Mortgages & Financial Services
Before you put in an offer on a house, it is vitally important that you know whether or not you can successfully apply for a mortgage. Factors such as your income, credit history, age, dependents, affordability and many others all contribute to whether or not a lender will lend to you and how much. As different lenders all have different criteria lend different amounts based on your information, meaning one bank may refuse lending where another would not – it is important that you seek independent advice.
As a buyer, it is also essential you consider the importance and costs of protecting your mortgage against loss of income through job loss or health issues.
At Cardwells we can help you by introducing you to our independent financial advisers who will:
- Find the mortgage that best suits your circumstances by searching the whole of the market, in the process saving you money
- Help you budget by reviewing your current and future costs making sure that your purchase is affordable
- Explain and help you choose the right level of protection for your mortgage and lifestyle
- Be one point of contact through the entire mortgage process, as opposed to banks where it can be difficult to speak to the same person who originally advised you
If you were to call one of our estate agent offices, we may record telephone calls. We carry out this process in the interests of transparency to make sure the correct levels of service are being provided and to gain evidence of a business transaction/instruction. It will also help us with staff training, allowing us to build upon our already exemplary customer service.
We have offices in Bolton and Bury, with our areas of selling covering much of Lancashire. We have property for sale around the North West, including Manchester. We will be more than happy to help you with any aspect of the home buying experience, whether it’s simply just a bit of advice, or you would like further information on our mortgages and financial services. Call one of our branches (we also cover Walkden and Worsley) or pay us a visit to see exactly what we can do for you.