Second Countrywide broker joins Complete Mortgages

Monday, 6th August, 2018
Mortgage Broker Knaphill

Guildford mortgage broker, Complete Mortgages, has lured yet another high-flying mortgage specialist from the UK’s largest single mortgage brokerage, Countrywide, as part of its continued growth plan and following a series of national mortgage industry award wins.

Sam Man, who takes the Complete Mortgages team to 14 people, spent one-and-a-half years at Countrywide after taking over the role of mortgage and protection consultant from Lee Cousens when he left the firm to join Complete Mortgages in 2017.

Prior to working at Countrywide, Sam established his career as a senior banker and protection consultant at Lloyds TSB and Natwest.

Building on Complete Mortgages’ relationship with Surrey’s network of 17 independent estate agents, Seymours, which has seen senior Complete Mortgages brokers permanently located in the estate agent’s offices, Sam will operate out of Seymours’ Knaphill office from August 2018.

On joining the team, Sam comments: “Complete Mortgages is a Guildford Mortgage Brokerage with a national reach and a growing reputation for securing great mortgage deals for its clients. This, combined with its award-winning service levels, makes Complete Mortgages a great company to work for and an opportunity that I’m looking forward to develop as I make it the ‘go-to’ mortgage broker in Knaphill.”

Complete Mortgages has grown significantly since it was established in 2005 and become nationally renowned for providing access to a diverse range of mortgage products, from first time buyer mortgages and buy to let mortgages to adverse credit mortgages and equity release mortgages. It also continues to win prominent Mortgage Intelligence Awards year after year.

Mark Finnegan, Director at Complete Mortgages, adds: “We’re delighted to have once again appointed a high-profile broker from a high-profile brokerage and we now look forward to building on our success, growing our client base and continuing to deliver an award-winning mortgage broker service.”

If you are looking to arrange a mortgage in Knaphill contact Sam via sam@complete-mortgages.co.uk or call 01483 238280.

 

How to get the best equity release mortgage advice

Thursday, 24th May, 2018

Equity release mortgages have well and truly arrived.

As recently pointed out in our last equity release article, which includes a five point guide as to what you need to know about equity release loans, it is estimated that the value of UK equity release mortgages increased by £10bn last year.

However, it’s important to note that wherever there’s an opportunity, there are always opportunists, which was my first thought on recently watching a series of equity release adverts on TV.

One advert was proudly selling access to equity release mortgages for a fee of ‘only’ 1.95%. Whilst this doesn’t sound that high, it typically equates to around £1,395 – £1,495, which is, in fact, a relatively high charge.

As a Guildford mortgage brokerage that specialises in helping our clients to get an equity release mortgage, we believe that our fees are much fairer and transparent. For example, our flat fee structure means that we can help you apply for an equity release mortgage for only £699 – regardless of the complexity of the mortgage and value of the loan amount.

What’s more, our team of Guildford mortgage brokers now includes three equity release specialists. All three advisers have secured the highly coveted Certificate in Regulated Equity Release (CeRER) qualification, which ensures that Complete Mortgages can offer a wider selection of equity release mortgages to a wider section of the population.

It also means that we can help those who have traditionally taken out interest-only mortgages – and who are on an interest-only mortgage right now – to transition to an equity release deal without having to refer to a third party.

Whether you’re currently on an interest-only mortgage and thinking of switching over to equity release, or you’re simply considering your options and think that equity release could be a route you’d like to take, the first thing you need to do is contact a trusted – and qualified – mortgage brokerage.

Why not contact us to find out more on 01483 238280 or by emailing info@complete-mortgages.co.uk.

Complete Mortgages also specialises in other mortgages over and above equity release mortgages. We can also arrange mortgages for self-employed people, mortgages for teachers, adverse credit mortgages, buy to let mortgages and limited company buy to let mortgages.

By Mark Lucas, Equity Release Adviser at Complete Mortgages

Complete Mortgages appointed as preferred brokers for prestigious Surrey development

Wednesday, 11th April, 2018

Guildford Mortgage brokerage, Complete Mortgages, has been appointed to handle mortgage applications and enquires for Shanly Homes’ Oak Meadows site – a new development in Woking’s West End area containing 84 properties ranging from £525,000 to £890,000.

