Independent mortgage advice

Whether you’re a first time buyer, or your making your next move up or down the property ladder, at Beal homes we have a panel of trusted independent Mortgage advisors available to help navigate the mortgage market to make your home buying experience that little bit more smoother, and the best part is, there service is free of charge!

Professional mortgage advice

To help make the process of buying a new Beal home as smooth as possible, we offer a panel of trusted independent mortgage advisors. Sometimes referred to as a financial advisor or a mortgage broker, the mortgage advisors are on hand to understand your financial circumstances, and navigate through the thousands of mortgage products amongst the many lenders available to help find the best product for you.

Our panel of mortgage advisors work separately from any bank or mortgage company, they will offer you impartial advice on mortgages, and insurance. All mortgage advisors must be regulated and authorised by the Financial Conduct Authority (FCA), giving you that peace of mind when embarking on your new home Journey.

At Beal Homes we request that in order to proceed with a reservation, you are financially qualified by one of our panel Mortgage advisors, however when appointing a mortgage advisor to act on your behalf, you are not obliged to use one of our panel mortgage advisors .

Benefits to using a mortgage advisor

Mortgage advisors, in most cases are able to search the entire market to save you the hassle of doing so, and match the best product currently available based on your financial history. They also have the most up to date knowledge on changes to stamp duty and government or similar schemes that can help you with buying a new home.

Mortgage advisors will break down the costs to make sure you are clear on what your repayments will look like, and how that effects what your disposable income will be month to month.

The advisors will also support you through the application journey and guide you on any additional documentation that may be required to satisfy the lenders requirements.

First Time Buyers

If you’re a first-time buyer looking to get that all-important first step onto the property ladder, we can help. Whether you’ve got a small deposit, or you think your mortgage application will be declined because of your income, there are options for you to consider. We can help you explore Help to Buy products, utilising small deposits, providing access to free products as well as looking at ways to increase your affordability.