Mariannafs
Location
Watford, Hertfordshire | United Kingdom
Job description
How can we help? Remortgage Purchase
1 Talk to us
Call us, connect on WhatsApp or request a call-back. Let us understand you little more to find the suitable mortgage deal.
We will scan whole of market to get you the best possible mortgage deal suits your requirements & circumstances.
3 Secure the mortgage.
Once we find right mortgage we will submit mortgage application. We keep you updated as we progress towards mortgage offer.
Buying a property in Watford for the first time comes with its own set of challenges. As a first-time buyer it is confusing not to know the property market well and the process of buying home. Instead of navigating the market alone, allow our licensed professionals to get you the most suitable first-time buyer mortgage deal for first home.
We resolve all your queries and clear all your confusion about climbing Watford’s property ladder. Rest assured form getting the agreement in principal to find a conveyancer to work on mortgage we will guide you along the way till you turn the keys.
Many first-time buyers are unaware of the terms use while purchasing the property. We will try to keep it as simple as possible try not to use Jargons
MariannaFS do not charge any broker fee for our services. While other mortgage brokers charge fees, but we offer our services fee-free with excellent five star customer service.
PERSONALIZED ADVICE
We provide you with mortgage advice that is tailored according to your specific needs and preferences. Our team is approachable & will provide you personalized assistance.
MORTGAGE PROTECTION
We can advice and arrange insurances related to your mortgage. With access to market leading providers, we will arrange insurance for you & love ones.
SKILLED & EXPERINCED
MariannaFS have a team of experienced mortgage brokers . Our professionals are fully qualified with access to resources in the market which helps to find right mortgage..
SOLICITOR RECOMMENDATIONS
At MariannaFS on the basis of your needs and preferences, we would recommend the solicitors to handle matters regarding property conveyancing.
STAY CONNECTED
By associating with MariannaFS you would never lose touch with us. We try our best to be there for you at all times and stay connected via mobile and email.
Why use an independent mortgage broker?
How do you ensure the best mortgage rates for clients?
Why do buy-to-let mortgage lenders demand a bigger deposit?
Is your independent mortgage advice limited to first-time buyers?
How much do I save with your fee-free mortgage services in Watford?
Should I be remortgaging my house after the fixed term has ended or before?
what other Government schemes suitable for first-time buyers after help-to-buy?
If you wish to get on Watford’s property ladder for the first time or need to remortgage your home or looking for better rate for buy to let mortgage, it is important to seek professional help form mortgage broker. MariannaFS are one of the best mortgage broker Watford has.
We can help you get the best mortgage deals according to your financial circumstances. Our team of fee-free mortgage brokers & advisers scans the whole market to find best mortgage rate and connects you with lenders who have the most suitable deals for you.
Bringing years of industry experience to the table, we assess your affordability, income, credit score, and overall financial circumstances to give you personalised deals. Once we know your circumstances, we will prepare the case to research the right mortgage deals.
Whether you want to buy a new home in Watford, get a buy-to-let property mortgage, or thinking of remortgage home early in Watford let us help you with your mortgage. Conventional high-street lender is right for you or you need a specialised lender to get a mortgage with bad credit , we help you navigate all situations.
Buying a property is one of the most expensive purchases which should not be done without advice. Our Independent mortgage advisers are experience and qualified professional. Our mortgage advice helps all kinds of mortgage borrowers get the deals they are looking for. From first-time buyers’ mortgage to remortgaging property or company buy to let mortgage to remortgage with bad credit, we use our expertise to cater to all your requirements.
It is common for mortgage borrowers to have their applications rejected for matters related to bad credit, self-employment, and much more. If you are dealing with such issues, you can reach out to us, and our specialist mortgage brokers will find you suitable deals. We scan the whole of market to connect our clients with specialist mortgage lenders ready to extend their helping hands.
Our services are not limited to getting you the best mortgage deals in Watford. We intend to make your property purchase more secure by helping you get the right home insurance and life cover. A home insurance policy will cover the damages caused to the property you purchase on a mortgage. A life cover plan will extend a financial helping hand to your family in the case of your demise or if you encounter a critical medical illness.
Our mortgage advisors will suggest plans that best suit your needs, giving you complete financial security along with the property purchase.
It is been reported government is planning to introduce new 99% LTV mortgage with 1 % deposit to help first time buyer to be on the property ladder.
While buying a property is a dream come true, many self-employed individuals find themselves worrying about getting mortgages.
If you live in the UK and are still on a VISA, you can purchase a property on a mortgage, even if you do not have an ILTR (indefinite leave to remain).
As of the August of 2023, the Bank of England has increased its base rate for the 14th consecutive time, making it more difficult for borrowers to get good mortgage deals. The current base rate of 5.25% is the highest it has ever been since March 2008. Speaking of high rates, the average two-year fixed mortgage rate in the UK is now at 6.85%, crossing the peak of 6.55% in October.
APRC refers to the annual percentage rate. As the name suggests, it is the rate of interest a lender charges for their loan on an annual basis. This interest is often associated with financial instruments like credit cards, loans, mortgages, etc. It lets the borrowers know how much interest they will be charged for the amount borrowed annually.
In simple words, a credit score is a number that represents your creditworthiness.The number is given to every citizen of the UK above the age of 18, making them eligible for financial borrowing.Your credit score plays an important role in financial lenders approving your applications and lending you money. The higher your credit score is, the better your profile looks to a potential lender. High credit scores often convince lenders to lend money. On the other hand, a lower credit score may increase the chances of declining your mortgage applicationWhile every lender uses different methods to calculate your credit score, all of them use information obtained from three major credit reference agencies – Experian, Equifax, and TransUnion. These agencies work with building societies, banks, retailers, mobile phone companies, and other relevant entities to help them decide if a borrower is capable of repayments.
When you are getting a mortgage to purchase or remortgage a property, the rate of interest and the deposit to be paid are the two most important factors that influence your decision. Both these factors decide the repayments you would be required to make over time.Another highly important factor that dictates your choice and influences the two factors mentioned above is loan-to-value (LTV) or the LTV ratio. Every mortgage lender takes LTV into consideration before offering a suitable mortgage deal to the borrowers.So, what is loan-to-value?
Especially in the case of first-time buyers, people choose to purchase properties with their friends or partners. This helps them reduce the deposit paid by each individual and increases the amount they can borrow. While most people choose to partner with one other individual, it is possible for up to 4 individuals to be legal owners of a property.However, confusion between Tenants in Common and Joint Tenants is common when it comes to joint ownership. If you are planning to share the ownership of a property you purchase, it is important to understand whether you should go with Joint Tenants or Tenants in Common.
Conducting a house survey is one of the many important assessments that need to be made before going ahead with the purchase. Depending on the situation, property, and preferences, you can choose from the many types of building surveys available to you.What is a house survey?As the name suggests, a house survey is an assessment of a property before it is purchased. While purchasing a house, you may need to conduct multiple surveys, such as a homebuyer survey, physical valuation for getting a mortgage, structural surveys, etc.
West Link House,
981 Great West Rd,
Brentford TW8
9DN
Marianna Financial Services is authorised and regulated by Financial Conduct Authority under the FCA financial services register number 925226 in respect of mortgage, insurance and consumer mediation activities only.
Company registration number 12485005. Register in England and Wales. Register office : WEST LINK HOUSE,981 GREAT WEST ROAD, BRENTFORD, TW8 9DN
The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based within the UK.
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