The decision builds on the Guildford mortgage adviser’s successful partnership with Seymours, which is exclusively selling all 84 properties on behalf of Shanly Homes under its Land & New Homes division.

The development, which officially launches on 14 April, offers private parking to all 84 homes, spacious internal layouts, professionally designed kitchens and landscaped gardens.

A number of the units are available under the Help to Buy Scheme, a government initiative that makes new build properties accessible to all home buyers by providing a loan to increase the overall size of the borrower’s deposit.

As a Help to Buy mortgage specialist Complete Mortgages provide its clients with a comprehensive mortgage brokerage service, which means that it can manage all aspects of the Help to Buy mortgage application process – from the initial enquiry through to securing an offer from the lender.

Mark Finnegan, Director at Complete Mortgages, comments: “This is yet another positive step forward for the business and one that reflects our commitment to providing nothing but good service, as well as ensuring that our clients are able to achieve their desired goals when it comes to finding their next home. We’re proud to have been appointed as an approved mortgage broker at the Shanly Homes site and now look forward to helping our clients and those of Seymours find their next home.”

Nationally recognised for its high service levels and sustained growth, Complete Mortgages continues to win awards year after year at the Mortgage Intelligence Awards event. The awards programme is run by Mortgage Intelligence, a mortgage and insurance network and club that helps brokers achieve more by providing tailored solutions, support and training.

To attend the launch of Oak Meadows or for all mortgage enquiries relating to the development contact Seymours Land & New Homes in Horsley on 01483 355444.

Will commercial mortgages be the new buy-to-let in 2016?

Thursday, 7th January, 2016

Now that we’ve hit 2016 running, it’s always interesting to reflect on the preceding year – and 2015 was interesting for a number of reasons.

From the perspective of a Guildford mortgage broker, the most notable point was how the Surrey mortgage market went from strength to strength, with the revelation that banks lent more in October than any other point since 2008 when the financial crisis hit.

Another significant point was how the buy-to-let market remained hugely buoyant at the beginning of the year, only to then be rocked by the Chancellor’s announcement that the amount landlords will be able to claim will be capped at the basic rate of 20 per cent. This is being phased in up until 2020 however it has made buy-to-let investors reassess their mortgages in the interim.

As part of this reassessment, many investors have even refocused, moving away from traditional buy to let mortgages, opting instead for commercial property investments where rental yields can often be higher – a route many of our clients have avoided thus far because a) it’s seen as something other people (namely businesses) do, and b) arranging a commercial mortgage is, for some reason, perceived as being more difficult.

The good news is that it isn’t any more difficult and it’s also open to anyone. Not only that but it’s often a much quicker process based on the high number of commercial properties available compared with those in the residential sector.

Of course, using a reputable mortgage brokerage with access to a comprehensive range of commercial mortgage products, a thorough understanding of the commercial mortgage market and who knows how to navigate the commercial mortgage application process is crucial.

So, regardless of whether you’re a well-seasoned buy to let investor looking to venture away from the residential market, or a newcomer considering their options in the wake of the imminent tax changes, then why not make Complete Mortgages your first port of call in the New Year.

Our team of experienced professionals will advise you on your best options based on your finances, help you select a mortgage that complements your lifestyle and handle the entire application on your behalf. It couldn’t be any easier.

In the meantime, the team and myself watch with interest as we anticipate that 2016 will be the year of the commercial mortgage.

Discover what mortgages are available to you in 2016. Get in touch with the team on 01483 238280 or email info@complete-mortgages.co.uk.

 

Not all commercial mortgages are not regulated by the Financial Conduct Authority.

There will be a fee for arranging a commercial mortgage and the precise amount will depend upon your circumstances.

This fee would typically be between 0.50% and 1.00% of the mortgage amount and it is payable upon completion. We will let you know exactly what our fee will be once we understand the nature and complexity of your enquiry.

Complete Mortgages Property Limited is authorised and regulated by the Financial Conduct Authority under number 690735 in respect of consumer credit activities only.

Your home may be repossessed if you do not keep up repayments on your mortgage.