Fee Free Mortgage Broker Oldham
Having trouble choosing the right mortgage? Our mortgage broker Oldham is fee-free and guarantees a hassle-free experience when selecting your perfect mortgage. Customer care is at the heart of our service, offering personalised and expert solutions for your mortgage needs, including fee-free advice and solutions tailored to mortgages in Oldham and Saddleworth.
- Free Independent Mortgage Advice
- We Complete Your Application
- Access To The Best Mortgage Rates
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Our highly-trained team of advisers will process your mortgage application, give you professional advice, and assist you in securing the most competitive deals in the market without charging any broker fees. We pride ourselves on delivering friendly and professional service and ensuring expert guidance and assistance throughout your mortgage journey.
You can book a free mortgage consultation online with our mortgage advisors; it’s easy and ensures that you receive personalised guidance based on what best suits your needs.
Learn more about how we offer a fee free mortgage service.
- A TREE PLANTED FOR EVERY MORTGAGE
Independent Mortgage Advisor Oldham
There is no need to search for the best mortgage yourself. Our experienced local mortgage broker in Oldham will help you navigate the complexities of securing your best mortgage, offering personalised guidance and simplifying the application process.
We are fully independent, unbiased, and committed to supporting you at no cost from start to finish. They can provide our highly recommended fee-free service, which has a 5-star rating on Trustpilot.
We Help You Secure the Best Mortgage Deals
YesCanDo Money, a mortgage broker in Oldham, offers bespoke packages for each client. Whether it’s a new buy-to-let or a remortgage, we give expert advice about any situation in Oldham.
- Full Support: You will have one mortgage advisor from start to finish who will ensure the smoothest journey possible by keeping you informed every step of the way. This support is intensified through our partnership with estate agents throughout your purchase.
- Tailored Solutions: Our methods are unique and can accommodate any requirement; we help you determine what mortgage product would be best for you financially.
- In-Depth Financial Guidance: We don’t just stop at getting you the perfect mortgage – we provide ongoing support with future financial planning such as re-mortgaging, growing your property portfolio and insurance to protect your finances from unforeseen events.
Free Independent Mortgage Advice Oldham
At YesCanDo Money, we focus on transparent and straightforward communication, ensuring you understand every aspect of your mortgage without surprises.
- No Hidden Fees: We charge no additional fees, maintaining our commitment to transparency.
- Clear Communication: Our advisors use understandable language to ensure you are fully informed, enabling you to make the best choices.
- Honest Guidance: We prioritise your interests, offering unbiased and professional advice to save you time and money. Our team provides expert mortgage advice, ensuring you receive the best support throughout your mortgage journey.
Our extensive experience in the mortgage market allows us to navigate the complexities to find the best mortgage deals for you, leveraging our 20 years of expertise to benefit your financial decisions.
Access to Every Mortgage Lender
Our team has access to over 95 mortgage providers, ensuring you get the best deal possible.
- Every Mortgage Lender: With over 95 lenders and more than 14,000 mortgage options, our mortgage brokers in Oldham can find the perfect solution for you, including top high-street lenders. This local advantage ensures you’re not missing out on deals that could be the best fit for your needs.
- Exclusive Offers: Our direct relationships with lenders allow us to secure favourable mortgage terms for you.
- Market Expertise: We have deep knowledge of market trends and lender criteria, helping guide you to the right choice.
First-Time Buyer Mortgages Oldham
Getting into Oldham’s property market is thrilling because of its variety, everything from new flats to old terraced houses. We think first-time buyers should get the best deals and support to set up their mortgage journey and future finances on a solid base.
- Tailored Mortgage Advice: We will make our best mortgage advice right for you at the very beginning by suiting it to what you want personally and working alongside your targets to develop perfect solutions.
- Access to Exclusive Deals: We find first-time buyer mortgages tailored explicitly for you, including offers not readily available on the market.
- Application Assistance: We streamline the paperwork, keeping your estate agent and conveyancer in the loop for a smoother process.
Securing the right mortgage not only aids in financial stability but also ensures a strong start in property investment. Learn more about First Time Buyer Mortgages
Remortgage Oldham
When it comes to renewing your mortgage, known as a remortgage, our team is experts at providing you with an array of options. Whether you need to reduce your mortgage costs or release equity for home improvements, getting the best possible rate can put you in a better financial position.
- Comparison of Rates: We have access to the most competitive rates from all major high-street lenders and other lenders.
- Guidance on Equity Release: Get professional mortgage advice about how best to tap into funds through safe means using your home’s equity, whether that is to use for home improvements or debt consolidation.
- Simplified Process: We take care of paperwork and deal with lenders and solicitors, simplifying the remortgaging process for you.
Learn more about how to remortgage in Oldham here
Buy-to-Let Mortgage Oldham
Whether you are starting to invest in property or if you want to grow your property portfolio, our free independent advice on buy-to-let mortgages can help you make the most of your money.
- Support for First-Time Investors: Make sense of your first property investment with us.
