Independent, Fee Free Mortgage Advice in Cheshire,
from Our Expert Mortgage Brokers and Advisors

Fee free mortgage advice means you do not pay us for our services – the lender pays us after your mortgage completes.

Fee free mortgage advice ensures you can access professional support without having to budget for broker fees. At Chesterton Grant, we believe that expert guidance should not be a financial burden. Our payment comes directly from the lender once your mortgage application is successful and has completed. This is a common industry practice, but unlike many brokers, we do not charge an additional fee on top. Because we are independent and work across the whole market, we are not influenced by any particular lender’s commission rates. Our focus is always on finding the most suitable product for your needs. Whether you are a first-time buyer, moving home, remortgaging, or looking at buy-to-let, our fee free service gives you access to the same or better rates than going directly to a lender, but with the added benefit of our expertise and full market comparison. You can be confident that the advice you receive is impartial, transparent, and genuinely in your best interest, with no hidden costs or surprise charges along the way.

We advise on all mortgage types, from first-time buyer loans to complex buy-to-let and remortgage cases.

Our service in Cheshire covers the full range of mortgage products available in the UK market. For first-time buyers, we can guide you through every step, explaining how deposits, affordability checks, and fixed or variable rates work. For home movers, we compare options for porting your existing mortgage versus switching to a new lender. If you are remortgaging, we can help you secure a better rate, release equity for home improvements, or restructure your loan to meet changing needs. We also work extensively with buy-to-let investors, both individuals and limited companies, helping to secure competitive rates for property purchases or refinancing. Self-employed applicants can also benefit from our expertise, as we understand the documentation and lender criteria involved. Because we have whole-of-market access, we are not restricted to a limited panel of lenders, meaning we can consider high street banks, building societies, and specialist mortgage providers. Our approach is to find the most suitable deal for your situation, not just the easiest to arrange. This ensures that whether your case is straightforward or complex, you get the right advice and support.

Yes, we can help you review your remortgage options and secure the best deal, often starting six months before your current rate ends.

Remortgaging is an important opportunity to improve your financial position. In Cheshire’s varied housing market, it can mean securing a lower interest rate, reducing your monthly repayments, or releasing equity for other purposes such as home renovations or debt consolidation. At Chesterton Grant, we recommend reviewing your options around six months before your current mortgage rate ends. This allows enough time to research the market, lock in a competitive deal, and ensure a smooth transition without paying your lender’s standard variable rate. Our advisers will compare products from across the market, taking into account fees, rates, and flexibility. We also manage the application process on your behalf, liaising with the lender and any solicitors involved. If market conditions change before your remortgage completes, we can reassess and switch you to a better product if available. This proactive approach ensures you are always in the best possible position when your new rate begins. By using our fee free service, you benefit from expert guidance without adding to your costs.

Independence ensures our advice is unbiased, and whole-of-market access gives you more choice and better rates.

An independent, whole-of-market mortgage broker can offer you significantly more choice than a bank or tied adviser. In Cheshire, where property types range from city flats to rural cottages, having access to the widest selection of lenders is crucial. At Chesterton Grant, we are not tied to any single bank or building society. This means we can search hundreds of products from across the market, including specialist deals not available directly to the public. Our independence also ensures that our recommendations are based solely on what is most suitable for you, rather than what benefits a particular lender. We look at the full picture, considering not just interest rates but also product fees, repayment flexibility, and any early repayment charges. This thorough approach helps us identify options that may save you money in the long term. By combining whole-of-market access with local market knowledge, we provide a service that is both comprehensive and tailored to your individual needs, ensuring you make an informed and confident decision.

No, there is no catch – our service is genuinely free to you, and our payment comes from the lender once your mortgage completes.

Fee free mortgage advice is exactly what it sounds like. When you work with Chesterton Grant, you will not pay us for our advice or the work we do on your mortgage application. Our payment is a commission from the lender once your mortgage completes, which is the same way many brokers are compensated. The difference is that we do not charge you an additional adviser fee on top, whereas some firms do. Because we operate on a whole-of-market basis, we are free to recommend products from any suitable lender, regardless of the commission they offer. This ensures our advice is unbiased and focused solely on your best interests. There are no hidden costs, no conditions that tie you in, and no obligation to proceed if you are not satisfied with the options we find. Our aim is to make the mortgage process as straightforward and stress-free as possible, while saving you money on broker fees. This transparency has helped us build lasting relationships with clients who return to us whenever they need mortgage advice.