Fee Free Mortgage Broker Newcastle
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Mortgage Advice Newcastle: Why Choose Our Services?
1. Fee-free mortgage service
For over 25 years, YesCanDo Money has stood firm in its commitment to being predominantly fee-free. Unlike many brokers who might charge additional fees, we operate on a commission-based model. We believe that professional advice should be accessible to everyone for their personal circumstances, and our track record speaks for itself: we do NOT charge a fee in 9 out of 10 cases. Our dedication to transparency and value ensures that our clients always know where they stand, with no hidden costs.
2. Whole of market for the best mortgage deal
The mortgage market is vast and ever-changing. While basic comparison sites may offer a glimpse, they often fall short in capturing the full spectrum of over 14,000 mortgage products from 90+ lenders. At YesCanDo Money, our brokers utilise advanced tools to navigate this dynamic landscape, ensuring our clients receive the best deals tailored to their needs. Moreover, we take the hassle out of the process, of filling in forms and liaising with mortgage lenders on behalf of our clients.
3. Catering to Unique Mortgage Needs
Every mortgage scenario is unique. With over 30 years of experience, we understand the intricacies of the mortgage market. Being whole of market, we have access to a wide range of interest rates and mortgage lenders. Our primary goal? To find the best mortgage solutions tailored to our clients’ unique situations, always prioritising their interests.
4. Stress-Free Mortgage Journey
The mortgage journey can be daunting, but with YesCanDo Money, it doesn’t have to be. We’re committed to demystifying complex steps and ensuring a smooth experience for our clients. Through every phase, our team provides clear communication and guidance. As one satisfied client put it, “The entire process was seamless!” Our comprehensive service, from initial consultation with a mortgage advisor to liaising with mortgage lenders, underscores our dedication to client satisfaction.
- A TREE PLANTED FOR EVERY MORTGAGE
Newcastle Mortgage Advisor Reviews
Our customer reviews make us blush 😊
Our Fee Free Comprehensive Mortgage Services
Remortgage Advice
Life's circumstances change, and so do mortgage needs. Whether it's to secure a better interest rate, equity release, or consolidate debts, there are various reasons to consider remortgaging. Our team, with its in-depth market knowledge and the remortgage process, can assist in finding the best remortgaging deals tailored to your evolving needs. With the ever-changing financial landscape, it's crucial to have a trusted partner who can provide timely advice and solutions for your first mortgage.
- Expert guidance on the remortgaging process, ensuring the best outcomes.
- Access to a vast range of remortgage products, tailored to individual needs.
- Client-centric approach, prioritising your interests at every step.
Guidance for First-Time Homebuyers
The journey to buying your first home is both exciting and challenging. Understanding the mortgage process can be daunting for newcomers. At YesCanDo Money, we're dedicated to guiding first-time buyers every step of the way, ensuring they embark on their house-buying process with knowledge and confidence.
- Tailored advice for first-time buyers, ensuring a smooth home-buying experience.
- Access to a wide range of mortgage products, ensuring the best deals.
- Over 30 years of experience, offering unparalleled expertise and guidance.
Moving Home in Plymouth
Relocating, whether within Plymouth or moving to this beautiful city, can be a significant undertaking. Beyond the logistical challenges, there are financial aspects to consider. Our services ensure a smooth house purchase, handling all financial aspects of moving. Our attitude is nothing is too much trouble from understanding how much you can borrow to finding the best mortgage deal for your new home, we've got you covered. Plymouth, with its rich history, vibrant cultural scene, and stunning waterfront, is a sought-after location for many. Whether you're upsizing, downsizing, or simply seeking a change of scenery, we ensure moving house is financially sound.
- Expert guidance on the financial aspects of relocating.
- Advise whether it is best to port your existing mortgage.
- Comprehensive services, from understanding borrowing limits to securing the best mortgage deals.
- With access to mortgage broker tools and resources, our mortgage advisers find you the best mortgage lender for your situation and property goals.
