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Choose the right Mortgage Advisor



A whole of market mortgage advisor is now fundamentally intrinsic, especially with the ever increasing complexities of the financial marketplace. With such a large number of products to become acquainted with it’s important for the right person to offer the correct help, guidance and support based upon individual and bespoke needs. You will find our team to be skilled professionals with the ability to give the best advice at any time.

Here at Good Mortgage Solutions our independent mortgage advisers specialise in locating the right financial solution, specifically to suit your requirements. Over our many years of industry experience we have learned to listen to our customers in order to find out exactly what they are looking for and this is how we have managed to build a solid reputation whilst building and maintaining relationships. From our conversations with you we are able to begin the search for the ideal mortgage whilst keeping you up to date with progress each and every step of the way.

We are here to help you find the right mortgage solution in Stockton, Middlesbrough, Darlington, Yarm and the surrounding areas and look forward to helping you whilst building a long lasting working relationship.

For a free no obligation appointment please either call us on 01642 671747 or email us at enquiries@goodmortgagesolutions.co.uk. Our experienced mortgage advisors are ready and waiting to guide you further.

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Case Study 1

Client wanted to buy a new property, money was tight as they only had a small deposit. They approached the selling agent for some mortgage advice. The estate agent then proceeded to find a mortgage with a valuation fee. When the surveyor completed the valuation he did not think this was worth the price agreed. As such the client lost the valuation money and the house..

When the clients found a new property, they approached us for some independent advice on what to do. We were able to find a new mortgage and after hearing the issues with the previous valuation we looked at mortgages with no valuation fees and no arrangement fees. This saved them money on the initial application and did not need to pay anything up front.

We also did our own research on the property they had found, guiding the clients on to what prices other house on the street had sold for. Meaning when the survey was done we already had a good idea of what the new survey would show. This saved the client money, and did not have to pay anything upfront.

‘Working with you for you’ we assess the options to find the right mortgage to suit your individual need and requirements.

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Case Study 2

Client wanted to buy a new property, money was tight as they only had a small deposit. They approached the selling agent for some mortgage advice. The estate agent then proceeded to find a mortgage with a valuation fee. When the surveyor completed the valuation he did not think this was worth the price agreed. As such the client lost the valuation money and the house..

When the clients found a new property, they approached us for some independent advice on what to do. We were able to find a new mortgage and after hearing the issues with the previous valuation we looked at mortgages with no valuation fees and no arrangement fees. This saved them money on the initial application and did not need to pay anything up front.

We also did our own research on the property they had found, guiding the clients on to what prices other house on the street had sold for. Meaning when the survey was done we already had a good idea of what the new survey would show. This saved the client money, and did not have to pay anything upfront.

‘Working with you for you’ we assess the options to find the right mortgage to suit your individual need and requirements.

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Case Study 3

Wanting to move home but cannot sell current property. In an ideal world they would wait to sell the current home before finding a new property but they found the house of the dreams. It was perfect for them. We looked at a bridging loan option which would have been fine if they sold the house quickly.

We also suggested looking at renting out the current home, they had equity in this and could look at a let to buy. We arranged a letting agent to give them details and potential rental income. The client liked the idea of still owning the property and letting agent could get them a tenant easily.

We remortgaged the current home on to a let to buy. Then completed a mortgage for the purchase. Using different lenders and keeping the costs to a minimum the client was in a position to buy the new house, and make money on the existing property.

We were able to do this as we could prove the rental income would be sufficient to cover the mortgage payment and not affect his affordability for a new property.

The affordability was fine with the new purchase as the rental income was classed as supplementary income. This means they had enough income to cover both mortgage and they could buy the dream home they wanted. This will not work for everyone but by taking the time to look at all the options we were able to find a solution that worked for the client and the lenders.

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Case Study 4

A new client came to us not really knowing what to do and how to buy a new property. They had listened to the friends and work colleagues, even been down to speak to an estate agent and a builder. But with all the information they received this was confusing and varied.

Buying a new home is often made complicated by people who do not know your individual situation. Mortgage lenders are constantly changing criteria, rates and costs. What was right a few years ago is not necessarily right or possible today. Rates available last week are out dated today.

We sat down with them and discussed all the options, processes and solutions.

Giving them up to date information, costs and advice on how much they needed as a deposit and to cover fees, such as solicitors, stamp duty, valuation and arrangement fees. Some we can add to the loan. The client felt a lot happier on leaving the office and came back to us 2 months later when they had found the right house.

Our meetings like this are free of charge, we spend time getting to know you, and you getting to know us and how we work. The initial meeting lasted an hour but we had numerous conversations and discussions after this, until they found the right house. We are always available to answer any questions you may have. We are all here to help you make and find the right house.

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Case Study 5

Buying at auction, with a 28 days exchange of contract. A client had everything arranged with her current bank. But after 2 weeks of back and forth, the bank declined the application. Costing the client the valuation money but more importantly wasted the 2 weeks. If the client did not exchange contracts within 28 days she would lose her deposit.

We received a call with the client in a panic as to what we can do. We discussed everything with her and why it had declined. We then approached another lender and were able to get the property revalued using the oriental banks valuation, meaning the client did not have to pay another valuation fee.

We had all the information to hand to give to the lender and we were able to get the mortgage offer out to the solicitor with a few days to spare.

Buying at auction can often be difficult and means a very fast turn around. We keep in touch with lenders and have a good handle on the time scale and information they will need to get everything turned around quickly. 28 days exchange is never ideal for mortgage lenders or solicitors but together we can find the right options to suit you and your requirements.

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