What extra benefits could I get with my Mortgage?
Bad Credit Specialist
We’ve got over 20 years of specialist experience in helping customers with poor credit history or a low credit score
Self-Employed Mortgages
Our carefully selected panel of TOP mortgage lenders is specifically chosen to be able to access great deals for self-employed
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Buy to Let Mortgages
You will get expert advice from one of our team of fully qualified buy to let and investment property mortgage specialists
How to get my mortgage?
We have helped thousands of customers to get the mortgage and protection that they need for their homes or families. Getting the right advice can make a huge difference to how much you pay each month and how long your application takes.
Speak to a fully qualified mortgage expert
Our team of fully qualified mortgage experts has over 20 years experience and expertise in helping customers to get the best deals.
Call us FREE on 0800 009 6559
Our office opening hours:
- Monday to Thursday 8am to 7pm
- Friday 8:30am to 5:30pm
Get your mortgage sorted with iam|MORTGAGES
New Mortgages
Getting a mortgage to buy your new family home can be one of the most exciting times of your life. This can also be confusing as most people don’t know which mortgages are best or how to get the right deal.
Remortgages
Once your mortgage deal comes to an end then you should be reviewing your mortgage to get the best deals. Every mortgage lender offers special rates such as fixed or discount rate deals which can save you thousands of £s.
Buy to Let Mortgages
Property investors have been a major part of the UK housing market for decades and the need for competitive Buy to Let mortgage deals is growing. Making the most of your property portfolio is an extremely important part of investment.
Expert Mortgage Advice
“Getting the right mortgage advice can make a huge difference to you and your family when buying a home or remortgaging. It can be a difficult and confusing time for many, so getting the right advice from someone you can trust is important. There are literally thousands of different deals and options to finding the best mortgage can seem like finding a needle in a haystack. Our experts will help you to find the best deal and save you the hassle of searching through endless options.”
– Daniel Sharpe-Szunko CeMAP, Mortgage guru
Mortgage options and deals
Finding the right mortgage can be extremely confusing and sometimes frustrating, especially with so many options to choose from.
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Annual Percentage Rate (APR)
There is a simple way to compare the cost of all mortgage deals to each other which is the Annual Percentage Rate (APR). This is a universal figure that is used to compare all types of credit by factoring in all costs, fees, and charges.
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Mortgage Costs
Most mortgage deals have other costs and charges that you will need to factor in when you are comparing one to another. Some of the most common and biggest charges are Early Repayment Charges (ERCs) and Mortgage Fees.
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Credit Score
Every person in the UK will be registered with a credit reference agency such as Experian or Equifax. This service will provide a ‘Credit Score’ which will show how creditworthy you are based on your credit and repayment history.
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Affordability
Your affordability will be a calculation based on your income and your expenditure every month. Every lender has their own affordability criteria which means that some lenders may offer a bigger mortgage than others.