Buy-to-Let Mortgages
Plymouth's buy-to-let market is thriving, offering lucrative opportunities for investors. Whether you're a seasoned investor or just starting out, our insights and expertise can help you navigate this market with ease. We offer guidance on property selection, understanding rental yields, and securing mortgage deals that maximise your property investment returns. With Plymouth's growing student population and increasing demand for rental properties, the buy-to-let market presents a promising investment opportunity.
- Expert insights into Newcastle's thriving buy-to-let market.
- Tailored helpful advice on property selection and understanding rental yields.
- Access to the best mortgage interest rates, maximising investment returns.
Our Mortgage Brokers Success Stories
Helping the people of Newcastle and the throughout the UK achieve their mortgage and property goals
Newcastle Property Market Insights
Newcastle, located in northeast England, boasts an enthralling past, a varied culture, and an active property market. Understanding the Newcastle property landscape is crucial whether you’re a first-time buyer or an experienced investor.
Current Mortgage Interest Rates
Mortgage rates are constantly fluctuating based on various economic factors. These rates play a pivotal role in determining the affordability of homes. A lower rate can significantly reduce the mortgage loan repayments, making homeownership more accessible. Conversely, a rise in rates can increase monthly repayments, impacting a buyer’s budget. To stay updated on the latest rates and find the best deals, check out our rates finder tool below.
Tip: To see what mortgage rates are available for your specific situation, click on the Do I Qualify? button below.
Mortgage Calculators for Newcastle Residents
- 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 in Newcastle’s market. Use our Mortgage Affordability Calculator here
- 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. – Use our Mortgage Repayment Calculator here
For a comprehensive understanding of these calculators’ results, and to make informed decisions, we recommend consulting with our fee-free mortgage advisors.
Detailed Insights: Newcastle Property & Mortgages
Most Expensive Area: The prestigious neighbourhoods of Newcastle, such as Jesmond and Gosforth, offer luxury residences, state-of-the-art amenities, and an elite community. Known for their exclusivity and charm, properties in these areas command a premium price.
Least Expensive Area: Areas like Byker and Walker offer value for money, providing essential amenities and a comfortable living environment. Ideal for first-time buyers or those on a budget, these neighbourhoods offer a blend of affordability and convenience.
Commute Time: Newcastle boasts excellent connectivity, with efficient transport links to London and other major cities. The average commute time to London by train is approximately 3 hours, making Newcastle a feasible location for those who occasionally need to travel to the capital.
Rental Market: The rental market in Newcastle is diverse, catering to students, professionals, and families. With two major universities in the city, there’s a consistent demand for rental properties, especially in areas close to campuses.
About Us
Founded by Steve Roberts, YesCanDo Money has evolved over 30+ years, providing unparalleled mortgage services to Newcastle and the UK. Our mission is to simplify and make the whole process of getting a mortgage stress-free, ensuring every client feels valued and informed. Our legacy in Newcastle and throughout the UK is built on trust, expertise, and a commitment to excellence.
Mortgage Advisors Newcastle: Meet our team
Our team of friendly mortgage advisors ensures every client receives tailored advice with a free mortgage consultation. Our expert mortgage advisers bring a unique skill set, ensuring a holistic approach to mortgage advice:
Bliss Harland
Mortgage & Protection Adviser
Bliss has over a decade of experience in the mortgage industry, with a keen understanding of the evolving work landscape. She’s passionate about helping self-employed individuals navigate the complexities of securing a mortgage.
Specialisation: Mortgages for Self-Employed Individuals.
Qualification: CeMAP Certified.
Grant Humphries
Mortgage & Protection Adviser
Grant’s analytical approach and problem-solving skills have made him the go-to expert for complex mortgage situations. He thrives on finding solutions for unconventional income sources or unique property types.
Specialisation: Handling Complex Situations.
Qualification: CeMAP Certified.
Tom Blackler
Mortgage & Protection Adviser
Tom’s dedication to his clients is evident in his thorough approach to guiding first-time buyers. He ensures they embark on their house-buying process with confidence and the best possible mortgage deals.
