The right mortgage to suit you
We have access to over 40 different banks and building societies. Using an adviser, helps in all these different ways. Let us be the experts, whether you are a first time buyer, moving home, remortgaging or buying a property to let out.
Ross lets you know just why to use us for your mortgage advice
What is possible with one bank may not be possible with another. All the lenders have different calculations as to how much money they will lend. An experienced adviser will be able to tell you ‘exactly’ how much you can borrow, based on your income and affordability.
A Sphere adviser will shop around for you in ONE appointment (usually around 1 hour ) and this appointment can be made at your convenience and in your own home. If you shop around yourself it is likely that you will spend lots of time filling in online calculators, speaking to call centres, completing questionnaires and finally making appointments in branch. These appointments are in normal business hours, or done over the phone with no personal service.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
We have experience with all the different lenders, we also know exactly what paperwork is needed. If you need speed, we know which lender is quick at that particular time and we also have dedicated administration support. We will be chasing your mortgage every day – leaving you free to do your own job!
We will give you some basic advice on what is happening in the economy and also what might happen in the future, we will also look at your family circumstances and advise you on the best mortgage product to suit your specific needs. Once we have done this we will search all the different lenders and make sure that we get you a rate that saves you as much money as possible.
We all like to be loyal customers, we certainly are! We want you to always get the best mortgage to suit you, for that reason we think it makes sense for you to be loyal to US. This means in the future, if you move house, or if you switch to a new deal, we will always make sure that you get the best deal to suit you. Also you get to keep contact with the same person. It is our business, so we aren’t going anywhere. That enables you to build trust with us for the long term. We also reward people for recommendations. If you recommend a friend we reduce their client fee by 50%, we then send you a thank-you when they complete – £50 M&S vouchers.