Mortgages Ballymena
Mortgages Ballymena

Many people view their homes as a safe haven where they may develop as people and learn about themselves. Most individuals will own more than one home over their lifetime, and if the first one wasn’t what you had hoped it would be, there is always the chance to improve while building a new one. Mortgages are an important aspect of buying a home but there are many different types of complicated mortgages that put people off buying a new home altogether. Mortgage Options NI provides mortgages Ballymena and Antrim as well as expert advice giving you peace of mind when you want to move home.

Mortgages Ballymena with Mortgage Options NI

For more than 40 years, Mortgage Options NI has operated as an independent mortgage broker. We have been assisting residents in Ballymena, Antrim, Randalstown, and Ballyclare in locating the greatest mortgage offer out there, not just from one supplier. By offering legal counsel and arranging any necessary insurance, we reduce the stress associated with home purchases.

First Class Mortgage Advice in Ballymena

As mentioned above, it might be challenging to select the mortgage that best suits your needs and situation. There are numerous options available that all cater to the requirements of various borrowers in Ballymena. The good news is that we will be available to assist you and will be able to explain what is available, what the important characteristics are, and which sort of mortgage best suits your unique situation. We offer professional, unbiased advice and guidance while assisting you in finding the right mortgage for your needs, specific circumstances, and financial situation.

Expert Mortgage Solutions

It’s critical to speak with a mortgage professional at the beginning of the process whether you’re applying for your first mortgage or hoping to refinance. Long-term, it will save you a tonne of time and work. To find out what is available and to compare costs, it is a good idea to speak with several different companies. The two primary categories of mortgage advisor are:

A mortgage advisor will have direct connections to lenders and typically only endorse loans from that particular lender.

Mortgage brokers, sometimes known as financial advisors, are capable of examining a variety of mortgage options from several lenders. Some may even search the entire market, giving you access to a greater selection of goods which only makes the mortgage advice even more reliable.

Why Buy A Home Using Mortgage Advisors?

An independent mortgage advisor is well-versed in the mortgages offered by various lenders. They can conduct market research on your behalf and suggest the finest offer. It takes a lot of research and repeated conversations about your position with several lenders to find these deals on your own. Additionally, an adviser may be able to find a deal that you are unable to find on your own. Taking mortgage advice from an expert can also increase your chances of getting a mortgage because they will know which lenders are appropriate for your specific situation. 

If you seek regulated mortgage advice rather than completing your own research, your mortgage consultant will recommend an appropriate mortgage for your needs and circumstances. You must assume complete responsibility for your mortgage decision if you don’t seek help. If you don’t seek assistance, you can choose the incorrect mortgage for your needs, which would be a costly error over time.

Mortgage brokers interact often with many different lenders, some of whom you might not even be aware of. Additionally, they can warn you to stay clear from certain lenders who bury strange payment terms in their mortgage agreements.

A mortgage is frequently made available by lenders to consumers with subpar credit scores. However, the interest rates you’ll pay will be far higher than those given to borrowers with good credit, and a bigger down payment for the mortgage might be needed. It’s important to keep in mind that an independent mortgage broker has access to products that aren’t offered to the general public directly.

You could hasten the process of buying a home by working with a mortgage broker. The length of time needed to buy a new house depends on a number of factors, including:

– Are your most recent three bank statements available?

– Do you have your last 3 payslips?

– Are you on the voter’s role?

– Is the status of your credit history good?

Assuming everything is in order, the purchase will take around two to three weeks.

Why wait? Contact Mortgage Options NI today for free mortgage advice on mortgages in Ballymena.