Specialisation: First-Time Buyers and Help to Buy.
Qualification: CeMAP Certified.
Jane Rowe
Mortgage & Protection Adviser
With over 15 years as a mortgage adviser, Jane has seen the changing dynamics of retirement and understands the unique financial needs of the older generation. Her empathetic approach ensures her clients feel understood and well-guided.
Specialisation: Mortgages for the Older Generation.
Qualification: CII Certified.
Hannah Edwards
Mortgage & Protection Adviser
Hannah’s commitment to assisting first-time buyers shines through in her meticulous guidance. She understands the challenges faced by this demographic and offers invaluable insights.
Specialisation: Assisting First-Time Buyers.
Qualification: CeMAP Certified.
Megan Stoyles
Mortgage & Protection Adviser
Megan’s expertise lies in ensuring clients have the right safeguards in place to protect their homes and financial futures. She’s a trusted mortgage adviser when it comes to mortgage protection.
Specialisation: Mortgage Protection.
Qualification: CeMAP Certified.
Educational Content and Resources
2 or 5 Year Fixed Mortgage: The Best Choice for You
Mortgage Affordability: How much mortgage can I get?
Do mortgage brokers charge a fee?
How long does a mortgage application take?
Do I need a Remortgage Valuation on my house?
How Much Can I Borrow for a Mortgage?
How long does a remortgage take?
Frenquently Asked Questions
Is it cheaper to use a mortgage broker?
Using a mortgage broker can often lead to cost savings in the long run. Brokers have access to a wide range of mortgage products and can negotiate better rates on your behalf. While there may be an initial fee, the potential savings in interest and better loan terms can outweigh the costs.
Is it best to go with a mortgage broker?
It's important to choose the best mortgage broker who can offer personalised service, access to a broader range of loan products, and expert advice tailored to your financial situation. They can simplify the process and help you find the most suitable mortgage for your needs.
How much would a mortgage broker charge?
Fees for mortgage brokers and independent financial advisors can vary. Some charge a flat fee, some charge a percentage and others are fee-free. It's essential to discuss fees upfront. At YesCanDo Money, we offer fee-free mortgage advice, meaning in most cases there's no direct charge to our clients.
Are brokers better than banks for mortgages?
Brokers can provide access to a wider variety of loan products from multiple lenders, giving you more options. Banks offer their own set of mortgage products. A broker can help you find a mortgage tailored to your needs, potentially at a better rate than a bank might offer.
Are mortgages more expensive through a broker?
Not necessarily. While brokers may charge a fee or receive a commission from lenders, they can also secure competitive rates due to their industry relationships. The potential savings and better loan terms they can negotiate might make the overall cost of the mortgage less expensive.
Mortgage Insights
Accord’s Enhanced Criteria for Foreign Nationals
Halifax Introduces Competitive Sub-5% Five-Year Mortgage Rates
Will mortgage rates go down in 2023 UK?
Halifax Unveils New 3-Year Remortgage Rates
BM Solutions’ Topslicing: A Buy-to-Let Game Changer
Green Mortgages: A Sustainable Path to Homeownership
House Prices Falling Boosts Mortgage Product Transfers
Mortgage Payments 39% of First-Time Buyers’ Income
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Transparency and Ethical Practices
At YesCanDo Money, we prioritise ethical practices, ensuring clients are always informed and confident in our processes. Our commitment to data privacy and security is unwavering. We believe in transparency, ensuring clients have a clear understanding of our processes and practices. View our privacy policy here for detailed insights into how we handle and protect your data.
Written by Steve Roberts
Steve Roberts, the founder of YesCanDo Money, has been a beacon of trust and expertise in the mortgage industry. With over 30 years of experience, Steve's leadership has positioned YesCanDo Money as a trusted financial guide in Newcastle and beyond. His vision, dedication, and commitment to excellence have been instrumental in shaping the company's success.
