Looking for Mortgage Brokers in Southend On Sea - 15 Reasons To Call R3 Mortgages For Mortgage Advice
Looking for mortgage advice from a local independent mortgage advisor? If you are looking for straight forward , friendly advice then look no further than R3 Mortgages. Here are 15 reasons to choose R3 Mortgages as your mortgage brokers of choice for mortgage advice.
1) Local Expertise – Mortgage Brokers in Southend on sea
At R3 Mortgages, we understand the local property market inside and out. Our team have a thorough knowledge of the area, enabling them to offer tailored advice and find the best mortgage deal for you. By choosing a local mortgage broker like R3 Mortgages, you can be sure to receive personalised service that caters to your specific needs during your mortgage journey.
2) Independent Mortgage Broker with a Wide Range of Mortgage Options Offering Expert Advice
R3 Mortgages provides a wide selection of mortgage options from the entire market to suit all types of borrowers. Our clients range from first time buyers looking to get onto the property ladder, to those looking for a new mortgage. With access to the whole mortgage market, ranging from high street lenders to small regional building societies, we are not constricted to a small panel of mortgage lenders like some other firms when sourcing you mortgage product. Whether you are a first-time buyer, remortgaging, or searching for a buy-to-let mortgage, our specialist advisors can assist you in finding the best option. We collaborate with a large network of mortgage lenders to ensure that you have access to the finest prices available. As an independent mortgage broker based in Southend on Sea, Essex, we unbiased assistance, making sure that our clients always obtain the best mortgage options for their individual circumstances. Our dedication to objectivity means that we put your interests first, assisting you in obtaining the best mortgage terms and rates available.
3) Recognised Mortgage Experts
R3 Mortgages has been featured on Sky News as well as in renowned print publications such as the Sunday Times, Telegraph, Mail Online, Guardian, and Huffington Post.
Our Director, Riz Malik, also spoke on the mortgage market as a guest panellist at the London Institute of Banking and Finance Mortgage Conference.
Riz is a popular media pundit who is frequently asked for his thoughts on the mortgage market and is recognised in the mortgage industry as a mortgage expert. Our significant media presence and industry recognition help to cement our status as a leading mortgage brokerage offering professional financial advice in Southend-on-sea, Essex.
4) We research, advise and submit the whole mortgage application!
R3 Mortgages takes pleasure in providing our clients in Southend-on-Sea, Essex, and beyond with a thorough and all-encompassing service. From offering personalised advice to completing and submitting the entire application on your behalf, our skilled and experienced team handle the entire mortgage procedure. This comprehensive approach ensures that our clients have a pleasant, efficient, and stress-free experience. By handing your mortgage journey to R3 Mortgages, you can focus on what matters most - locating your dream home and planning for your future - while we handle the difficult complexities and paperwork. Our dedication to providing a smooth and hassle-free service distinguishes us as the premier mortgage brokerage in Southend-on-sea, Essex.
Riz Malik
5) R3 Mortgages Portal
R3 Mortgages prioritises the protection and privacy of our clients' information. We have built a secure mortgage platform for sharing papers and vital information with our clients in Thorpe Bay, Essex, and beyond to provide a simple and safe experience. Our secure platform provides various advantages, including the ability to conveniently upload and view documents, watch the progress of your mortgage application in real-time, and communicate confidentially with our team of experienced advisors. You can have peace of mind knowing that your sensitive information is secure by using our secure portal, while also enjoying a fast and speedy mortgage process. The R3 Mortgages secure portal is another indication of our dedication to providing great service and protecting our client's best interests throughout the mortgage process.
6) Client satisfaction
R3 Mortgages is committed to providing great customer service throughout your mortgage process. Our Southend-on-sea, Essex-based team are always ready to answer your questions, walk you through the application process, and keep you updated every step of the way. We take pleasure in our dedication to your happiness and work hard to make the mortgage procedure as easy and stress-free as possible.
7) Free Initial Consultation
R3 Mortgages understands that selecting the proper mortgage solution can be a difficult and time-consuming endeavour. As a result, we provide free initial consultations to all prospective clients in Southend, Essex, and beyond. You can discuss your financial objectives and mortgage needs with our skilled advisors without any commitment or pressure to commit by taking advantage of our free consultations. Our commitment to delivering free initial consultations reflects our goal to provide great customer service, and transparency, and make your mortgage process as easy and stress-free as possible.
First time buyers got onto the property ladder using R3 Mortgages.
8) Remortgage Service
Our remortgage service at R3 Mortgages is intended to assist customers in Southend-on-sea, Thorpe Bay, Leigh-on-sea and beyond find the right deal for their circumstances when their current deal expires. We use our knowledge to help our clients choose the best mortgage products for their needs including options from their own lender as well as the wider market. Our remortgage service simplifies the remortgage process and can potentially assist clients in lowering their monthly payments (when compared to the lender’s standard variable rate), obtaining better interest rates, and ultimately saving money in the long run. We work closely with a large network of lenders to find the best deal for our clients. Furthermore, our remortgage service can help clients who want to free up equity for home modifications or other financial goals. You can be confident in our commitment to assisting you in making the most of your property investment and guaranteeing a brighter financial future if you choose R3 Mortgages for your remortgage needs.
