INDEPENDENT MORTGAGE ADVICE CORNWALLREADY TO MOVE?
Mortgages for your next adventure
Mortgage advice for when you need it most.
Here at the Mortgage Advice Centre, we pride ourselves not on just getting you the best mortgage, but also making the process as easy as possible. We offer Independent Mortgage Advice in Cornwall and across the UK. Whether you’re a first time buyer, or you’re interested in a buy to let, we’ll give you advice that is jargon free and recommend the mortgage that’s right for you. We don’t believe there’s a “one size fits all” approach to mortgages, and we take the time to understand you and your circumstances, putting everything we have into making sure you walk away happy, every single time.
WE SEARCH THE WHOLE MARKET
FRIENDLY AND KNOWLEDGEABLE
14 years of providing excellent Mortgage Advice in Cornwall.
Whether you’re a first time buyer, or you’re looking to remortgage, here at The Mortgage Advice Centre, we search the whole of the market so you don’t have to. We take the pain out of finding the right kind of mortgage and ensure the application process is simple and easy. Whether it be a straight forward re mortgage or the most complex mortgage case, our mortgage advice centre brokers and adviser’s will be able to offer advice and help you get the best deal. Our advisers and mortgage brokers offer advice throughout the uk, both regionally and nationally, and all our enquiries are dealt with at our office in Truro ,Cornwall so that you get a friendly face if you want to pop into our office. Our brokers use sophisticated mortgage search tools, searching the whole of the market so you get the best deal based on your individual circumstances. And to top it all off, we’ll fill in every form on your behalf!
Time to Remortgage?
If you’re looking to remortgage, we’ve got you covered. We’re experts at matching you to the right mortgage so you can save money, even if you’ve been rejected before. Speak to our specialist Remortgage broker and get a free, no obligation quote. We’ll help you get the process underway so you can spend more time enjoying the things you love.
Great Mortgages, Happy Clients
Discover why our clients return to us again and again.
Bridging & Development Loans
If you’re looking to finance your next project, or you’re embarking on an ambitious self-build project, let us take the strain by providing you with the best loans on offer. We’ll take all your personal and business circumstances into consideration and find you the deal that is perfect for you and your project.
Ready for Equity Release? Discover all you need to know.
Equity release is becoming more and more popular as the population ages and finds themselves in the bracket of asset rich and income poor. Equity release allows capital to be released from your residential home tax free so you retain ownership of your home. So you can enjoy the spoils of retirement worry free. Discover more about Equity Release by clicking the button below.
Specialist Mortgage Solutions
If you’re looking for a Commercial mortgage, Help to Buy or HMO, we’re here to help. Our specialist advisers have decades of experience so we know exactly what you need, when you need it.
At the Mortgage Advice Center we have commercial mortgage specialists who have access to all the main stream and specialist lenders. We can easily contact lenders and have the expertise so that we can assess a case before you commit to any decision.
Bridging or Short Term Loan
If you’re looking for a short term or bridging loan in order to acquire a property to develop, our Mortgage specialists can help. Even if you require just a short term loan, we have the specialists to help.
Developer or Builder Loan
If you’re a developer or Builder looking for finance for your next building project, get in touch. We find loans for office buildings, warehouses, shopping centres, hotels, and industrial units.
If you’re looking to purchase properties to rent to multiple tenants, you’ll need a HMO Mortgage. Here at the Mortgage Advice Centre, we have extensive experience in finding the right kinds of mortgage for HMOs.
Who is this for?
A HMO is typically fully furnished and suitable for individual tenants, students or contractors usually targeted at city centres or universities.
Do I need a HMO?
Mortgage lenders have varied criteria regarding what they define as a HMO so it is essential to speak to an advisor to make sure that the right lender is approached.
What is a Help to Buy?
Help to Buy is a government scheme that helps you purchase a home. They are government backed schemes called shared ownership and equity loan. They are available only on specific properties.
If you are unable to afford a mortgage on the whole of a property then shared ownership allows you to purchase a portion of the property. You would then be required to pay rent for the share of the property that you don’t own.
An Equity loan is a government backed scheme that allows you to borrow up to 20% of the purchase price of a new build property and 40% if you are in London. The builder of the home would have to be part of the Help To Buy scheme.
How we can Help
Holiday Let Mortgages
Being based in Cornwall means we know everything there is to know about buying a Holiday home for Let. Whether you want a seaside fisherman’s cottage, or a castle in the hills, talk to us today about Holiday Let Mortgages. We are independent mortgage advice Cornwall.
Insurance to give you peace of mind.
When it comes to insurance, we recommend 5* policies to our clients. Whether you’re looking for Building and Contents Insurance, Life and Critical Illness or Income protection, speak to one of our advisers today to find the best cover for you and your loved ones. Insurance with built in peace of mind.
Clients helped in 2022
Mortgage products available
Advising on mortgage
Why choose the Mortgage Advice Centre?
Listen we don’t want to boast but we are good at what we do! Just see the reviews! We aim to help you through the process from beginning to end putting your needs and interests first. We are normal people who have a lot of experience in our job and we are here to help.
Whilst you are free to approach lenders, we have found that clients return to us as usually we can do everything over the telephone with our clients and within half the time using our access to the lenders! We are very confident in our commitment to our clients and have a demonstrable track record of out performing our clients’ expectation.
We are never far away and we are more than happy to assist you outside of office hours where necessary as we know that buying a house is stressful enough!
All of our FCA qualified advisors have at least 5 years experience in recommending mortgages. This experience enables us to ensure that you get the best deal and apply to the right mortgage lenders. It also means that you will always speak to somebody who is in the know and will immediately be able to answer any questions or queries that you may have.
We have a constant eye on the market so we know which lenders offer the most competitive packages with the best benefits. We don’t just look at the monthly cost but also factors such as redemption penalties, cash back, free services, overpayment options and repayment options and many more.
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