The Mortgage
Clinic Blog
What You Should Know About Self-Build Mortgages
Embarking on the self-build path is exciting, but it’s also a journey filled with important decisions.
Is it Wise to Settle Your Mortgage Early?
Our team at The Mortgage Clinic Cookstown is here to help you explore these options and find the mortgage solution that aligns perfectly with your unique needs and aspirations.
Diving into Buy-to-Let Mortgages in Lurgan
Engaging a mortgage broker can significantly enhance your prospects of securing the most suitable mortgage for your needs.
Debunking Common Mortgage Myths
Whether you’re battling myths, or just starting out and feeling a bit lost, we’ve got your back.
Saving Money for a Mortgage Down Payment
In this friendly guide, we’re going to break down everything about mortgage deposits and show you how to build up that fund quicker than you might think.
Understanding Mortgage Applications: A Beginner’s Guide
If you’re setting out on the exciting journey of buying a home, chances are that you’re thinking about mortgages.
Book your free Initial Mortgage Planning Consultation
And then what happens?
- You view the properties you’re interested in, within the budget we have agreed
- When you find your favourite, register a bid
- Have a bid accepted and get your property ‘sale agreed’
- We check again for the best mortgage deal that’s right for your circumstances
- We complete your Co-Ownership application and mortgage application
- Property valuation is carried out by Co-Ownership and the chosen mortgage lender
- The Co-Ownership issues their decision letter
- Lender issues a mortgage offer
- In the meantime your solicitor will have been working in the background making the necessary checks etc
- Completion date agreed
- Collect your keys and get ready to move into your new home
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Your first meeting is FREE of charge.
If you instruct us to work on your behalf there will usually be a research and implementation fee. The actual amount you pay will depend upon your individual circumstances but a typical fee is £250 and this is payable when you instruct us.
FROM OUR CLIENTS
“Cannot recommend this mortgage adviser highly enough. I came across Helmut’s website after searching online, and I am so pleased that I made contact. Being a first time buyer, I was apprehensive about the options available to me. My first point of contact in looking into a mortgage was with my own bank, I then compared this to a few other highstreet banks, but I was not pleased with the options that they were offering. When I first met with Helmut, I explained my financial position to him and he was confident that he could assist me. He found several mortgages that I was eligible for, and they were at a considerably different amount than the banks offered me initially.” read more..
“As a first time buyer I was nervous about the house buying process. Helmut, mortgage advisor Lurgan at The Mortgage Clinic made the whole thing stress free and was very efficient with every detail. He organised both my mortgage and insurances, providing great mortgage advice and getting the best deals for me. I would like to thank Helmut for being so accommodating when meeting me and so meticulous meaning I didn’t have to worry about anything. I would definitely recommend anyone to use this service for Mortgage advice Lurgan“
“We sourced Helmut Elstner as our mortgage adviser. We were first time buyers and very new to the process. Helmut from The Mortgage Clinic was able to provide the guidance we needed and process all information in our home and at times that suited us. He was always in constant communication and was able to find us the best mortgage deals available in a very short space of time. His advice fee was very reasonable compared to any other mortgage adviser we had met. The mortgage he suggested was perfect for what we needed. The process felt much easier with Helmut on side and proceeded at a great pace. We would advise anyone to use Helmut from The Mortgage Clinic for any mortgage or financial needs, a five star service!”
“I would highly recommend The Mortgage Clinic to anyone. Helmut dealt with my first mortgage and then re-mortgage in a very professional and efficient manner. Dealing with an independent mortgage advisor gave a flexibility to pick tailored product that worked for me. Helmut brought to my attention details I would have never considered and saved me a lot of money and hassle.
I felt well looked after and that my needs were the priority. The best mortgage advisor I have ever came across and I have high confidence in his services.
Thank you !”