9) We do more than mortgages
Our expertise does not just stop at being a mortgage broker offering mortgage services. As property finance specialists, we can also help our clients with a range of other services. These include:-
Commercial Mortgages for Commercial Property
Insurance e.g life insurance, critical illness cover & income protection.
Bridging Finance
Equity Release
Second Charges
Loans for home improvements
Development Finance
Expat Mortgages
Shariah Compliant or Islamic Mortgages
Riz Malik quoted in the Southend Echo.
10) We work closely with other professionals
A number of other professionals refer clients to us including estate agents, developers, solicitors, financial advisers and accountants. They do this because they know we will do everything to secure the best deals available for their client’s personal circumstances and find the right mortgage lender. With your permission, we will keep all relevant parties informed during the entire process enabling a quick turnaround wherever possible.
11) Invest in the latest technology
To allow us to continue helping customers and find the right mortgage deal , we invest heavily in technology. This includes everything from our state-of-the-art client portal to the latest tools to help us research our client’s cases
12) We understand complex mortgage cases
Regardless of whether you are a first time buyer, home buyer or simply looking to re mortgage, some people have complex arrangements. Having over 20 years of experience in financial services and having successfully placed hundreds of complex cases over the years, we can usually find solution if one is available. Please arrange your free, no obligation initial consultation to discuss your own personal circumstances.
13) Experienced in dealing with self employed applicants
At R3 Mortgages, we understand that if you run your own business, your financial circumstances may not be straightforward. Through our thorough factfinding we will know which of the following ways to present your income to potential lenders :-
Salary and dividend
Net Profit
Salary and Net Profit (dependent on shareholding)
Salary and Profit Before Taxation
14) Find Solutions For Those With Low Credit Scores Or Impaired Credit History
Your credit history plays an important part in your mortgage application. However, there may be some instances where there have been the odd late payment or historic financial issues which could impact the number of options available to you. By having a large network of lenders at our disposal, we can use our knowledge and tools to ensure that you are not automatically limited to lenders who only accept impaired credit applications. This could potentially save you money.
15) We Build Long Term Relationships
Mortgages are a long term commitment. At R3 Mortgages, our aim is to be an invaluable resource for borrowers throughout their homeownership experience, assisting with refinancing and future property acquisitions. We want today's first time buyer to be tomorrow's remortgage client. Our business has grown predominately through referrals from satisfied clients who recommend our services to their friends and family.
16) You Can Utilise Our Network
Our team have decades of experience in financial services and has built a valuable network over the years. We can borrowers in touch with other specialists, such as accountants, solicitors or surveyors, to help them with the home-buying process.
17) Commitment to Educating and Informing
We understand that many things can impact the wider mortgage market. Recently, the market has majorly been impacted by inflation and interest rates. We regularly create content and blogs to ensure that our clients understand what is going on and how to potentially position themselves so they are aware of all their options.
18) Our clients are assigned a dedicated Case Manager as well as their own Adviser
Your mortgage adviser is available to give you mortgage advice and make recommendations based on your personal circumstances. However, our clients are also assigned a dedicated Case Manager whose role is to see your case to completion. This ensures that our advisers can concentrate on advice and our client services team can ensure your case is progressing as quickly as possible.
Topics and Common Questions
Is it worth talking to a mortgage broker?
We would say yes. Even if you have a good relationship with your high street bank, they will usually only discuss their own products and rates. As a mortgage company with independent mortgage advisers with unrestricted access to the market we have access to multiple lenders.
Is it better to get a mortgage from a high street bank or broker UK?
An independent mortgage broker with unrestricted access to the market will usually have access to the mortgage deals provided by mortgage UK high street banks. In addition, they can also have access to building societies, private banks as well as specialist lenders,
Are mortgages more expensive through a mortgage broker?
Mortgage brokers usually have access to the same product range that is available from the lenders. There are some lenders who only offer certain products directly to their customers. However, there are also mortgage lenders who offer exclusive deals via the intermediary channel which is how brokers submit deals to lenders.
How much does it cost to speak to a mortgage advisor?
At R3 Mortgages, your initial consultation with one of our mortgage advisers , is free and without any obligation. Should both parties decide to proceed thereafter, you will be notified of our terms and relevant fees.
What is the difference between a solicitor and a mortgage advisor?
There are many parties that work together during a house purchase. These include the estate agent, mortgage adviser and solicitor. The role of a mortgage broker or mortgage adviser is to secure the funding for the property. The solicitor or conveyance will do the necessary legal work needed to acquire the property.
Are mortgage advisors worth it?
We like to think so. Many of our clients are busy professionals with limited time on their hands. Using the services of a mortgage broker can save you time and stress during the house buying process. Many of our clients return to use for additional purchases or refinancing.
Are all appointments in person & face to face?
We understand that our clients lead busy lives. We offer a range of meeting options including in-person, or virtually depending on your needs and availability.