Lancashire Mortgages – What we do for you
Lancashire Mortgages is powered by Mortgage Shop.com, who have been trading in this industry in various forms since 1988, and is here to help home buyers & home owners arrange initial mortgages and remortgages in the simplest and most straightforward way possible. We explain the complicated procedures in clear terms, thereby adding value to the whole transaction. It is our full-time role to provide you, the customer, with independent, impartial advice as we are not linked to any lenders or financial institutions unlike a number of our competitors which confirms we work for you not some multi billion pound over reaching and controlling company. We are dedicated to the mortgage market, and, if needed, we are also trained in all areas of financial services; we see it as our goal to help you to make the right choice and will introduce you to our partner companies where necessary to cover any area of concern. We are well known in the mortgage industry not simply to accept lenders first answers and to FIGHT for our client mortgage approvals; right through to the bitter end.
Lancashire Mortgages – Independent coverage for the whole of Lancashire the property market
The Lancashire mortgage market has never been so competitive. Never before have there been such a bewildering range of mortgage products and special deals available to you; many, many thousands are available today to advisers with access to all products – like us! As noted we don’t represent any particular Bank, Building Society, Finance House or Insurance Company, so we can use the full range of lender & insurer products from hundreds of different sources, thus finding the one that is exactly right for your individual needs. Most of our competitors have access to only 10% of these of providers. Do you want to choose from the whole market or just a tiny part of it? We work with our associated company the Sesame Bankhall Group (the UK’s largest independent and impartial provider of financial service products) to ensure that we have access to exclusive arrangements and funds allocated from all lenders to handle your needs appropriately. This relationship currently arranges 1 out of every 7 mortgages transacted in the UK!
Lancashire Mortgages – State of the art technology working for you
We have created our own state of the art client processing and update systems for use in servicing our clients needs. This allows each of you access to your financial portfolio and to track the progress of all your simultaneous accounts from the comfort of your own home; 24 hours a day, 7 days a week. This system works on the basic principals of anything we know, you know; as you can read our live work notes from your computer and indeed live chat to us instantly on any items in your client login area and we can talk you through as we have full access to everything you can see to assist supporting you. We are not in the business of keeping our clients in the dark which is why we have invested dramatically in our own unique systems to provide faster responses to you. We find our clients appreciate our total honesty and straight forward communication of facts at all stages, even if the news isn’t always so good – we know our way around a problem; it’s our job.
Lancashire Mortgages – Clear, unbiased mortgage advice
We will explain exactly what is involved. You have a choice of any and all Variable, Discounted, Capped, Base Rate Tracker, Shared Ownership, Right To Buy, Stepped Fixed, Overseas, Remortgage, Let to Buy, Fixed, Flexible, Buy to Let, Self Build, Cashback, Help to Buy and Commercial offers. We will complete all the paperwork, submit it to the most appropriate lender, often electronically, negotiate your individual applications and monitor their progress through the administrative procedures, often with dedicated underwriting sources at the lenders, unavailable to High Street Customers.
Lancashire Mortgages – Over qualified to get the job done
Having entered the UK finance market in 1988, we hold a wealth of qualifications and experience to handle your financial needs – in fact now over 30 years in providing financial advice to UK clients. Our qualifications are listed as:
- Chartered Insurance Institutes Full Financial Planning Qualification FPC parts 1 – 3.
- Chartered Insurance Institutes Equity Release Qualifications.
- Institute of Financial Services Certificate in Mortgage Advice and Practice (CeMAP)
- Certification for Financial Services Supervision
We are also proud to have been recognised by Money Marketing in the Top Mortgage IFA category.
Lancashire Mortgages – 24/7 support
We recognise the individual needs of home-buyers and, as such, are open 24 hours a day, 7 days a week via our unique and bespoke online systems. We have out of hours underwriters ready to assist in answering those difficult mortgage enquiry questions by our FREEPHONE on 0800 092 0800.
Lancashire Mortgages – Let us help you
The first step you need to take is to get the mortgage underwriting started. We always advice our clients who are purchasing that you don’t source your new property first, as it rarely pays to be in a rush with one of the largest financial transactions you will make. If you have found your property and have had your offer agreed, don’t delay; submit your documents and information to us, when requested, as soon as possible. You will need to play catch up and rely on a team dedicated to your transaction; that’s us at Lancashire Mortgages. Through the internet, we are now your local mortgage specialists determined to offer a quality service from quality lenders without you having to take time off work going through meaningless paperwork that can now, through our use of state of the art technology, be transacted on your smartphone! With that in mind, we can give you, the customer, the most suitable mortgage package without all the stress.
Our mortgage enquiry form is just a click away, click here to be taken to it immediately, and get the ball rolling – you won’t regret it.
