Thu 28 Sep 2017
Good news for buyers needing a mortgage, rates are at an all-time low according to independent mortgage advisor Adam Sentance
Since the recession we have seen tighter controls on mortgage lending with more stringent affordability checks on house buyers, however lenders seem to be in a lending frame of mind and are beginning to loosen their purse strings by offering their lowest mortgage rates yet.
Adam Sentance, Independent Mortgage Advisor at Apt Financial Management believes now is a good time for buyers, however he advises "deposit is king, with a higher deposit buyers can get better rates."
The biggest example of this is the difference between a 5% and 10%.
"With a 5% deposit you are looking at rates of around 3.9%, whilst with a 10% deposit rates can start from just 1.9% which is a huge difference". says Adam.
How to find the best mortgage deal?John German Estate Agents work alongside Adam and the team at Apt Financial Management will use their years of expertise to help you find the mortgage most suitable for your needs.
- Search the whole market - not tied to a panel or small list of lenders
- No broker fee or charges to pay
- Home appointments including outside of office hours
- Same day appointments/telephone appointments
- Speedy results, mortgage offers usually within a week
"I can definitely recommend John German Estate Agents in Ashbourne to sell your house. I received a fantastic personalised service, which was second to none. The brochure they produced of our property, provided prospective purchasers with excellent photos of the house both internally and externally, as well as highlighting the key features in each of the rooms; the professional services of an independent photographic service accentuated the main selling points. The customer service experience was first class, with regular updates about the sale. It took away all the stress associated with moving house, and they dealt with everything as part of their inclusive expert after sales service. I was pleased that this was all included in their competitive pricing and found them giving good value for money. "