Our Mortgage Broker

❣️ Some lenders differentiate between light, medium, and heavy refurbishments and as a result, charge increasing rates in line with the increasing amounts of work required. ❤️🔥 Our Mortgage Broker can find a reputable lender for you. We have one product, covering a range of projects: 🩷 70% LTV NET day one + 100% of build costs. 🧡 Rates from 0.35% per month + BBR (0.79% per month). ❤️ Light-touch monitoring from an Asset Manager, not a QS. 💛 No Exit Fee 💜 No ERCs 🤍 Daily interest 🖤 Variable rates – when/if BBR goes down so does the rate 💚 One point of contact throughout the process of the loan, all the way to redemption. Get in touch today with Our Mortgage Broker

Looking for the best mortgage deals? Visit Our Mortgage Broker's landing page now for expert advice and latest mortgage and property finance rates. https://omb.team/

🏡 Are you looking to diversify your investment portfolio? 🤩 HMO Mortgages could be the key. With House of Multiple Occupancy properties, you can enjoy higher rental yields by accommodating multiple tenants under one roof. Not only does this maximise your income potential, but it also spreads your risk across multiple tenants. Plus, HMO properties often offer greater flexibility in rental agreements, allowing you to adapt to market conditions more effectively. 🔑 Ready to explore the world of HMO Mortgages? Let's chat. ☎️ 0203 971 1234 📱 07957 146 343 💻 info@ourmortgagebroker.co.uk

🔑 UK inflation dropped to 1.7% in September 2024, its lowest since April 2021, according to the ONS. The biggest downward pressure came from falling transport costs, particularly air fares and fuel. However, food prices continue to rise. 💷 Akhil Mair, managing director at Our Mortgage Broker, said, “With inflation now under 2%, there’s hope for a potential base rate cut by the Bank of England in November. This could boost property market confidence, making mortgages more affordable for buyers. However, we’ll need to see what the Chancellor’s Budget on 30th October brings.”

🤞 Here’s a quick guide to consider before and during your property search: 🚦Before You Start Searching 1. Set Your Budget - Calculate your maximum monthly payment. - Include deposit, fees, and moving costs. 2. Get Pre-Approved ✅ - Know how much you can borrow. - Show sellers you’re a serious buyer. 3. List Your Needs and Wants 📝 - Must-haves (e.g., bedrooms, location). - Nice-to-haves (e.g., garage, schools). 4. Research Neighbourhoods 🏘️ - Check crime rates, amenities, schools, and transport links. - Visit at different times of day. 🚦 During Your Search 1. Choose a Good Estate Agent 👨💼 - Find someone who understands your needs. - Access valuable insights and new listings. 2. Attend Multiple Viewings 👀 - Compare different properties. - Don’t settle for the first one. 3. Check Property Condition 🔍 - Look for damp, structural issues, and needed repairs. - Consider a professional survey. 4. Evaluate Commute and Amenities 🚗 - Check distance to work, schools, and services. - Consider public transport availability. 5. Understand the Offer Process 💼 - Be prepared to negotiate. - Stick to your maximum offer limit. 6. Review the Contract 📜 - Understand all terms and conditions. - Seek legal advice if necessary. 🚦After Finding Your Home 1. Get a Home Survey 🛠️ - Identify needed repairs and renegotiate if necessary. 2. Finalise Your Mortgage 💳 - Work with your broker for the best deal. - Ensure paperwork is in order. 3. Plan Your Move 🗓️ - Schedule movers, transfer utilities, update your address. - Start packing early to reduce stress. ✔️ For more tips, follow Our Mortgage Broker.

💚 Your One Stop Shop 🏆 We have been recognised and awarded with many property industry awards. 🫶🏽 Over 250 Five Star Reviews on Google and TrustPilot. 🏡 Our expertise lies in residential and commercial mortgages, specialist property finance, personal and property insurance. 🔑 We hold direct authorisation from the FCA, ensuring a trustworthy and compliant service. ✍🏼 As an independent and whole-of-market property finance firm, we offer unbiased solutions tailored to your needs. 😁 We provide free, no-obligation advice and are available to assist you 7 days a week. 🏢 With offices in London and the home counties, we are conveniently located to serve you. 🥇 Our team are qualified specialists with dedicated mortgage and protection experience. 💻 Get in touch with us. ⌨️ info@ourmortgagebroker.co.uk 🏠 0203 971 1234 📱07957 146 343

❣️Goals on Sunday 🏡 Each Sunday, @ourmortgagebroker will present a remarkable property featured on Rightmove in our weekly post called "Goals On Sunday." 👇 Comment below … Love It or Not For Me 📮 https://lnkd.in/ezeRwDmj 💷 Purchase price = £7,000,000 20% deposit = £1,400,000 Interest rate = 3.82% 35 year term Monthly repayment = £24,193.08 *illustration purpose only 👌🏽 Hodge Lane, Woodside, Winkfield, Windsor Forest, Windsor, Berkshire, SL4 📱 Knight Frank, Ascot & Virginia Water

📚 Essential Documents for Your Mortgage Application Got a mortgage advisor? Here’s what you’ll need to get started: 1. Income Proof: Recent payslips or tax returns (if self-employed). 2. Bank Statements: Last 3-6 months showing income/outgoings. 3. Credit Report: Latest from a credit reference agency. 4. ID: Passport or driving licence. 5. Address Proof: Utility bills, council tax, or bank statement. 6. Employment Details: Contract or employer confirmation. 7. Existing Debts: Info on loans, credit cards, etc. 8. Deposit Proof: Evidence of savings or funds. 9. Property Info: Purchase price, estate agent details. 💷 Have these ready to make the process smoother. #MortgageTips #HomeBuying #FinancialPlanning #Mortgages #MortgageBroker

😤 Impact on Borrowers 🤬 Approximately 1.6 million existing homeowners who benefited from relatively low fixed-rate mortgage deals have seen their terms come to an end this year. Additionally, hundreds of thousands of prospective first-time buyers have been eagerly looking to secure their first mortgage, hoping for favourable rates. Both groups would naturally welcome lower interest rates. 🤓 A fixed-rate mortgage keeps the interest constant until the term expires, usually after two or five years, at which point a new deal must be selected. For instance, a year ago, a borrower with a 40% deposit could expect an average interest rate of 6.16% on a two-year fixed-rate mortgage. 😍 However, by October this year, the average rate had decreased to 4.84%, as reported by financial service provider Moneyfacts. This drop is due to increased competition among lenders and the Bank of England’s first reduction in the benchmark interest rate in four years, implemented in July. What do you think the Bank of England will do in November?

🤝 Seize the Opportunity in Student Accommodation with Our Mortgage Broker 😁 The demand for student housing in the UK is on the rise, and landlords have a unique chance to benefit. By 2026, it’s projected that 2.2 million students will require accommodation in Purpose Built Student Accommodation (PBSA) or Houses of Multiple Occupation (HMO)—an increase of nearly 39% since 2021*. 🏘️ With this growing need, professional landlords and property investors can expand their portfolios while meeting the demand of the UK’s student market. 💚 At Our Mortgage Broker, we offer expert advice and tailored financial solutions to help you invest in PBSA or HMO properties. Whether you’re looking to diversify or scale up your portfolio, we’re here to support your journey. *Source: Market Research Analysis