Expert Purchase Mortgage Advice & Deals For You
Let us put you in touch with a mortgage expert who who give you impartial advice and help you find suitable low % mortgage products for you.
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With access to thousands of mortgage products, you can be sure our experienced mortgage advisers will find the perfect deal for you.
Whether you’re looking for Mortgage Advice, Loan Advice or Insurance Advice or any other financial product or service, we can help you…
“Did a great job helping us with our mortgage. I would recommend!”
So ... how can we help?
Buying a financial product such as a mortgage can be the biggest decision made in our lives. It is for this reason that impartial advice is critical from qualified advisors.
What is a purchase mortgage?
A purchase mortgage, as its name suggests, is a mortgage used to buy a property. These are typically mortgages for first time buyers or for people looking to move home, but can also apply to people looking to bu y a second home or even purchase property from a local authority or housing association.
House buyers have traditionally gone to high street banks and building societies for mortgages to finance their purchases, but there are many other competitive specialist lenders who can help you with a mortgage, even if you have been refused elsewhere. Some lenders can tend to be overly cautious when it comes to lending to people who have a less than perfect credit history, and that can make it very difficult when you need a mortgage.
The type of mortgage you are offered will depend on your personal circumstances, and there are special schemes depending on whether you are a first time buyer or other type of buyer seeking a mortgage.
Why use us?
From the information you provide to us, our mortgage experts will search the market and find the most suitable commercial mortgage products for you. If you are happy with the mortgage on offer, we will handle all the necessary paperwork for you, including your mortgage application, to ensure that everything runs smoothly for you.
From just a few minutes completing some basic information, we will quickly search for suitable mortgage products for you..
We’ve helped thousands of customers secure mortgages so you know that you are in capable hands.
Reduced stress & time saving
Buying a property is time consuming and highly stressful, so remove much of this by putting in the hands of one of our mortgage experts.
Whatever type of mortgage you are looking for, our service is reliable and always matched to your own personal circumstances.
Our approach - and how we do it
We love speaking with our clients. Either give us a call or fill in one of our contact forms. Remember, we love a challenge!
One of our Advisors will then find out what you’re looking to do, discuss your options and answer any questions you may have.
Your Advisor will find the best option for you and help arrange things. You then sit back and relax while we do the rest.
What are my chances of getting a purchase mortgage?
Your ability to secure a mortgage will be dependant on many factors including your income, expenditure and any existing commitments, plus the amount of deposit you are able to put down. The amount of deposit in relation to the value of the property affects the loan to value (LTV) which will have a bearing on mortgage rates you can secure.
If you have a bad credit history, then you do not need to despair. There are reputable lenders out there who can assist those looking secure a mortgage, even though your credit rating is poor. Finding a decent mortgage deal is not impossible, but can depend on the severity of your credit problems, the length of time since your financial difficulties, and how affordable any mortgage offered to you would be.
Even if you have been refused a mortgage elsewhere, there are some specialist lenders who may still be able to provide you with a mortgage. We can search the market for you and find mortgage deals that you may be able to successfully apply for.
Purchase mortgage deals
We are able to match first time buyers, home movers, and even those looking to purchase a second property with mortgage products suitable for their needs. Even if you have an adverse credit history or a small deposit, we can search for suitable mortgage products for you.
If you are happy with the mortgage on offer, we can handle all the paperwork for you including the entire mortgage application
By speaking to one of our specialist mortgage experts, we can review your credit file and find the most suitable lender for you based on your requirements.
What exactly will you do for me as regards a mortgage?
When looking to purchase property, securing a mortgage isn’t always straightforward, but sometime you need the right mortgage and quickly! Our expert advisers can help you get the best deal that’s right for you and do it as speedily as possible. It is vitally important that you seek out this sort of impartial advice.
We will help you discover how much you could reasonable afford to borrow and the fees you will pay. We will source the best options from the market and let you know how much your monthly mortgage payments are likely to be. You may be tempted to go back to your existing lender however it is important to remember they will only be able to tell you about their mortgage products when there could be a better option for you with another lender which could save you money.
Ready to assist you.
Buying a property can be daunting and your choice of mortgage is a decision you need to get right. For this reason, it is vital that you get impartial advice from a competent and qualified advisers. Whether you are a first-time buyer, looking to remortgage, looking to purchase a second home, hoping to remortgage or even buy a property to let, this is where our advisers excel.
Be reassured that our style is to guarantee reliable mortgage advice appropriate to any individual that makes contact with us. Through our network of contacts, we have access to thousands of mortgage products, so we are confident that we’ll find one to suit you.
What sort of mortgage deal am I likely to get?
The type of mortgage you are offered will very much depend on your personal circumstances. The better your credit history, the affordability of the loan, and the greater the deposit you have, are all factors that will be taken into consideration by a lender.
If you have a poor credit history, then specialist lenders we can match you with, are usually more flexible compared to high street lenders, but they still want to ensure that the risk is not overly large. While the terms of any mortgage you are offered might be less favourable than a standard mortgage (for example, higher interest rates the higher the perceived risk), some lenders will include options such as interest rate cuts if borrowers have proven they can consistently meet the repayments.
See what our customers think ...
Notebook Money helped my partner and I with our mortgage after various lenders let us down due to suspending their 90% mortgages following the economical impacts of Covid-19. The staff are friendly, professional and helpful and made the entire process as idiot proof as possible for myself and my partner who are first time buyers. I would strongly recommend Notebook Money.
Dealt with Jamie at Notebook Money, he was really professional and friendly. Nothing was too much to ask! Would highly recommend!
Alysha Jane Parsons
Ian was fantastic. Nothing was too much trouble and was always available for us. Made the process very easy. Would highly recommend.
Ian has been brilliant all throughout. He was very professional and knowledgeable at the beginning when finding us the best product, which is now not being offered anymore so we are very thankful that he got it us in time. We have had the best service possible from Ian, with such a friendly and kind personality, very personable and definitely worth the money and more!!!
Thank you so much Ian, we both appreciate your support throughout. You have made our first time buyer experience very easy and enjoyable 🙂
Declan and April have been fantastic throughout the whole process, with Declan in particular going the extra mile for me on several occasions. Excellent customer service and quality of work, nothing was ever too much for them. Thank you so much!
Let us do the work of finding your mortgage
We’ll put you in touch with impartial advice from an expert mortgage advisor who will help secure you the best mortgage deals available.