Blog Post

The Value of Mortgage Advice

Sep 24, 2022 | Mortgages

The Value of Mortgage Advice

When making a big decision, it’s human nature to seek advice from those who know what they’re doing, whether it is choosing your next car or scoping your next holiday destination. Buying a house is one of the biggest transactions you’ll ever make, so it makes sense to speak to an mortgage adviser before you get started.

According to findings from Legal & General1, almost three quarters of consumers seek mortgage advice to help them find the right mortgage deal, and 95% of those surveyed would recommend that their friends and family seek an adviser.

Despite this however, there are still many homebuyers that go direct to lenders, potentially missing out on more suitable mortgage deals and lacking the vital advice that can help them ensure a secure future for their loved ones. You might already have a mortgage and be looking to remortgage – how do you know you’re getting the most appropriate one for you?

Your bank or building society may offer you a tempting mortgage deal – but without looking around properly, it’s easy into committing to something that you may later regret.

This is where the real value of a mortgage adviser shows – we are able to look across the market at hundreds to thousands of mortgage deals and listen to your exact circumstances to recommend the most suitable deal for you. Not everyone is the same, and we listen before giving bespoke advice, based on years of experience.

Protecting you and your family

It’s important to protect you and your family for the future too – by going it alone, often you’ll miss out on vital advice on what’s out there to help ensure your home remains yours, even when life doesn’t go to plan.

The average household is just 24 days from the breadline, should you lose your main source of income2 and over 35% of homebuyers surveyed by Legal & General3 said that they were concerned about their family’s financial security if one of them were to die or lose an income.

When making such a big decision to buy a home, it’s vital to have a backup plan in place for you and your family’s peace of mind, but the range of protection insurances out there can seem overwhelming, and expensive. We will use our expertise to listen to your exact circumstances and recommend the protection that will benefit you and your family.

Six Reasons to Seek Mortgage, Protection & Insurance Advice

  • Greater peace of mind – it is the role of your adviser to help you make the right financial decisions, based on your needs and circumstances.
  • Competitive deals – we have visibility and access to a wide range of mortgage lenders and insurance providers, giving you greater choice.
  • Benefit from the experience – Our advisers are fully qualified to help you with your borrowing needs, and act in line with Financial Conduct Authority regulations. 
  • Faster & more efficient – We can help you with the details of your mortgage application, and we will aim to be accurate and timely.
  • Act In Your Interests– we act truly in your own interests, listening to your circumstances and only recommending what’s right for you. 
  • Lasting protection and security – we will explain which insurance policies are most applicable to you to make an informed judgement to protect you and your family.

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

There may be a fee for mortgage advice. We will not charge a fee for protection advice.

Availability and cost of cover is subject to criteria such as age, lifestyle, current health and medical history.

Sources

1   https://www.legalandgeneral.com/adviser/files/mortgage-club/_pdfs/value-mortgage-advice-2019-v14b-adviser.pdf

2   https://www.legalandgeneral.com/adviser/protection/news-insight/deadline-to-breadline/

https://www.legalandgeneral.com/adviser/files/mortgage-club/_pdfs/value-mortgage-advice-2019-v14b-adviser.pdf

By Peter Edmonds

Lauren JonesLauren Jones
08:56 03 May 23
We have used Lucie to help us with our mortgage on 3 properties now...and she is wonderful! We wouldn't ever want to... use anyone else and we would recommend to anyone.She is incredible knowledgeable and goes above and beyond to make sure were getting the best possible options.Thankyou again Lucie!xxread more
leo nepomucenoleo nepomuceno
10:26 02 May 23
Thank you is not enough to describe how grateful we are to Lucie Hart for helping us to get our mortgage in our first... home. You’ve been so nice and very helpful through the entire process. CFS is highly recommended.read more
Tomasz NikielTomasz Nikiel
19:31 15 Mar 23
Peter and Ian have helped arranging mortgages for me for many years. I cannot recommend their services enough. They are... always there to answer all questions as soon as possible, professional and friendly, ready to help in any situation no matter how complex. I always receive sound advice and best product possible. Arranging a mortgage with CFS is quick and stress free, they are absolutely brilliant!Thank you!read more
Katie TaylorKatie Taylor
20:30 01 Mar 23
I cannot recommend Central Financial Services enough. Peter and Ian have advised my husband and I on our finances for... over 8 years and they never let us down. Ian is very efficient and highly experienced too. Peter is professional and personable. I have previously recommended Central Financial Services to family, as well as friends, who have all had the exact same, seamless, efficient and excellent service and results.read more
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