MORTGAGE BROKERS

OFFERING MORTGAGE ADVICE

Whatever your financial situation, our team of mortgage advisers can help you get the best mortgage deal. Offering expert advice and guidance throughout the mortgage process, all you need to do is pick up the phone and speak to one of our mortgage advisers today.

 

Our Worker Bees Will Seek Out The Best Mortgage Deals For You!

At The Mortgage Hive, we understand that your mortgage payment will be one of your biggest monthly outgoings. We will search the whole market to make sure everything is taken care of.

If you want to see if you can save money on your future payments, we will help!

Borrow from £25,000 to £1,000,000+
Poor Credit? i.e. Late payments, Default, CCJ, Debt Management Plan, Pay Day Loans
We will check the high street and specialist lenders
Always take your circumstances into consideration to find the product that will be most suited to you
Offers an efficient and professional service

To find out more, please reach out to our team of mortgage advisors right here at The Mortgage Hive; we offer advice on all the different mortgage types available; we want to make sure all of our customers are cared for and get the best deal possible.

 

Find Out Now - 5 Simple Steps

Expert Advice - Check If You Are Eligible

Mortgage Eligibility checkerCall01202 084 064

Don't Get Stung, Let The Mortgage Hive Save You Money

Free Advice, Nothing to lose.

Open, Honest Straight-Talking Guidance

Great Friendly Customer Service

Online, Over the Phone, Face to Face

Residential Mortgages, Buy To Let, Equity Release

Life Insurance, Critical Illness Cover, Income Protection

 

Save Money Today Call 01202 084064

Your Situation Is Unique
So Is Our Advice.

Whether you are just starting out, moving home, seeking to re-mortgage or looking to invest in a buy to let property. Whatever your current circumstances, The Mortgage Hive has you covered

Why You Should Use A Mortgage Broker!

Whole of the Market Comparison
The Mortgage Hive will search across the Whole of the UK market. Which means we will find the most suitable Mortgage for your budget.

Our advisers will take into consideration your requirements, then match them with the lenders criteria to source the best mortgage deals.

We will deal with the lender to ensure the process is swift, smooth & hassle free for you.
Exclusive broker-only deals
There are certain lenders that are only accessible via a mortgage broker.

Other lenders also offer some mortgage deals exclusively to brokers, which you will not be able to access directly.
Impartial advice
Brokers work independently from lenders and hence will give you unbiased advice on each mortgage product.

Due to the vast knowledge acquired from sourcing the whole market, the Mortgage Hive will give you guidance on which lender is most likely to approve your application. We will be able to give you a good idea if your application is likely to be approved in principle, which will remove the risk of damaging you credit history by having applications declined.
Your Personal Consultant and Future Reviews
Your personal adviser will get to know you and your circumstances, building a rapport will improve the service you receive for current and future enquiries.
Not only will your consultant find the best mortgage you can afford, a good broker will also give you guidance on Protecting your family. This can include various Insurances such as:

Life Insurance

Critical Illness

Income Protection

It is important to schedule future reviews, to make sure you are always prepared for any changes in the UK market which could affect Mortgage rate.
Will Save You Time
Using a broker to find your Mortgage will save you a considerable amount of time and legwork.
As it will cut down on the amount of research you will need to find a competitive Mortgage with a Lender.

Professional Mortgage Advice

The Mortgage Hive can locate the best mortgages across the UK by examining the whole market, including broker-only deals; because we are independent and not constrained to a particular group of lenders, we can always find the right mortgage lender for you and get you the best deal!

Finding independent mortgage consultants and brokers can be challenging, but at The Mortgage Hive, we can provide you with professional mortgage assistance. For all of your residential and buy-to-let needs, including those related to first-time buyers, moving, remortgaging, capital raising, debt consolidation and buy-to-let. Get in touch with The Mortgage Hive today, we are always on hand to offer the best mortgage in the area.

Save Money Today Call 01202 084064

Find The Best Mortgage Deal With Our Mortgage Advisors

The Mortgage Hive, a Dorset-based company, offers its clients online or in-person home appointments nationwide; whether you are looking for mortgage advice, a mortgage broker or help and guidance on how to go down the route of an equity release, our team can provide you with the best mortgage advisor services across the country.

