When it comes to buying a home or refinancing your mortgage in Chelmsford, the process can often feel overwhelming. The good news is that a local mortgage broker can make all the difference. With their expert knowledge of the Chelmsford property market and access to a wide range of mortgage products, a mortgage broker can help you navigate the complex world of home loans, ensuring you get the best deal for your needs.
Preparing for a mortgage in Chelmsford involves several key steps to ensure you’re in the best possible position to secure a favourable deal. Whether you’re a first-time buyer, looking to remortgage, or considering a buy-to-let investment, here’s how to get ready:
Review your credit score: Your credit score plays a crucial role in determining the mortgage deals available to you. Obtain a copy of your credit report and check for any errors or issues that could negatively impact your score. Aim to pay off any outstanding debts and avoid taking out new credit before applying for a mortgage.
Calculate your budget: Understand how much you can realistically afford. Consider your income, outgoings, and how much you need for a deposit. A good rule of thumb is to ensure your monthly mortgage payments don’t exceed 30-35% of your net monthly income.
Determine the deposit amount: Most lenders require at least a 5-10% deposit of the property’s value, but having a larger deposit (15-25%) can give you access to better interest rates.
Plan for additional costs: Besides the deposit, you’ll need funds for stamp duty, legal fees, survey costs, and possibly mortgage broker fees. It’s wise to save an extra 5-10% of the property price to cover these expenses.
Ensure you have all the necessary paperwork ready, such as proof of identity, proof of address, payslips, bank statements, and any relevant tax documents. Having these documents organised will speed up the mortgage application process.
Reduce Debt: Lenders prefer applicants with lower levels of existing debt. Pay off as much as possible, particularly high-interest debts like credit cards and personal loans.
Stabilise Your Income: Lenders look for stable income, so avoid changing jobs right before applying for a mortgage unless it’s a clear step up. If you’re self-employed, ensure your accounts and tax returns are up-to-date.
Seek professional advice: A local mortgage broker can offer valuable insights into the Chelmsford property market and help you find the most suitable mortgage products. They’ll compare deals across multiple lenders and guide you through the entire process, saving you time and money.
An Agreement in Principle (also known as a Decision in Principle) is a statement from a lender indicating how much they might be willing to lend you based on an initial assessment. Having an AIP in place shows sellers and estate agents that you’re a serious buyer, which can be crucial in a competitive market like Chelmsford.
Understand local prices: Chelmsford is a popular location with a range of properties, from city-centre apartments to suburban family homes. Research property prices in different areas of Chelmsford to get a clear idea of what you can afford and where.
Consider future developments: Look into any planned developments or infrastructure projects in Chelmsford that might affect property prices or your lifestyle in the long term.
Choose the right mortgage type: Consider whether a fixed-rate, tracker, or variable-rate mortgage best suits your financial situation and future plans. Think about how long you plan to stay in the property and whether you might need flexibility in your mortgage terms.
Factor in potential rate increases: While interest rates are currently low, they could rise in the future. Ensure you can afford your mortgage payments even if rates increase.
9. Stay organised and proactive
Keep communication open: Stay in regular contact with your mortgage broker, estate agent, and solicitor to keep the process moving smoothly.
Be ready to act quickly: The Chelmsford property market can be competitive. Once you find the right property, having your finances and documentation in order will allow you to move quickly.
By following these steps, you’ll be well-prepared to secure a mortgage in Chelmsford and make your home-buying journey as smooth as possible.
A mortgage broker acts as an intermediary between you and potential lenders. Their job is to understand your financial situation and goals and then find a mortgage that best suits your needs. Unlike banks or direct lenders, who only offer their own products, mortgage brokers have access to a broader range of mortgage products across different lenders. This can result in better deals and more tailored mortgage solutions.
In Chelmsford, as in the rest of the UK, there are different types of mortgage brokers and advisers, each with varying levels of access to mortgage products and different affiliations with lenders. Understanding the distinctions between them can help you choose the right one for your needs. Here’s a breakdown of the main types of mortgage brokers and advisers you might encounter:
What they do: Independent mortgage brokers, also known as whole-of-market brokers, have access to a wide range of mortgage products from a variety of lenders across the market. This includes high street banks, building societies, specialist lenders, and sometimes even exclusive deals that aren’t available directly to the public.
