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Ways we can help you
Whether you’re looking for a Mortgage to purchase or refinance a property, a Bridging loan to secure funding for an auction purchase or if you wish to review your life insurance arrangements; we can help you to find the right solution.
Why use Quick Mortgages?
- Our team of advisors are CeMAP qualified to guide you and give you best advice.
- We use a whole of market panel and can access exclusive terms
- We do not charge you any fees for the work we do
- We are authorised and regulated by the Financial Conduct Authority (FCA)
We have excellent relationships with our funding partners from High Street Banks to Specialist lenders. With our extensive mortgage knowledge and experience, we can find you the most competitive and innovative products in the marketplace.
Would thoroughly recommend Quick Mortgages. As a first time buyer during a uncertain time for the mortgage market, Rhiannon took the time to explain my different options and find me the best deal. Both Rhiannon and Hollie were really professional, responsive and well-informed. I was surpised and relieved at how smoothly the whole process went with their help.
Have used them twice now and both times been really pleased. Really responsive any time of day. Hollie and Rhiannon recently dealt with our house purchase and were great even when things changed last minute.
I found them on google and they were so friendly and talked me through everything. They were always in contact in relation to updates. I would highly recommend them and will be using them for my next remortgage.
Quick Mortgages specifically Rhiannon are absolutely phenomenal and I could not recommend them highly enough. Rhiannon is incredibly professional, reassuring, kind and patient. She replies to all queries immediately at all times of day and even managed my mortgage when she was on holiday. I found the mortgage process incredibly stressful until I used Quick Mortgages and Rhiannon. I have used many mortgage advisors in the past and none of them have been anywhere close to service and professionalism shown by Rhiannon and team. In addition to how amazing their service is, It is also FREEE!!! Absolutely no charges for using them and they complete the whole application for you with absolutely no stress for you. Thank you so much Rhiannon at Quick mortgages, I will definitely only be using you going forwards.
Such an amazing service from Jess and Hollie at Quick Mortgages. I bought a property in Scotland which had a date of entry within 7 weeks of the offer being accepted, Jess was extremely supportive with ensuring the application was handled promptly and Hollie kept me up to date as the application progressed. What could have been a very stressful situation was made so easy and at no additional cost to me. Thank you so much, cannot recommend enough!
I dealt with Paul and Hollie and they were extremely helpful and very knowledgeable. What could have been a painful experience was made much simpler with them both being involved. Thank you both!
Amazing service ! We get a mortgage with such a difficult circumstances . Very grateful to Tegan and Hollie who made this happen !
Great communication from the team who supported with ensuring we secured a great offer. Thanks for your help - would definitely recommend.
Quick and efficient and very helpful. Pleasure to have used them and would definitely use them again in the near future.
first class never give up even when mortgage company's give them hard time brilliant
Frequently Asked Questions
We have collated and answered some of the most frequently asked questions in order to make life easier for you.
How many mortgages can I have?
Providing it is deemed affordable by the lender, there is no limit to how many mortgages you can have. This applies to both residential and investment properties.
What credentials do Quick Mortgages have?
Our team of advisors are CeMAP qualified and have over 100+ years of experience in the industry. We are also authorised and regulated by the Financial Conduct Authority (FCA).
What is the difference between a repayment mortgage and an interest-only mortgage?
A repayment mortgage is guaranteed to pay off your mortgage by the end of the term if you keep up your monthly payments. For example, if you have a 30-year term, you will own your house when the final payment is made.
An interest-only mortgage only covers the cost of the interest rate set at that time. The loan amount will remain the same. When your term ends, you will need to sell the property to pay the mortgage in full or find another method of payment.
How much deposit do I need to purchase a property?
The minimum deposit required to purchase a property to live in is 5%. To purchase a buy-to-let property however, you’ll need a minimum of 20%.
How much should I spend on a home?
Everyone’s financial circumstances are different. You may need to live in a certain area for work, accommodate your family or prefer to live somewhere in the city. The type of home you can buy will depend on lots of different factors but ultimately, you should only buy a home that you can afford.
What costs are involved in buying a home?
As well as the costs of the home, there are other costs involved when buying a property including:
- Removal Van hire
- Solicitors’ fees
- Admin fees
- Stamp Duty (not applicable for first time buyers)
- Valuation fees
- Mortgage lender fee
How do I prove my income?
For lenders to determine how much you can borrow, they need to know how much you can realistically afford to pay back each month. To do this, they need to know your income details. You are usually required to provide copies of at least 3 months of bank statements and payslips. You will also need to provide evidence of any other income you receive such as benefits.
If you are applying for a joint mortgage, the lender will need to same details for the second person. If you are self-employed, you can prove your income via SA302s which can be obtained from HMRC.
How much can I borrow?
We can help you find out how much you could borrow. Lenders will consider your age, income and outgoings, savings, credit score and other markers to assess your financial situation to determine how much you can borrow.
Call us today on 0121 661 4676 to speak to one of the team.