How specialist mortgage brokers can help you

When getting started with a property project, it’s important to ensure you have the proper funding and the right backing. If you’re moving forward with your project and funding it via a mortgage, your best bet is to employ the services of a specialist mortgage lender to ensure you get the best possible deal.

Companies like ABC+ Warranty and Architects Certificate offer a comprehensive and supportive service that streamlines all processes, saves valuable time and reduces unnecessary paperwork.

What is a specialist mortgage broker?

A specialist mortgage lender or broker isn’t as well-known as the big banks. They’re useful for ensuring a mortgage application is successful for people who would otherwise struggle.

This can include people with less-than-spotless credit reports and even self-employed individuals. For self-employed people, their income can be classed as unstable so a mortgage application is immediately rejected.

However, with a specialist mortgage lender or broker, a deal can be found another way thanks to their bespoke services. Specialist brokers and lenders use human underwriters who assess each application on a case-by-case basis.

This human element allows for context to be used in an application, which is useful for self-employed people, for example. While a big bank will see their income as unstable because of its variety, a human underwriter can see they have more than enough steady income to afford their mortgage.

A human underwriter looks at the story behind the numbers.

Benefits of using a specialist mortgage broker

There are plenty of benefits to using a specialist mortgage lender or broker, including:

• Time-saving
• Saves money
• Receive expert financial support
• You don’t have to handle the paperwork
• No obligation to proceed

Time-saving

Using a specialist mortgage broker or lender saves you a lot of time. They know the market and can do all of the hard yards so you don’t have to.

If you’re busy with other projects, leaving all of the background work for your new project to a specialist broker can save you time and energy.

Saves money

Not only are you getting the expert help of a professional by using a specialist mortgage broker, but they’ll be able to find you the best deal possible, helping you save money. They will assess your situation and finances accurately, using a human touch and context, and find the right deal.

Specialist brokers will also look beyond the rate and research any additional fees you can save on, too.

Receive expert financial support

As well as saving you time and finding the best deal possible for your situation, a specialist mortgage broker offers you expert support and guidance. If you’re a new developer and require a little extra support with understanding the finances of a project, the experienced broker will be able to help you.

You don’t have to handle the paperwork

Because a broker does everything in the background for you, they’ll take on most of the paperwork responsibility, relieving you of any stress. You’ll still be required to look over any important documentation and sign, but a specialist broker can do all of the hard yards for you.

No obligation to proceed

Finally, when working with a specialist mortgage broker or lender, you have no obligation to continue with a specialist mortgage if it doesn’t align with your specific needs at the time of applying.

Specialist lending experts

Whether you’re searching for a commercial mortgage specialist or a home loan specialist who can combine a suitable warranty with property finance, you can get expert service from a specialist lender at a company like Architects Certificate.

Consider a specialist broker if you’re struggling to get a mortgage approved elsewhere. It could be the key to unlocking your dream project.