The mortgage sector can be challenging to understand, we will relieve you of your stress and worry, The Mortgage Hive will explain each stage of the process. After our free initial consultation, we will begin the mortgage process by searching the market for the best mortgage option for you.

As a small firm, we always offer our clients a personalised service to forge long-lasting relationships. Our busy bees want to help you get accepted for a mortgage to your dream home. Speak to our team today!

Let The Mortgage Hive Save You Money

Even if your situation is a little unusual, we can discuss your needs in more detail; our expert advice is tailored to each clients needs. To locate the best mortgages across the UK, we will always put a lot of effort into your personal requirements.

At every step of the journey, your mortgage expert will work with you to ensure you get the best possible service. Finding the best lender, product, interest rate and ensuring all other options are right for you.

Because of the complexity of the mortgage market, we can assist you whether you're seeking property financing for a new home or an existing mortgage. All you need to do is get in touch with one of our team. We come highly recommended and with great reviews!

Choose The Mortgage Hive Today

At The Mortgage Hive, we understand that your mortgage payment will be one of your biggest monthly outgoings. We will search the whole market to make sure everything is taken care of.

What is a Mortgage Decision in Principle?

A Mortgage Decision in Principle will let you know if a Lender will consider lending to you, and how much you could borrow.

Contact one of our  Mortgage Brokers Today to get a DIP.

 

Speak to an Adviser Today 01202 084064

Latest From Our Blog

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    What is a Mortgage in Principle?


    A Mortgage Decision in Principle (DIP) will give you an indication of how much you can borrow. Lenders, Mortgage Advisers and Estate agents also refer to a mortgage decision in principle as: Agreement in Principle (AIP) Mortgage in Principle (MIP) Mortgage Promise (MP) Approval in Principle (AIP)

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    Mortgages; What Are The Options Available?


    What Is A Mortgage? Simply put, a mortgage is a financial agreement between you and a lender that allows you to lend a large amount of money to purchase a property. The loan is secured on the property and if you do not make the mortgage payments, the Lender could repossess the property and sell the […]

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    8th December 2022

    What Can You Use Equity Release For?


    Have you been thinking about equity release? What can you use it for? Or would you like more information regarding releasing any funds associated with an equity release? If these are questions you find yourself asking, you have come to the right place; here at The Mortgage Hive, we specialise in all forms of mortgage and […]

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  • Equity Release Advice
    8th December 2022

    Frequently Asked Questions About Equity Release


    Homeowners have a lot of questions about equity release. Here are the most common ones, along with answers. Equity release is a way to access money is exactly what is says, releasing equity built up in your home Our team at The Mortgage Hive have offered equity release and advice for several years. Over this time, […]

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The Mortgage Process

1Initial Contact With Your Mortgage Adviser
Before you start looking for your new property, or considering re-mortgaging your existing deal. You will want to know, what you can afford, how much you can borrow and what the Mortgage will cost?

We have mortgage calculators that can help, however this should only be used as a very rough guide. As the amount will vary vastly depending on your lenders criteria and your personal circumstances.

To get a true representation if you are eligible for a mortgage and what the mortgage will cost, you will need to complete a Fact Find with your Mortgage Hive Broker.

The ‘Fact Find’ will consist of various sections designed to gather all your personal circumstances and credit history and the evidence to support it.

With a completed Fact Find, the Adviser is then able to research and source the best mortgage deals for you.
2How Much Will It Cost?
The Mortgage Hive has now completed its initial mortgage sourcing.
At this stage we will be able to give you an indication of how much you will be able to borrow, what the monthly payment will cost.
The Broker will send over a Key Features Illustration. (KFI)

The KFI will clarify figures regarding:

Mortgage amount,
Mortgage term,
Interest rates during and after the fixed period,
Monthly payments,
Any fees (including when and how they will need to be paid),
Any other additional features.

It is only valid on the day its produced, but will give you a strong indication on what is affordable to you.
3House Hunt, Keep Us Updated. (Only for First Time Buyers, Home Movers, Other Property Purchases)
Now you have established the amount you can borrow, you can browse the market to find your new property.

