MORTGAGES, LOANS & FINANCE

Mortgages, Loans and Finance 

With so many mortgages on offer, it can be very confusing knowing where to start! The vast array of options available can mean you can spend hours checking deals.

Our mortgage service will help you to cut through the overwhelm and find your way through the mortgage maze!

Whether you are looking for a mortgage to buy your first home, re-mortgage your existing property, move to a new house or need a buy-to-let or commercial mortgage, we will be able to source some great solutions for you to consider.

What mortgage products do we offer?

Cruze Financial Solutions are whole market brokers, which means we have access to every lender and provider available. We gain exclusive access to interest rates you cannot access directly.

Because we are independent and not tied to one lender, we can offer you impartial advice that is right for your needs.

Our highly rated service means we will work with you to determine the mortgage product that best suits your needs.  We want to ensure that you get the best mortgage solution.

Using our comprehensive experience, we have the knowledge that can help you get the best mortgage.

We have previously worked with clients whose circumstances include -

•        Self-employed

•        Contractor

•        Limited Company

•        Credit issues

•        Unusual property construction

•        Portfolio landlord

•        First-time buyers

•        Schemes including help to buy/shared ownership/right to buy, bridging loans

If you have unusual circumstances and need mortgage advice, just give us a call.

Why use a mortgage broker?

You will gain access to the best rates and highly skilled and qualified advice.  Sarah Drakard holds the Diploma in Mortgage Advice and Practice which is the highest qualification in mortgage advice. This means you get the advice you can trust.

Using a mortgage broker means you will gain advice on

•        The various types of mortgages available

•        Mortgage deals

•        Affordability – how much you can borrow

•        Assistance completing the mortgage application

•        Ensure you apply for the right mortgage for you, which means you are less likely to be rejected.

 

What is the cost?

Generally, the lender pays us.

In many cases, we save our clients’ money because we access great deals and time spent on completing mortgage applications. 

If you are applying for a small mortgage we may need to charge a small fee – all fees will be discussed and disclosed prior to your commitment.

 

Our mortgage advice process

We will ask you a series of questions including your current income, employment status, current outgoings including any debts you currently have to ascertain the amount you can borrow. Once you begin an application, you will need to provide evidence of your income and your ID.  All our clients have specific needs, and all our advice is bespoke.

 

Support throughout the mortgage application to completion

Our service means we not only help you obtain the right mortgage for you, but we hold your hand through the process. Clients love the fact that we support them right through to completion. This includes liaising with estate agents, solicitors, and other stakeholders. Meaning you have us there to help you through the entire process. This helps makes getting a new mortgage as smooth and stress-free for you as possible.

 

 

Other services

When buying or re-mortgaging a property, we will do a financial health check for you for free.

This reviews your Will, Lasting Power of Attorney, Pensions and Investments and insurance to ensure you are fully covered and have the right plans in place.

We also keep clients informed via our regular emails about information and offers surrounding financial advice.

 

Equity release

Please see our page here on Equity release if you are looking to release money from your home.

 

 Your mortgage is one of the most important elements of your life. Make sure you get the right mortgage for you.

Cruze Financial Solutions is committed to ensuring our clients get the best deal and the process is handled with care and attention. 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE