To help you assess your affordability, your mortgage adviser will guide you through completing a budget planner. This tool takes a detailed look at your income and expenses to ensure your numbers are realistic and accurate. It will clearly outline how much you can comfortably spend each month on your mortgage, while also highlighting any potential savings opportunities.
Your mortgage payment will likely take up a significant portion of your monthly income. It’s crucial that both you and your mortgage adviser are confident that the budget is realistic and manageable. We’ll also help you plan for potential future changes, such as increases in interest rates, so you can remain financially secure.
When you are ready, the next stage is to apply for an ‘In Principle’ Decision. We’ll submit an application to your chosen lender to receive an initial decision, giving you a clear idea of how much you can borrow and a certificate you can show to estate agents, proving you can raise the required funds.
At South West Mortgage Brokers, you get your own dedicated mortgage expert. We cater to everyone—from first-time buyers and those looking to remortgage to experienced buy-to-let landlords.With our extensive experience and cutting-edge technology, we analyze the whole market, break down the small print, and explain the pros and cons of each product, making your mortgage journey smooth and straightforward. Our industry contacts, expertise, and relentless commitment ensure a hassle-free process from initial advice to mortgage completion.
Unlike high street banks that offer limited products or estate agents tied to specific lenders, we provide access to the entire mortgage market. This means we can find the best mortgage deals tailored to your circumstances from all available lenders.
With over 25 years of experience in the mortgage industry, our knowledge is unmatched. We continuously update our insights to provide you with the most accurate and beneficial advice, keeping you ahead of market trends.
Our independent mortgage advisers are trained to the highest standards and are dedicated to client satisfaction. Over 95% of our customers report being either extremely satisfied or very satisfied with our services. Your feedback matters to us, and we aim for 100% satisfaction in every interaction.
Independent & Whole-of-Market – We search the entire market to find the deal that’s truly right for you
Expert, Personal Service – Clear advice, no jargon, and support from your first call to completion.
Local Knowledge, National Reach – Based in Exeter, helping clients across Devon and the UK.
