What are the benefits of using a broker who can access whole of market when getting a mortgage

Using a broker with access to the whole market offers numerous advantages when securing a mortgage. Brokers can provide impartial advice, ensuring you find the most suitable deal tailored to your unique financial circumstances. With access to a wide range of lenders and products they can offer more options than traditional banks, potentially leading to better terms and lower rates. Additionally, brokers can navigate complex mortgage processes, saving you time and hassle while guiding you through every step of the journey to homeownership. Ultimately, working with a broker who has access to the whole marketplace can increase your chances of finding the most suitable mortgage solution to meet your needs and circumstances.

What does being ‘independent’ actually mean?

Being an independent mortgage broker means not being tied to any specific lender or financial institution. Instead, independent brokers have the freedom to search the whole of the market for potential mortgage products, ensuring that clients receive impartial advice and access to a wide range of options. This independence allows brokers to prioritise the client's best interests, offering tailored solutions that meet their unique needs and financial goals. By remaining unbiased and transparent, independent brokers provide clients with peace of mind, knowing they are receiving unbiased guidance to secure the most suitable mortgage deal available.

How is it possible to get fee-free mortgage advice?

Fee-free mortgage advice is possible when working with brokers who only earn commission from lenders rather than those that earn a combination of both commission from the lenders and who charge clients directly. These brokers, often termed as "fee-free" or "commission-based," offer their expertise without additional advice costs being levied on to the borrower. By leveraging their relationships with lenders, they can secure competitive deals while ensuring clients receive unbiased guidance and advice tailored to their needs. This approach allows borrowers to access professional mortgage advice without worrying about additional advice fees adding to the overall cost.

Bev Rawes - Mortgage Adviser

With my knowledge and experience of Mortgage and Protection products, I will help you navigate your way through the home buying process, checking affordability, liaising with Lenders, Estate agents and Solicitors on your behalf. I am focused on providing excellent customer service and building long term relationships with my clients.

How can we help

Whole of market, independent, fee free mortgages

When looking for a mortgage solution, it’s important that you have the confidence you’ve made the right decision in getting the best possible rate and product for your needs. With access to independent advice our brokers can explore the whole of the marketplace on your behalf to enable you to secure the best possible deal without the need to spend potentially £100s on unnecessary broker related fees.

Absolutely no broker fees

Getting the right advice for your mortgage can at times prove stressful enough without the added financial burden of having to pay for it. Fee-free brokers offer mortgage advice without charging clients directly as, like all brokers, are paid a commission from lenders when your mortgage completes. This arrangement enables you to access professional advice and recommendation without any cost commitment with your mortgage adviser. At Chesterton Grant Mortgages, you can be assured that our entire mortgage advice service will cost you nothing.

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Re-mortgage – a win-win opportunity

Remortgaging can be used to obtain a better deal, or simply a way of releasing some of the equity held in your property. You can potentially secure an offer up to 6 months before your current mortgage deal comes to an end, although nearer the time of completion (up to1 month before) should market conditions have changed in your favour, we will again advise you of your best options.

Access to whole of market for competitive deals

With the ability to access the whole of market, your mortgage advisor can find the most suitable mortgage deal that meets with your current needs and circumstances from the hundreds of possible options available in the marketplace. You can be confident that from the wide choice on offer in the marketplace, your mortgage deal is the most suitable and cost-effective solution for your unique situation.

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Fully independent mortgage advice

When a mortgage advisor has no affiliations to any specific lenders, prioritising your interests can be put first. You advisor can find you the best mortgage options to meet your current needs & circumstances. When a Mortgage Advisor is tied to a specific pool of lenders, it can restrict which mortgage products they offer you as they have a limited market to choose from.

Your mortgage

The team at Chesterton Grant can help source a wide range of mortgages:

1. Residential Mortgages

2. Remortgages

3. First Time Buyers

4. Home Movers

5. Employed or Self Employed

6. Help to Buy/ New Build

7. Buy to Let

8. Second Charge Loans

9. And more……

‘As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments’

‘Some types of buy to let mortgages are not regulated by the Financial Conduct Authority’

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What are the benefits of using a broker who can access whole of market when getting a mortgage

Using a broker with access to the whole market offers numerous advantages when securing a mortgage. Brokers can provide impartial advice, ensuring you find the most suitable deal tailored to your unique financial circumstances. With access to a wide range of lenders and products they can offer more options than traditional banks, potentially leading to better terms and lower rates. Additionally, brokers can navigate complex mortgage processes, saving you time and hassle while guiding you through every step of the journey to homeownership. Ultimately, working with a broker who has access to the whole marketplace can increase your chances of finding the most suitable mortgage solution to meet your needs and circumstances.
What does being ‘independent’ actually mean?