As lenders have criteria regarding the property you pick. i.e. Listed building, Type of Property, Near Commercial, Acreage, Ex council, Type of construction.

You will need to pass this relevant information onto us. Your adviser will check your chosen property fits your lenders criteria.
At any stage in the process, if the details in your initial Fact Find change, please update your broker.
4Apply for a Decision in Principle (DIP) / Agreement in Principle (AIP)
You are now at the stage where we apply for Decision in Principle also known by some lenders as an Agreement in Principle. Your Broker will submit a summary of the data established in the Fact Find to your chosen Mortgage Lender.

The Lender will check your circumstances match their criteria and assess affordability via your income and declared commitments which they will check by conducting a Credit Search.

The Credit Search, depending on lender can be either Soft or Hard.

A Soft Credit search has no detrimental effect on your credit report. It is only seen by yourself and the lender that conducted it.

However, a Hard Credit search, all future creditors will see. This will last on your credit report for 1 year. Please note too many of these in a short period will have a detrimental effect on your credit report and therefore hamper other credit applications.

Your personal Adviser, will be able to tell you which Credit Agency the lender will use and the type of search carried out, if you have any concerns about your credit file disclosure is always the best policy.

Please note all lenders will eventually carry out a Hard credit search, but this is done later in the mortgage process.
5Make Offer on New Property (Only for First Time Buyers, Home Movers, Other Property Purchases)
You are now in a confident position to put your offer to the vendor in the best possible light. Once your offer has been accepted please verify the purchase price with your adviser.
6Full Mortgage Application and Lender Underwriting
We are now ready to submit the Full Mortgage Application on your behalf. The lender will require evidence to support the information provided. The FMA will require further details not included in the AIP / DIP.

For example:
Your Solicitor details.
Vendor / Estate Agent details
Property Details
Direct Debit details to make your mortgage payments.
Payment of any fees applicable (i.e. Valuation Fee, Lender Application fee).
Type of Valuation required. (Standard Mortgage Valuation, Home Buyers Report)

The lender will then check through the application and conduct a mortgage survey on the property. If the property is new, it maybe worth looking into a more thorough survey, please contact us for details.
7Obtaining Your Mortgage Offer
Now the underwriting had been completed and the property is suitable to lend on, you will be presented with your Mortgage offer. A copy will also be sent to your solicitor.

The Mortgage Offer in most cases should be almost identical to the KFI that was produced.
8Meeting Your Solicitor, Exchange Date and Completion
A solicitor will be needed for both yours and the lenders interests. In a lot of case it will be duel representation, meaning you will both use the same solicitor.

There are 6 key stages to conveyancing



1. Initial stages, Engagement or confirmation of Terms of Business.

2. Pre-Contract Stage, Draft Contract and Searches

3. Exchange of contracts, You are now responsible for your new property, make sure your building insurance is in place. Ask your adviser for a quote.

4. Between Exchange and Completion

5. Completion (Moving Day)

6. Post Completion, register your ownership with the Land Registry.

Looking for 'A Mortgage Broker Near Me?' Get in touch with The Mortgage Hive Today!


Whether you are looking to purchase a new property, get a re-mortgage, or are simply wanting to get an idea on how much you can borrow and the monthly costs. We take great pride in providing independent mortgage advice across the UK tailored to your circumstances.


We have friendly, approachable mortgage advisers, and we’re always happy to help. So, contact us today to find out more about the mortgage services we offer.
We provide our Mortgage Advice throughout the United Kingdom.  Including  Bournemouth Poole Christchurch

Looking for ‘Equity Release advice Near Me?’ Reach out to The Mortgage Hive Today!


Considering releasing equity from your current property, or looking for a lifetime mortgage to purchase a new home? We love to help clients by providing impartial equity release advice across the UK whatever your requirements.

We have experienced, Knowledgeable friendly equity release advisers, who are always on hand to help. So, get in touch today to find out more about the different equity release products available.

We provide our Equity Release Advice all over the United Kingdom. Including Bournemouth Poole Christchurch London