Benefits: They offer unbiased advice and can compare a vast array of options to find the best deal for your specific circumstances. Because they’re not tied to any one lender, they’re more likely to find a mortgage that suits your needs.
Ideal for: Those who want the broadest range of options and a tailored solution.
What they do: Tied mortgage brokers are linked to a single lender or a small panel of lenders. They can only offer mortgage products from these specific lenders, which limits the range of options available to you.
Benefits: These brokers may have deep knowledge of the products from their specific lenders and might be able to offer competitive deals within that limited range.
Ideal for: Those who are comfortable with a limited choice or already have a preferred lender in mind.
What they do: Multi-tied brokers are similar to tied brokers, but instead of being linked to just one lender, they work with a small group of lenders. They offer a wider selection than tied brokers but still don’t cover the whole market.
Benefits: You’ll have access to more options than with a single lender but with potentially more specialised knowledge than a whole-of-market broker.
Ideal for: Those who prefer a compromise between specialist advice and choice.
What they do: Directly authorised mortgage advisers work independently but are licensed directly by the Financial Conduct Authority (FCA). They can offer products from a wide range of lenders, though they may not cover the entire market.
Benefits: You get independent advice with potentially more direct oversight from the FCA, which could mean higher standards of service.
Ideal for: Clients who value a balance between independence and regulatory backing.
What they do: Advisers working for banks or building societies can only offer mortgage products from their own institutions. They’re not allowed to compare products from other lenders.
Benefits: These advisers might have access to exclusive deals or incentives for existing customers, such as discounted rates or lower fees.
Ideal for: Existing customers of a specific bank or building society who are happy with the limited product range.
What they do: Online mortgage brokers use digital platforms to provide mortgage advice and product comparisons. Some offer whole-of-market services, while others might be tied or multi-tied brokers.
Benefits: They offer convenience, often with a streamlined and quick application process. Some online brokers also use algorithms to match you with suitable products.
Ideal for: Tech-savvy individuals who prefer managing their mortgage application online and want a quick, hassle-free experience.
What they do: Fee-free mortgage brokers do not charge clients for their services; instead, they receive a commission from the lender when a mortgage is arranged. Some may still offer whole-of-market services, while others might be tied or multi-tied.
Benefits: You avoid upfront costs, which can be appealing if you’re trying to minimise expenses during the home-buying process.
Ideal for: Clients who want to avoid paying fees but still seek professional advice.
Chelmsford is a vibrant and growing city with a wide variety of properties ranging from modern apartments to charming period homes. Whether you’re a first-time buyer, remortgaging, or looking to expand your property portfolio, a mortgage broker in Chelmsford can offer invaluable assistance.
Here are a few reasons why working with a local mortgage broker is a smart choice:
1. Local market knowledge: Chelmsford is a unique market with its own trends and opportunities. A local mortgage broker understands these dynamics and can advise you on the best times to buy or refinance, as well as help you find the right lender for your situation.
2. Access to exclusive deals: Many mortgage brokers have access to deals that aren’t available to the general public. These can include lower interest rates, better terms, and even exclusive products from lenders who work only through brokers.
3. Personalised advice: Unlike banks, which may offer only their own products, mortgage brokers in Chelmsford can provide advice on a wide range of mortgage options from various lenders. This allows them to tailor their recommendations to your specific financial situation and home-buying goals.
4. Time-saving: The mortgage application process can be time-consuming and complicated. A mortgage broker handles much of the paperwork and liaises directly with lenders on your behalf, freeing up your time and reducing the stress involved.
Finding the right mortgage broker near you in Chelmsford can make a significant difference in the success of your mortgage application. Here are some tips to help you choose the best broker for your needs:
1. Check their qualifications: Ensure that the broker is fully qualified and registered with the Financial Conduct Authority (FCA). This guarantees they meet the required standards and are legally authorised to provide mortgage advice.
2. Ask about their experience: Experience matters, especially in a dynamic market like Chelmsford. Ask the broker about their experience working in the local area and whether they have a track record of helping clients with situations similar to yours.
3. Understand their fee structure: Mortgage brokers may charge a fee for their services, or they may receive a commission from the lender. Make sure you understand how your broker is compensated and whether there are any upfront costs involved.
4. Read reviews and testimonials: Reviews from previous clients can give you valuable insight into the broker’s reliability, professionalism, and success rate. Look for a broker with positive feedback and a reputation for delivering excellent customer service.