Being an independent mortgage broker means not being tied to any specific lender or financial institution. Instead, independent brokers have the freedom to search the whole of the market for potential mortgage products, ensuring that clients receive impartial advice and access to a wide range of options. This independence allows brokers to prioritise the client's best interests, offering tailored solutions that meet their unique needs and financial goals. By remaining unbiased and transparent, independent brokers provide clients with peace of mind, knowing they are receiving unbiased guidance to secure the most suitable mortgage deal available.
How is it possible to get fee-free mortgage advice?

Fee-free mortgage advice is possible when working with brokers who only earn commission from lenders rather than those that earn a combination of both commission from the lenders and who charge clients directly. These brokers, often termed as "fee-free" or "commission-based," offer their expertise without additional advice costs being levied on to the borrower.
By leveraging their relationships with lenders, they can secure competitive deals while ensuring clients receive unbiased guidance and advice tailored to their needs. This approach allows borrowers to access professional mortgage advice without worrying about additional advice fees adding to the overall cost.

Navigating a complex financial landscape

In the face of currently escalating living costs and interest rates, Chesterton Grant Mortgage can help you navigate the complex financial landscape. Our mortgage team can both research and identify tailored solutions to help alleviate your stress without compromise. With careful analysis and a holistic approach, our advisors help facilitate a smoother path towards obtaining a mortgage.

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Always contactable and flexible but also solve any problems encountered along the way.

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“This is the first time I have used Chesterton Grant and certainly won’t be the last. Beverley Rawes has been exceptional, she has explained everything in great detail, she has made this whole process seamless, she has supported me every step of the way and I would highly recommend her.”

Sharon Fraser

“We recently contacted Chesterton Grant Mortgages as our mortgage was up for renewal. The service has been exceptional! We were given an appointment really quickly after contacting them, and Bev our advisor has been so incredibly helpful. On our first visit, she explained everything and sent us away feeling confident that she could get us the best possible deal. The whole process was so easy and fast, it really took the stress away. Since then, Bev has continued to keep us updated and has even gotten us a better deal on our mortgage. She also upgraded our life insurance policies, giving us greater peace of mind. I wouldn’t hesitate to use her services again and fully recommend.”

Charlotte Venables

“Thank you to Bev from Chesterton Grant Mortgages who was fantastic from start to finish. Bev is very approachable and friendly, she checked in and kept me up to date throughout the whole process as a first-time buyer and is very organised. Would highly recommend her.”

Helen O'Neill

“Bev has been my broker for about 8 years, she's fast, responsive, thorough and very friendly. I recommend Bev to all my friends and associates.”

Hannah Lance

“I would highly recommend using Bev from Chesterton Grant. She organised our remortgage and kept us informed every step of the way. She was always on hand to answer any of our questions. She also gave us excellent advice on our protection policies which I later had to make a claim on. Thank you so much Bev. I wouldn’t hesitate in using your services in the future and would recommend anyone looking for a mortgage or information on protection policies to contact Bev at Chesterton Grant.”

Christine Jeggo

"Beverley was brilliant, great communication, speedy process and super helpful! Thank you!"

Danielle Lavercombe

"I’m first time buyer working with Beverly Rawes and I couldn’t have asked for a better, more patient person to work with. Answered every question and worry I had every step of the way. Highly recommend going with Chesterton Grant Mortgages."

Sean Halliday

"Bev was very responsive and made the process extremely simple to navigate."

Liam Byrne

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Contact

Evolution House

Lakeside Business Village

St David's Park

Deeside, Flintshire

CH5 3XP

T: 07956 661299

E: b.rawes@chestertongrant.co.uk

Website Design: H10 Marketing

Chesterton Grant Mortgages Ltd is registered in England and Wales. Company Registration Number 04232613. Registered Address: Evolution House, Lakeside Business Village, St Davids Park, Ewloe, Flintshire CH5 3XP.

Chesterton Grant Mortgages Ltd are authorised and regulated by the Financial Conduct Authority (FCA). You can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register. Our Financial Services Register number is 300796.