Mortgages

“You get a company and people who are dedicated to helping you get to the end result.

Jenni
– Worcester Home Owner

SN Financial offer expert mortgage services to clients based in Worcestershire and the surrounding areas, providing advice on mortgage applications, re-mortgages and Help to Buy.

So, whether you are an experienced buyer or purchasing a property for the first time, we can help you find a perfect solution. Our team can also process product transfers, enabling you to stay with your existing lender whilst switching to their best deal.

Our team of experienced advisors believe that our customers do not want to be sold a mortgage, but simply wish to talk about their requirements and evaluate the best options available.

members of the team discussing mortgage services

As such, we offer a specialist range of mortgage advice including:

Adverse Credit Mortgages

Buy to Let and Investment Properties

Commercial mortgages

Equity Release

First time Buyers

Help to Buy and Shared Ownership

Home reversion plans

Product Transfers

Re-mortgages (including further borrowing)

Self-Building

mortgage adviser Gemma Brown on the phone

Why use our Mortgage Advice services?

Taking out a mortgage is a long-term commitment that can be complex and time-consuming, so seeking professional advice to help you with those important decisions can be invaluable.

Mortgage products and criteria change frequently, so SN Financial use sophisticated sourcing systems that differentiate the products available from different lenders. This allows us to determine the most appropriate product to meet your needs, whist striving to get you the most cost-effective deal.

What happens before submitting your mortgage application?

We will discuss your requirements to discover what is important to you

An assessment of affordability and how much you can comfortably borrow

Break down the process to give you a step by step guide to home buying/re-mortgaging

Discuss how you can protect your property, lifestyle, income or business when taking on a new mortgage liability

Compare different deals and benefit packages from a vast range of lenders, and source a suitable mortgage for you

Discuss recommendations that are based on your needs

Arrange a Mortgage in Principle on your behalf, to put you in the best position for you to start looking at properties

Recommend other professional bodies such as Solicitors, Accountants & Estate Agents to aid your transaction.

What happens once your application has been submitted?

We will liaise with you and your chosen lender. Checking documents such as payslips and bank statements before they are submitted to an underwriter

Work quickly to obtain your mortgage offer, providing you with regular updates and information on the application

Liaise between other parties such as your Estate Agent and Solicitor to ensure a smooth and swift completion

Arrange a protection portfolio to safeguard your new mortgage

Discuss other financial protection planning such as Wills and Power of Attorney

mortgage application files

Fees

SN Financials are committed to transparency and clear costs of service. To take a look at how our fees are applied and calculated, as detailed within our client agreement, please click below.

Need help or advice?