5. Ask for recommendations: If you know friends, family members, or colleagues who have recently bought property in Chelmsford, ask them for recommendations. Personal referrals can be a great way to find a trusted and reliable mortgage broker.
Buying your first home is exciting, but it can also be overwhelming. We simplify the process by helping you understand your options and find a mortgage that’s both affordable and flexible.
If your current mortgage deal is coming to an end, or you’re looking to save money on your repayments, our Chelmsford mortgage brokers can help you find a better rate. We’ll do the legwork, so you can sit back and relax.
Investing in property can be a great way to build wealth, but getting the right mortgage is key. We’ll help you navigate the complexities of buy-to-let mortgages, ensuring you get the best deal for your investment property in Chelmsford.
Chelmsford is a thriving city, and getting on the property ladder can be tough. We’re here to help you explore government schemes like Help to Buy and Shared Ownership, which can make buying your dream home more affordable.
When working with a mortgage broker in Chelmsford, you’ll need to provide a variety of documents to help them assess your financial situation and secure the best mortgage deal for you. Here’s a list of the key documentation you’ll typically need to provide:
Passport or Driving Licence: A valid passport or UK driving licence is required to verify your identity.
Utility Bills: Recent utility bills (within the last 3 months) such as electricity, gas, water, or council tax bills.
Bank Statements: Recent bank or credit card statements showing your current address.
Payslips: Your last three to six months’ payslips if you’re employed.
P60: The latest P60 form, which summarises your income and tax for the previous year.
Bank Statements: Three to six months of bank statements showing your salary being credited.
SA302 tax calculations: SA302 forms from HMRC or your accountant for the last two to three years.
Tax year overviews: Corresponding tax year overviews for the same period.
Business Accounts: Full accounts for the last two or three years prepared by a qualified accountant.
Savings Account Statements: Statements showing your savings over time.
Gifted deposit letter: If part of your deposit is gifted, a letter from the donor confirming it’s a gift and not a loan.
6. Credit commitments
Loan statements: Details of any outstanding loans, including car finance or personal loans.
Credit card statements: Recent statements for all credit cards you hold.
Other financial commitments: Details of any other financial obligations, such as student loans or child maintenance.
Current mortgage statement: A recent statement if you already have a mortgage.
Redemption statement: If you’re remortgaging, you may need a redemption statement from your current lender.
Property information: Details of the property you intend to buy, including the purchase price and any offers made.
Estate agent’s details: Contact information for the estate agent handling the property.
9. Identification of financial dependents
Details of dependents: Information about any dependents who rely on your income, such as children or elderly relatives.
Proof of Residency (if non-UK national): Visa or residency permit, if you’re not a UK citizen.
Providing these documents promptly will help your mortgage broker in Chelmsford assess your situation quickly and efficiently, ensuring you get the best possible mortgage offer. If you’re unsure about any specific requirements, your broker can provide guidance tailored to your personal circumstances.
Once you’ve chosen your mortgage broker, the process of securing a mortgage in Chelmsford typically involves the following steps:
1. Initial consultation: Your broker will assess your financial situation, discuss your home-buying goals, and explain the mortgage options available to you.
2. Mortgage application: After selecting a suitable mortgage product, your broker will help you complete the application and submit it to the lender.
3. Mortgage offer: If the application is successful, the lender will issue a mortgage offer. Your broker will review the offer with you to ensure you understand the terms and conditions.
4. Completion: After the legal work is completed, the mortgage funds are released, and you can finalise the purchase of your property.
Chelmsford is an excellent place to live, combining the charm of a historic city with the conveniences of modern living. With its strong schools, green spaces, and direct train links to London, it’s no wonder so many people are looking to buy property here.
Whether you’re buying a home in the bustling city centre or in one of the charming surrounding villages, a mortgage broker in Chelmsford can help make your dream a reality.
Choosing the right mortgage broker in Chelmsford is a crucial step in your home-buying journey. By working with a knowledgeable, experienced, and well-connected broker, you can secure a mortgage that fits your needs and budget, while also benefiting from expert advice and support throughout the process.
If you’re looking for the best mortgage brokers in Chelmsford, start by researching local options, checking reviews, and scheduling consultations. With the right broker by your side, you’ll be well on your way to owning your dream home in this thriving city.
