We are a mortgage broker based in Enfield that specialises in providing professional, impartial and independent advice from the whole marketplace of products. We have enormous resources behind us, as members of the largest independent financial adviser network in the UK (Sesame Limited) and this allows us to offer our clients exclusive products not available from high street banks & building societies, coupled with the highest quality level of advice.
The current constantly changing marketplace has now made it increasingly difficult to obtain competitive mortgages for every type of borrower. Lenders are withdrawing rates with little or no notice and this often results in losing a property or a great rate, as well as valuable money, time and effort. At First Choice Mortgages, we go to every effort to ensure that you have the best opportunity to secure the mortgage deal you want, as early as possible
At First Choice Mortgages we have over 16 years of experience in the mortgage market and have invested in technology and research, which means we are perfectly placed to help you obtain the mortgage that you need for your dream purchase or re-mortgage.
As part of our advice process we will:
- HAVE A FREE INITAL CONSULTATION- At this initial meeting which can be face to face or by phone, we will discuss your current situation, requirements and future plans. We will also clarify exactly what you want from your mortgage. At this meeting we would also review any existing polices to confirm their continuing suitability.
- ANALYSIS & RESEARCH - After identifying your requirements, we research the whole marketplace to find you the right mortgage deal. We source the whole marketplace for products based on your credit status, budget, how much you can borrow and how quickly you need to move.
- ADVICE & RECOMMENDATION - It's not just a low headline rate that counts, we will analyse the rate as well as the lender's fees, survey fees and arrangement fees for a true reflection of the overall cost. We also make recommendations for all the appropriate mortgage protection insurances, including life cover, critical illness and income protection. We also arrange buildings / contents insurance to ensure your home, your family and your lifestyle are protected in any unforeseen circumstances, providing you with total peace of mind. (At this stage, we will also confirm all lender fees and our fees which would be payable should you decide to go ahead with a mortgage application.)
- APPLICATION & REPORT - When you decide to proceed, we complete all the necessary paperwork for you and we will liaise with agents, solicitors and other third parties where necessary. We also keep you regularly updated of the progress of your application via email and by phone. We will also confirm our recommendation in writing so you are clear why any products taken were recommended.
- REVIEWS - Once your mortgage completes, we stay in touch and contact you well before when your current mortgage deal ends. Alternatively, if your circumstances change, please contact us so we can help guide you through the various options available.
We are completely independent, which means no more trudging up and down the high street during your lunch breaks and at weekends, or spending hours in the evening on the internet looking at out of date information and filling out online forms, only to be called by pushy sales people. Our advice is simple, professional, impartial and unbiased.
Independent advice is not just for the wealthy or the financially astute, we believe everyone should be able to benefit from professional and independent mortgage advice, no matter what your circumstances are.
Your home may be repossessed if you do not keep up repayments on your mortgage.
For details of our mortgage charges, please click here
We usually offer Buildings & Contents Insurance and Accident, Sickness and Unemployment Insurance from a selected panel of providers.
