We will review the mortgages available to you based on your personal financial situation and apply for one on your behalf. This can save you time by telling you which lenders are likely to accept you and how to improve your application. We can speed up the process by dealing with some of the paperwork.
Using SC Mortgage Consultants can save you a lot of time and stress, as we will handle everything from searching for a deal to applying and communicating with the lender on your behalf. We have expert knowledge of the mortgage market and will be able to recommend deals that suit your personal situation.
We will know which lenders are most likely to accept you and help you steer clear of applying for deals you’re unlikely to get. We can also help borrowers with bad credit to get back on track. If you have been declined a mortgage or cannot re-mortgage due to bad credit – then don’t despair.
As a whole-of-market broker we will be able to access every available product and are not restricted to one or two lenders. Our advisors will provide a first class service to help you get the most suitable mortgage and protection for your needs. We can recommend the very cheapest or most suitable deal for you. This could potentially save you a lot of money over the course of your mortgage, loan or insurance policy.
First Time Buyers
We’re here to support first-time buyers every step of the way; from working out how much you can borrow to helping you understand the application process until you have the keys to your home.
Remortgages can be used for various reasons. Most people simply switch mortgages because it will work out cheaper for them.
Moving home can seem like a daunting and expensive process, but at SC Mortgage Consultants our service is designed to save you time and money as well as finding you the right mortgage.
Buy To Let
It’s really important that landlords who are looking to purchase or re-mortgage buy to let properties seek advice from a qualified Mortgage & Protection Adviser.
Bad Credit Mortgage
Our expert Mortgage Consultants work with every lender across the mortgage market.
Whether you’re a Limited Company, Self Employed/Sole Trader, Contractor we have the knowledge, experience and relationship to ensure we get the right mortgage for you.
Calculate the costs of your mortgage payments.
Equity release can help many people reaching retirement age or over.
Second Charge Mortgage
A second charge mortgage works just like a normal mortgage. It’s secured against your property and you will make monthly repayments until the full loan and interest is paid back.
Our fee structure is based mainly on three decisions; the loan amount, the complexity of your borrowing needs and whether we are arranging the mortgage for you or providing an advice-only service. We may charge a fee for our service up to 1%. Our typical fee is £250 payable on application, subject to status.
In all cases, we will provide you with a free initial consultation which will include a Key Facts Illustration (KFI) or quotation that clearly breaks down any fees that we may charge. You can speak to your dedicated Mortgage and Protection Consultants for help understanding any fees charged by SC Mortgage Consultant or a lender/ provider.