When meeting with a potential mortgage advisor in Chelmsford for the first time, it’s important to ask the right questions to ensure you’re getting the best advice and service. Here are some key questions to ask during the initial consultation:
Ask the advisor about their experience with different types of mortgages, such as first-time buyer mortgages, buy-to-let, remortgages, or Help to Buy. This helps you gauge whether they have expertise relevant to your specific needs.
Independent advisors can access products from a wide range of lenders, giving you more options. Advisors tied to specific lenders can only offer products from those lenders, which may limit your choices.
Clarify any fees upfront, including whether they charge a flat fee, a commission from the lender, or a combination of both. Understanding their fee structure will help you avoid surprises later on.
The more lenders an advisor works with, the greater the variety of mortgage deals you’ll have access to. Ask for details on how many and which lenders they typically work with.
If you’re interested in government-backed schemes, ask if the advisor has experience with these options and whether they can guide you through the process.
Understand the step-by-step process, from initial consultation to mortgage approval and beyond. Ask about typical timelines and what you can expect at each stage.
Knowing what documents you’ll need to provide upfront will help you prepare and speed up the application process.
Inquire about their criteria for selecting mortgage products. Do they consider just the interest rate, or do they also take into account fees, flexibility, and your long-term financial goals?
A good mortgage advisor will not only highlight the benefits but also any potential risks or challenges with different mortgage options, ensuring you make an informed decision.
Ask how often you’ll receive updates and through what channels (phone, email, in-person meetings). Clear communication is essential for a smooth mortgage process.
Request references or testimonials from previous clients in Chelmsford or similar areas. Positive feedback from others can give you confidence in their services.
Life changes such as a new job, family expansion, or unexpected financial challenges could impact your ability to pay your mortgage. Ask how they can assist if your circumstances change.
Local knowledge can be invaluable. Ask about their experience in the Chelmsford market, any trends they’re seeing, and how they factor this into their advice.
Some mortgage advisors offer additional services such as insurance advice (life, income protection, etc.), estate planning, or financial advice. Ask if these are available and how they might benefit you.
Understand their availability, especially if you have a tight timeline for securing a mortgage. Ensure they can meet your needs in terms of responsiveness and flexibility.
First-time buyers are often unsure about what they should do when it comes to the mortgage process. The mortgage brokers in Chelmsford provide them with the necessary information that they need to make an informed decision. So, if you are a first-time buyer, contact Count Ready now. The team is here whether you are looking for a competitive loan with fixed or variable rates, or want to learn more about making a down payment on your home.
With the ever-increasing number of self-employed people, mortgage brokers have become an important source of loans. Mortgage brokers at Count Ready in Chelmsford offer mortgages for self-employed people and can make sure that they are not wasting time on skill sets that they don't have and instead focus on what they are best at - creativity and emotions. Contact Count Ready now.
Mortgage brokers at Count Ready in Chelmsford are the best option for company directors who need to buy a new home. Most importantly, mortgage brokers offer a range of mortgage options, including fixed rate mortgages and variable rate mortgages, as well as those that are interest-only or with low deposits. Contact us now for more information on the mortgage broker services available in Chelmsford. Mortgage brokers are the middlemen in this process. They can help borrowers find lenders and make sure that they have a loan before they sign anything with them.
Mortgage brokers at Count Ready are the middlemen in the bridging finance process. They can help borrowers find lenders and make sure that they have a loan before they sign anything with them. In fact, Count Ready’s brokers in Chelmsford are highly qualified individuals with experience in this field. They offer a personal service to ensure that everything goes smoothly and you get the best deal possible.
Remortgage brokers in Chelmsford can help you with all the paperwork and guide you through the process of remortgaging your home. They can also provide advice on your best options for remortgaging, what mortgage rates are available, and what is the best type of mortgage for you.
Buy-to-let mortgages are a popular option for people who want to put their money into property. They can provide a steady income and offer tax relief, but they also come with some risks. For those who are interested in buying a buy-to-let mortgage, contacting a mortgage broker is the best way to find the best deal. Mortgage brokers have access to many lenders and can help you find the best deal for your budget. The mortgage brokers in Chelmsford are experienced professionals, so they will be able to help you get the most out of your purchase and make sure that everything goes smoothly.
Mortgages with poor credit are one of the most common problems that people face. It’s not easy to get a loan, and the rates are quite high. However, there is an alternative. You can get a mortgage broker in Chelmsford who can help you find the best deal for your mortgage and save you money in the process. Contact us now for more information.
