Buying a home is a huge decision. It’s one of the biggest financial commitments we make, which is why finding the right mortgage is so important. Our advisers in Bolton are here to assist with this, as we help you navigate the wide range of mortgage products on the marketplace. From buying your first home to finding a better remortgage deal, our local advisers are on hand with helpful, jargon-free advice.
Why choose a Mortgage Broker in Bolton
If you’re looking to buy a home in or around Bolton, CS Mortgages can make it easier and less stressful. Our team has lived and worked in the area for years and we know Bolton’s housing market inside out.
Whether you’re ready to make an offer on a property, need to remortgage or are just starting out as First Time Buyers, we’ll help you every step of the way.
What does a Mortgage Broker do?
A Mortgage Broker or Advisor is here to help you understand all the details of getting a mortgage deal and buying a home. We will explain how much you can borrow and all the costs involved in purchasing a property. Once you’re ready to buy, we search across hundreds of mortgage products to recommend suitable deals.
We’re a great source of impartial and independent local mortgage advice. We support any kind of client – First Time Buyers, people moving home or those looking for a Buy to Let mortgage. We also work with many Self-Employed people who operate in all kinds of trading styles.
Our initial, free mortgage service will help you understand the various steps in the home buying process and what to expect.
What are the benefits of using a Mortgage Broker?
You might wonder whether it makes financial sense to talk to a Mortgage Broker or just visit a high street bank. The main difference is that banks can only talk to you about their own products – which may not be too competitive.
Meanwhile, an independent Mortgage Broker gives you a much broader picture. We compare hundreds of products from a wide range of mortgage providers. Among these will be specialist lenders who don’t always sell direct to the public.
Our efficient service will make sure you gain access to competitive interest rates, affordable repayments and a deal that suits your needs.
What services are offered by a Mortgage Broker?
We’re here to help you at every stage of the process to buy a home, from getting an agreement in principle through to completing your mortgage application and getting a loan. An important part of this is using a mortgage calculator to confirm how much you can borrow, what deposit will be best and how much your mortgage repayments could be. This helps you set your property budget.
If you want to explore different types of mortgage we can help with that too. We’ll explain fixed rate, tracker rate and variable rate products, interest only or capital repayment and how they might suit your specific situation. First Time Buyer mortgages are a real speciality of ours.
You might also want information about other financial services products to protect you and your Bolton property for the long term. We will talk you through the mortgage protection insurance options like life insurance, critical illness cover, home insurance and income protection.
You might be surprised by the level of support you get from us. We join your team and offer advice at every step. We can help you decide how much to offer on a property, chase up estate agents and solicitors for you and anything else to make the purchase go smoothly.
And, because we’re well established in Bolton we can put you in touch with local experts for anything beyond our range of services.
Why buy a home in Bolton?
Bolton has been around since the 14th century when it became a renowned Mill Town. It’s part of Greater Manchester and has good transport links into the city for commuting and days out.
It’s a great place to buy property as prices are very low compared to the UK average. There’s a wide range of property types and areas. The cheapest places to buy are Heaton, Tonge Moor, Clayton and Great Lever, while the most expensive surrounding areas include Egerton, Altrincham and Lostock.
Bolton is close to the West Pennine Moors for those who enjoy the great outdoors, and its University has improved the city’s nightlife as well as its educational opportunities.
What are the benefits of using a local broker?
At CS Mortgages we’re very familiar with the best areas and the most desirable locations Bolton has to offer, and whether the prices on offer are fair.
We’ll also be able to tell you if your purchase is taking longer than usual, or if you need to worry about what’s happening in your chain. Our experience of the Bolton housing market is something our clients really appreciate. Plus, we are a friendly, knowledgeable team – so contact us today.
CS Mortgage Solutions is a trading name of CS Financial Group Ltd, a Limited Company registered in England & Wales no. 10731629. CS Financial Group Limited is an appointed representative of Openwork Ltd, which is authorised and regulated by the Financial Conduct Authority.