There are many types of mortgages available and listed below are the different options that Mother Goose specialise in.
- First Time Buyer
- Remortgaging
- Moving Home
- Residential Mortgage
- Buy-To-Let Mortgage*
- Help to Buy**
- Guarantor Mortgages***
- Flexible and Offset mortgages
People often say that moving or buying your first house can be one of the most stressful things you will ever do, even remortgaging your existing property can fill people with dread. Having to search the market and spend hours on the internet to find the most suitable mortgage for your needs and personal circumstances only adds to the pressure and confusion.
This is why at Mother Goose Mortgages our main aim and priority is to take some of that pressure and confusion away from you. Regardless of whether you are a First Time buyer, or looking to remortgage or even wanting to purchase an investment property, we are here to help. With our knowledge and experience of the mortgage market and our access to the majority of all the mortgage products available on the current market, we are confident we can find the right deal for you.
With our help and guidance, you can take the time to compare and discuss your options, ensuring that you get the most suitable mortgage tailored to your needs and wants without the stress that the research can entail.
At the same time if you have an existing life, critical illness, income protection or unemployment policy, we can review this for you to ensure that it is still sufficient to protect your mortgage and financial circumstances, particularly if you are increasing your mortgage or the term.
We can also access schemes for more complicated cases or properties, so are confident that we will be able to assist even the most unusual of cases.
So, please give us a call or drop us a line for a no obligation chat to discuss your requirements. Our initial advice is free, however we do charge a fee for our service. This fee will be between 0% and 2%.The total fee shall not exceed 2%. Our typical fee is £495 but this will depend on the type and complexity on a case by case basis.
We will receive commission from the lender in addition to the fees you pay.
Example (for illustrative purposes only)
If your mortgage is for £100,000, there will be a total charge of £495.00 if your mortgage completes which equates to 0.4950% of the loan. Similarly, if your mortgage is for £40,000, there will be a total charge of £495.00 if your mortgage completes which equates to 1.24% of the loan.
The fee is payable on application. You will receive a Mortgage Illustration when considering a particular mortgage which will tell you about any fees relating to it.
Refund of Fees – Mortgages
The initial broker fee will be refunded is we are unable to achieve a mortgage offer, unless this is for non disclosure of any material facts / information.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE COMMERCIAL MORTGAGES, CONVEYANCING, SOME TYPES OF BRIDGING FINANCE AND IN GENERAL BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
*The Financial Conduct Authority does not regulate all Buy to Let mortgages.
**The Help to Buy Equity Loan Scheme closed to new applications at 6pm on 31st October 2022.
***Guarantors should seek independent advice.