Mortgage brokers for a mortgage after IVA in Chelmsford are here to help those who have been struggling with debt and need advice on how they can repay their debts without having to pay back all the money owed.
When it comes to getting a mortgage after a debt management plan, there are many things that need to be considered. This includes the type of mortgage, the lender and the terms. Contact us now for more information on how our team of experts can help you find the best mortgage for your needs.
Mortgage brokers for sole traders can be an excellent way of getting a mortgage that is affordable and accessible. Sole traders are often not able to get mortgages from traditional banks because they do not have any collateral to offer in exchange for the loan. Mortgage brokers for sole traders can help them get a mortgage by providing them with a loan against their business assets.
The mortgage after CCJ is a difficult situation for many people. It is not easy to get back on track financially. A mortgage after CCJ will usually have higher interest rates than regular mortgages. Although it may seem like a good idea at first, it could end up costing you more in the long run. Contact now for the best mortgage brokers in Chelmsford who can help you find the right mortgage for your situation.
Many people find it hard to get a mortgage loan now because of the current economic climate. If you have been turned down for a mortgage loan, contact your local mortgage broker today to see if they can help you find the best solution for you. Contact us now. With the help of a mortgage broker for a mortgage with defaults, you can get the best deals and the best interest rates.
We are one of Chelmsford’s mortgage brokers, and we want to assist you in making the best decision possible.
The costs of hiring a mortgage broker near you in Chelmsford can vary depending on the broker’s fee structure. Common fee arrangements include:
Fixed fees: Some brokers charge a flat fee ranging from £300 to £1,000, depending on the complexity of your mortgage needs.
Commission-based: Many brokers are paid a commission by the lender, typically around 0.35% to 0.5% of the mortgage amount. This may be the only charge, or it could be in addition to a smaller upfront fee.
Combination fees: Some brokers charge a lower fixed fee and also earn a commission from the lender.
No fee (Fee-free brokers): Some brokers do not charge clients directly and instead rely solely on commissions from lenders. However, these brokers may be limited to offering products from certain lenders.
Yes, there are free mortgage advisers near you. These advisers typically do not charge clients a fee but instead receive a commission from the lender when a mortgage is arranged. However, it’s important to understand that:
Limited options: Some free advisers may be tied to specific lenders, meaning they can only offer a limited selection of mortgage products.
Whole-of-market free brokers: Some brokers offer a fee-free service while still providing access to a broad range of lenders and products across the market. Always confirm whether the adviser is independent or tied to specific lenders.
Yes, mortgage advisers in Chelmsford can assist with bad credit mortgages. These advisers specialise in working with clients who have adverse credit histories, such as CCJs, defaults, missed payments, or bankruptcies. They can help by:
Identifying lenders: Advisers can connect you with lenders who are more likely to consider applications from individuals with bad credit.
Improving your application: They can offer advice on steps to improve your creditworthiness and increase your chances of securing a mortgage.
Understanding costs: Bad credit mortgages often come with higher interest rates and fees. A specialist adviser can help you find the most affordable option available based on your circumstances.
The mortgage application process with a broker in Chelmsford typically takes 4 to 8 weeks from initial consultation to receiving a mortgage offer. The timeline can vary depending on factors such as the complexity of your financial situation, the speed of documentation submission, the lender’s processing times, and the need for additional checks like property surveys or valuations. Your broker will guide you through the process and keep you informed of any delays.
Self-employed individuals have several mortgage options available, though the application process can be more challenging. Lenders typically require 2 to 3 years of certified accounts, SA302 forms, and tax year overviews to assess your income.
Some lenders offer mortgages specifically designed for the self-employed, which may allow for greater flexibility in assessing income, such as considering retained profits or dividends. Working with a broker experienced in self-employed mortgages can help you find lenders who are more likely to approve your application.
To secure a bridging loan quickly in Chelmsford, it’s essential to have your finances and documentation in order before approaching a lender. A mortgage broker experienced in bridging loans can expedite the process by connecting you with lenders who specialise in fast approvals.
Key steps include providing a clear exit strategy (how you plan to repay the loan), having a strong security property, and being prepared with all necessary financial documents. Typically, bridging loans can be arranged within 1 to 3 weeks, depending on the complexity of the deal.
The best mortgage brokers in Chelmsford for first-time buyers are those who offer personalised advice, access to a wide range of mortgage products, and support throughout the buying process. Look for brokers who specialise in helping first-time buyers, understand government schemes like Help to Buy, and have a track record of securing favourable deals for clients in your position.
