Mortgage Broker, friend or foe?

It is a pretty good question.  Why should you pay Hello Mortgage to source you a mortgage when you could apply directly to your bank?  We are whole of market, your bank isn't!


Getting the right mortgage or remortgage advice can save you £100’s each month.


Which Mortgage Advisers should you work with? To fully answer the question, you need to understand a little more on what our Mortgage Advisors do.

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How much can I borrow?

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What does a Hello Mortgage advise do?

The main role of our Advisors is to source you the best possible solution to meet your individual requirements.  We help you to understand what is possible, how it works, what the benefits are and guide you through the entire process from your initial enquiry to dealing with your solicitors and moving into your new home.


We will recommend the best mortgage and protection option for you.  Before doing this we will take time to understand your attitude to risk, your family situation and future goals.  We will discuss with you the different types of mortgages available to you, how much you can borrow and how much you can afford, the different product and loan terms as well as options to protect your home in the event of death, ill-health or unemployment.


We offer independent unbiased advice.  Our initial advice is always free, we don’t charge any upfront fees.  We will only charge you if you take a mortgage we source for you.


As a business, we are whole of market, this means (unlike your bank) we can source from an unlimited number of lenders and insurers to ensure we deliver the best possible product.  This is so important for those looking for bad credit or subprime mortgage as the market is a maze of criteria and red tape.

Why use a Mortgage Broker?

You are about to sign for the largest financial commitment of your life.  Do you really want to do that without taking professional advice?


We work closely with Lenders which gives us access to special offers that are not available if you went direct to a lender.  We also work with specialist lenders who only accept an application from a mortgage broker and not directly from a consumer.


We owe all our clients a duty of care and take personal responsibility for the advice we give to make sure you get the best possible product and service.  Trust and offering exceptional service is important to us, this is why the majority of our work comes from client referrals.


We can save you money.  Our Mortgage Brokers have saved some of our clients £100’s per month on their remortgages as well as recommending mortgages with lower repayments than going directly to their bank.


We are qualified.  Our Mortgage Brokers undergo extensive training and ongoing development to make sure they fully understand the range of products and complex criteria of the lenders we work with.  We believe this is why we are able to offer an excellent human touch service.

What else can our Mortgage Advisors offer?

We offer a complete service from start to finish.  Not only will we work tirelessly to source you the best possible mortgage but we will also source insurances to protect your home and your family, work with your solicitors and be here for support on the day of completion.


Our service really doesn’t stop at recommending your mortgage and insurances, we do a whole lot more.


We offer mortgage appoints that work for you.  We are local mortgage brokers near you with a national presence.  We offer an online service portal for secure document and message exchange as well as home visits, work visits, office appointments and telephone appointments.  All at a time and location that works for you.


We work with a panel of Solicitors/Conveyancers who adopt our need for client care and speed, we can instruct your legals for you and work with the law firm to ensure speedy completion.


Are you whole of market?


Will you call me back at times that work for me?


Is your initial advice free?


Can I have access to a 24 hour portal?


Will you work with my best interests at the very heart?


Are you qualified?


Will you give me value for money?

Of course, we answer YES    to all the above.


So, let's ask those crucial questions:


Hello Mortgage Limited is registered in England and Wales. Registered Office: Suite 20, Cookson House, River Drive, South Shields, Tyne & Wear, NE33 1TL. Company Number: 10414170. DPA number ZA332902


Hello Mortgage Limited is an Appointed Representative of MyInfinity Finance  Limited which is authorised and regulated by the Financial Conduct Authority 672182.


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