Mortgage Broker

Independent Mortgage Broker
in Leamington Spa & Warwickshire

Mortgages are one of the largest single transactions in most people’s lives. Buying a property can be a stressful and time-consuming experience; nowadays the financing of a mortgage is a case of researching the market and selecting the most suitable mortgage, rather than simply accepting a lender’s offer.

Banks, building societies and smaller niche lenders compete for your business, all offering a variety of interest rate deals, associated fees and other enhancements to attract borrowers.

Jack Bewick is part of an experienced team of financial advisers providing holistic and tailored financial planning solutions for businesses, individuals and families throughout Warwickshire.

What is the role of a mortgage broker?

Whether you're looking to purchase your first home, moving house, or purchasing an investment property, our expert team are committed to finding you the right mortgage solution. We compare all the different options across many banks and building societies, giving you peace of mind that you’re applying to an appropriate lender and receiving a competitive deal.

Working with us you’ll soon find that we are far more than just mortgage ‘brokers’ – but offer guidance and advice through the entire buying and selling process. Whatever your stage in life, we’ll have a mortgage service that works for you.

Our aim is not only to secure a mortgage for you, but also to ensure the long-term security of your home through recommendations on life insurance, critical illness cover and income protection.

What is the difference between a mortgage broker
and your local high-street bank?

The primary difference lies in the approach. When dealing with a bank, their advice is limited to their own products. Their main focus is ensuring you tick their boxes and meet their mortgage criteria.

On the other hand, with a mortgage adviser, it’s the other way around. Our aim is to discover the ideal lender or products that best suit you. We begin by getting to know you and gain a deeper understanding of your circumstances and needs. Rather than attempting to fit you into a predefined mould, we tailor our approach to your unique situation. We then evaluate your conditions and select the optimal lender for your requirements.

What truly excites us about this role is the individuality of each client. Every incoming call introduces a person in a distinct scenario, which is what makes this job so intriguing.

What service does a mortgage broker offer?

Our core service involves identifying favourable mortgage deals and guiding you through the home buying journey. Where we really add value is during in our ‘recommendation call’, during which we extend our advice and suggestions not only regarding the mortgage, but also safeguarding measures.

We will talk to you about protecting your income against potential loss of earnings due to sickness or injury, as well as the importance of putting measures in place to protect your mortgage and family if anything were to happen. Imagine being unable to work—how would you manage mortgage payments and other expenses? Additionally, we can assist in selecting a solicitor, arranging property surveys, and securing comprehensive home insurance covering both the property and its contents.

Our support throughout the home buying process has gained appreciation from many – our Google Reviews speak for themselves! Even if you're an experienced home mover or landlord, having enhanced clarity about the upcoming steps proves invaluable.

At what stage should I speak to a mortgage broker?

We always encourage people to reach out to us as early as possible. Even if you're just beginning to think about purchasing a property, gaining an early insight into the home buying process and how much you can borrow, will give you an indication of when you’ll be ready to start looking. We talk to people each day who are not yet in a position to buy, but being prepared will put you one step ahead when you do find the perfect property.

We can help put a plan in place: suggesting the necessary deposit amount and establish a budget for your property search, ensuring that your monthly repayment remains suitable both now and in the future. Furthermore, we provide guidance on topics such as stamp duty and the importance of engaging a solicitor and other industry professionals.

Our initial conversation typically spans around 10 minutes and serves as an informal discussion to explain the process, estimate your potential borrowing capacity, and outline the associated fees.

Looking for mortgage advice in Leamington Spa & Warwickshire?

Jack Bewick is part of an experienced team of financial advisers providing holistic and tailored financial planning solutions for businesses, individuals and families throughout the UK and specifically across the Warwickshire and Midlands areas including Warwick, Leamington Spa, Kenilworth, Stratford-upon-Avon, Coventry & Warwickshire, Lutterworth & Leicestershire areas.