Recommendations from friends, online reviews, and consultations with multiple brokers can help you find a broker who is trustworthy, knowledgeable, and supportive of your needs as a first-time buyer.
Homeowners in Chelmsford should consider a remortgage when their current mortgage deal is about to expire, particularly if they are on a fixed-rate or discounted rate that will revert to the lender’s standard variable rate (SVR). Remortgaging can also be beneficial if interest rates have dropped since you took out your mortgage, or if your home’s value has increased, allowing you to access better rates or release equity. Additionally, if your financial situation has improved or you wish to consolidate debt, a remortgage could provide more favourable terms. Consulting with a mortgage adviser can help you determine the best timing based on your specific circumstances.
Yes, a mortgage adviser in Chelmsford can assist with buy-to-let mortgages. They can guide you through the specific requirements for buy-to-let properties, such as larger deposit requirements (typically 20-40%) and the importance of rental income in the lender’s affordability calculations. A good adviser will help you find lenders offering competitive rates for buy-to-let mortgages, navigate the tax implications, and ensure you choose the right mortgage structure, whether you’re buying as an individual or through a limited company. Their expertise can be invaluable in helping you build a successful property portfolio.
Finding a competitive commercial mortgage involves thorough research and understanding of the local property market. Working with a mortgage broker who specialises in commercial mortgages is often the most effective approach, as they have access to a wide range of lenders and can negotiate better terms on your behalf. Key factors to consider include the interest rate, loan-to-value (LTV) ratio, and any additional fees or terms that may impact the overall cost. A broker will also help you prepare a strong application by ensuring you have a solid business plan and financial documentation to present to lenders.
Mortgage brokers near you find the best rates for their clients by leveraging their access to a wide range of lenders, including high-street banks, building societies, and specialist lenders. They use their industry knowledge and relationships with lenders to compare products across the market, taking into account interest rates, fees, and the overall cost of the mortgage. Brokers also assess your specific circumstances, such as credit history, income, and property value, to match you with lenders most likely to offer favourable terms. Their expertise in navigating the mortgage landscape allows them to identify the most competitive deals that align with your financial goals.
The typical turnaround time for a mortgage application in Chelmsford is between 4 to 8 weeks. This timeframe can vary depending on several factors, including the complexity of your financial situation, the speed at which you provide required documentation, the lender’s processing times, and any additional checks like property valuations or surveys. Working with an experienced mortgage broker can help streamline the process by ensuring your application is complete and by liaising with the lender on your behalf to avoid unnecessary delays.
If your mortgage application is declined by a lender through a broker near you, the broker will typically help you understand the reasons for the decline and suggest the next steps. This may include addressing issues like credit score problems, insufficient income, or incorrect documentation. The broker can then explore alternative lenders who may have different criteria or offer products that are more suitable for your situation. They may also provide advice on how to improve your application, such as by increasing your deposit, reducing debt, or improving your credit score, before reapplying.
We are a hybrid mortgage broker and protection adviser. However, we want to make it clear that we do not have physical branch offices everywhere in the UK. You can get our services over the phone, online, and face-to-face in some circumstances.
Please keep in mind that while we may not be local to you, we may still assist you. Imagine if you had a long-term health issue that needed to be addressed. Would you rather have the person who is closest to you or the person who is the best? Now is the moment to put that critical thinking to work in your search.
Legal
Count Ready Limited is registered in England and Wales, No: 10283205. Registered Address: Unit 10, Robjohns House, Navigation Road, Chelmsford, England, CM2 6ND.
Count Ready Limited is an Appointed Representative of Connect IFA Limited 441505 which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference: 976111.
The FCA do not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.
The information contained within this website is subject on the UK regulatory regime and is therefore targeted at consumers based in the UK.
We usually charge fees of £595 on offer, but we will agree to our fees with you before we undertake any chargeable work. We will also be paid by commission from the lender.
Commission disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.
Disclaimer: All content on the Count Ready website can only ever provide general information and does not constitute financial advice. For this reason, we always recommend that you speak to authorised advisers for your needs. (Please be aware that by clicking onto any outbound links you are leaving the www.countready.co.uk. Please note that neither Count Ready or Connect IFA are responsible for the accuracy of the information contained within the linked site(s) accessible from this website.)
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