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Mortgage Adviser Cambridge
The choice of mortgage products available today can be bewildering and lender’s criteria can making finding the most suitable mortgage increasingly difficult.
MORTGAGE ADVICE
Professional Advice
Because a mortgage loan is secured against your property, it is considered to be lower risk than an unsecured loan. Therefore, lenders can offer more favourable terms, at a lower interest rate and over a longer period.
The main types of mortgages are: residential; second home; buy to let and equity release.
Different rules apply under different circumstances so arranging a mortgages can be a minefield and take a frustrating amount of time and energy. An experienced mortgage adviser will, therefore, save you a lot of time and money by finding you the most suitable mortgage product.
Testimonials
Curious what people think about us?
Rachel Rutherford was able to secure us a mortgage very quickly and a much larger borrowing amount than we expected. She was very professional, responsive and gave us excellent advice. I would highly recommend for anyone looking for a mortgage.
– ELIZABETH BREWER 
Professionalism, Quality.
– LUCIENNE MANN
I really value the help provided by Oliver and Sam at Darlington. They have made the management of my pension pot so much easier, and have taken all the worry and hassle out of it. I feel that I can trust them, and that the advice and help they give is good value for money.
– SIMON GOUGH
Both Oliver and Sam have been incredibly helpful, approachable and open. They are very quick to respond to and deal with any, and varied, questions and 'first time investment' worries. It was a very big deal for me to start thinking about investments etc, but they made it all very painless! Very many thanks.
– JACKY LLOYD
Dartington was recommended by a family member and we were delighted with the service and outcome. Nicholas took care of our re-mortgage and was pro-active, responsive, professional and helpful throughout. We’d happily use Dartington again and would highly recommend
– JAMES ABBOTT
Dartington Wealth Management is unique in my view in that all its staff are trained to a very high level and are endlessly helpful and willing to help out even with trivia that is hardly rewarding for them. When it comes to specialist things, their skills stretch to pretty well every area of our financial lives and you know you are getting the benefit of cutting edge advice . Malcolm Coury, the CEO, has looked after me over some 20 years and when things get tough, which they are at present, he is always there with good advice given in a way that shifts panic to one side and brings sweet clarity to only the things that should concern us. Malcolm and his team make sure every communication is answered that day even if it is occasionally just to acknowledge and confirm the date a full reply will come through. I am hugely impressed with them and would have no hesitation in recommending Dartington to someone looking for an IFA.
– SIMON SMITH
All our dealings to date have been excellent, they have listened to our requirements made suitable suggestions and implemented them in a friendly and professional manner.
– MICHAEL DEARMAN
I have had honest advice and when my husband died they did all the necessary paper work for me very swiftlly and did not charge. A friendly professional firm who quickly understand your needs – no hard sell – your protection paramount.
– PATRICIA REVEL
I have been with Dartington since before they were Dartington, and the level of service has continued at the same high standard.
– PENNY HENDERSON
I can't recommend Dartington Wealth Management highly enough. Every time I speak to Rachel and Sam they're professional, friendly and responsive. I'm not exactly a numbers person, but Rachel and Sam always make every super clear and easy to understand. It's great to know that our investments are being looked after so well.
– BERTIE RAPKIN
I get a good personal service from an experienced and thoughtful person whom I have known for 30+ years, and trust. That’s very valuable to me even when we don’t entirely agree on priorities! He also advises me on things I need to get around to doing, and I usually follow his advice.
– ADRIAN MOXON
They were recommended to me and I have already recommended them to others. They are good at explaining things in a way I understand.
– SHEILA THOMAS
Applying for a mortgage
Applying for a mortgage is normally a two-stage process. The first stage involves a basic fact find to help you work out how much you can afford, and which type of mortgage suits your needs best. The second stage is where your mortgage adviser will conduct a more detailed affordability assessment, and if they haven’t already requested it, evidence of your income and where your deposit is coming from.
Your mortgage adviser will ask you a series of questions to work out what kind of mortgage you want, and how long you want it for. They’ll also try to work out, without going into too much detail, your financial situation. This is used to provide an indication of how much a lender might be prepared to lend you and on what terms. They will also give you key information about the product, their service and any fees or charges if applicable.
This is usually where you begin your application. Your adviser will begin a ‘fact find’ and a detailed affordability assessment, for which you’ll need to provide evidence of your income and specific expenditure, and ‘stress tests’ of your finances. If your application is been accepted, the lender will provide you with a ‘mortgage offer’ and a mortgage illustration and key features documents explaining terms of your mortgage. This will come along with a ‘cooling off period’ of at least 7 days, which will give you the opportunity to reflect on accepting your lender’s offer. Some lenders might give you more than 7 days to do this. You have the right to waive this period to speed up your home purchase if you need to. During this period, the lender usually can’t change or withdraw their offer except in some limited circumstances. For example, if the information you’ve provided was found to be false.