- First-Time Investor Support: Navigate the intricacies of your initial property investment with our guidance.
- Portfolio Expansion Advice: Gain strategic financing solutions and exclusive deals tailored for portfolio landlords.
- Market-Aligned Mortgage Selection: With deep market knowledge, we align you with the best mortgage lenders for your investment goals.
Find out about getting the best Buy To Let Mortgages here
Moving Home Mortgage Oldham
Moving to another location in Oldham? Our home mover mortgage knowledge guarantees a smooth move into your new property with a customised recommendation.
- Tailored Moving Advice: Get individualised information which matches your plans for moving home.
- Seamless Mortgage Transfer: We support you whether you want to remain with your existing mortgage (called mortgage porting) or get a new mortgage deal.
- Full Assistance: We support you from our first friendly chat until you move into your new home. Our team liaises with all parties involved so the mortgage process goes as smoothly as possible.
Discover how wer can help you choose the best Moving Home Mortgage.
Mortgage Protection in Oldham
When you buy a home and take out a mortgage, you are making one of the biggest financial commitments of your life, so it is important to ensure that you have the right protection in place.
At YesCanDo Money, we care about our clients, so we offer different types of policies which can help with this, including comprehensive insurance solutions for mortgage protection. Our expertise in providing fee-free mortgage advice and protection insurance ensures you receive professional and friendly service tailored to your needs.
- Buildings and Contents Insurance: This covers against damage or loss caused by things such as fire, theft etc – not just for the building itself but also for everything inside it.
- Critical Illness Cover: If someone is diagnosed with an illness specified within the policy, then they will receive a lump sum payment under critical illness cover, which could be used towards medical bills or living expenses while off work due to being seriously unwell.
- Life Assurance: Often called Life Insurance, this protection pays out if you die during term ensuring loved ones don’t struggle to keep up mortgage repayments plus the general cost of living.
- Income Protection is designed to replace earnings should sickness or an accident prevent you from working. It helps keep you paying your mortgage and other financial commitments until you are well enough to go back to work.
These protections ensure that your significant financial commitments are safeguarded against unforeseen circumstances, supporting your and your family’s future security.
Mortgage Advice Oldham: How We Work
Getting a mortgage in Oldham is easy at YesCanDo Money. We will help you with everything and ensure that you receive the best possible mortgage deal with the lowest interest rate according to your individual needs.
First Consultation: Our mortgage advisers will have a nice talk with you about your personal circumstances. Let them know what you want and what troubles you have met, we’ll demonstrate how we can help for free.
Finding for Your Perfect Mortgage: We have access to every kind of residential mortgage product available as we whole of market. This gives us the ability to help you secure the ideal interest rates, mortgage terms and over all deal for any situation.
Application Approval Process: We handle all paperwork needed to apply for the mortgage and maintain contact with providers while they consider it, informing you about what’s happening each step of the way.
Hear From Our Happy Homeowners in Oldham
Our clients’ success stories best illustrate how YesCanDo Money has helped them achieve their property dreams, save on their mortgages, or successfully invest in property.
Current Mortgage Rates Oldham
Mortgage rates in Oldham depend on the Bank of England base rate, your affordability rating, and the type of property you are considering. Mortgage lenders will take these factors into account before deciding how much to lend you and at what rates. The type of mortgage you choose and the mortgage term you decide on can also affect your mortgage offer.
According to ONS data, the average price of a property in Oldham in 2024 is £195,000. The table below shows the current mortgage rates for this average property price with a 80% loan to value £156,000 mortgage.
Other Mortgage Tools
Below are essential mortgage tools to help you navigate your home buying journey:
- Mortgage Rate Comparison Tool: This tool allows users to compare different mortgage rates available from over 95 UK mortgage lenders.
Mortgage Affordability Calculator: This tool offers potential buyers an estimate of how much they could borrow based on their income and outgoings, offering an effective starting point to understand their purchasing power.
Mortgage Repayment Calculator: By inputting loan amount, interest rate, and mortgage term, users can get an estimate of monthly repayments. It’s essential that users properly budget and ensure they can comfortably meet these payments.
For a comprehensive understanding of these calculators’ results, and to make informed decisions, get in touch with our fee-free mortgage advisors.
Frequently Asked Questions
Is it worth talking to a mortgage broker?
Yes, mortgage brokers provide tailored advice, access to a broad selection of products, and handle the entire process, saving you time and money.
How much do I pay for a mortgage broker?
Costs can vary from £500 to £3000; however, entities like YesCanDo Money offer their services free of charge, relying solely on commissions from lenders. Others may charge a flat fee or a percentage of the mortgage amount as payment for their services.
Is it better to get a mortgage through a broker?
In the UK, employing a broker often provides more choice and possibly access to better rates because they have a larger pool of lenders and exclusive mortgage deals.
Do you need to use a mortgage broker in Oldham?
No, you're not confined to using a mortgage broker in Oldham. Many excellent brokers across the UK offer remote services, allowing you to find the best broker nationwide.
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