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Mortgage Expert
for
Mortgage

Are all mortgage brokers the same?

Mortgage Broker, Adviser

 A wide range of mortgage and protection services

Here’s some of our range of mortgage and protection services we provide to meet our unique customer’s needs. If you don’t see your mortgage or protection need in the list, just get in touch and we are confident that we will find a solution!

First Time Buyer

Remortgage

Moving Home

Buy to Let

Let to Buy 

Buy to Sell

Self-Employed Mortgages

Bad Credit Mortgages

Part and Part Mortgages

HMO Mortgages

Self Build Mortgages

Help to Buy 

Right to Buy

Specialist Mortgages

Shared Ownership

Second Charge

Guarantor Mortgages

Contractor Mortgages

Foreign National Mortgages

Commercial

LTD Company Mortgages

Bridging Loans

Auction Finance

Refurbishment Finance

Protection

Life Insurance

Home Insurance

Critical Illness

MPPI

Income Protection

 

Whole of Market Mortgage Broker

Tailored, Professional Mortgage Advice made to fit your circumstances and needs.

B&D Mortgage advice provide professional, specialist, whole of market mortgage advice. This means thousands of mortgage products from over a hundred lenders. Our service is a bespoke, one-to-one mortgage advice service to assist you in obtaining a mortgage for your property with the least stress and most comfort.

We can assist with the following mortgages: First Time Buyer, Moving Home, Buying a new home, Remortgage, Commercial, Semi Commercial, or Buy-to-let portfolio.

Why B&D Mortgage Advice?

We will search and recommend you the very best mortgage for your needs. This is what we specialise in. We have access to the entire market, and are able to choose the best mortgage option to ensure we find the most suitable mortgage product based on the principles; Your needs and circumstances, any special requirements you may have and the most suitable timescale for your needs. 

We are able to provide advice and organize the mortgage process from beginning to end. Our method ensures your mortgage is arranged without notable interruption to your day to day life. We are passionate about assisting and providing service through the process of obtaining your mortgage, from the decision in principle, to an offer, through to the exchange of contract, and right on to property purchase completion.

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Countrywide Bespoke Mortgage Advice

Mortgages via Telephone

We know that there is a great deal happening when purchasing a property. This is the reason we offer the choice of a telephone communication option from beginning to end of the mortgage process. Telephone option will enable you to receive our expert service regardless of where you are based. We provide countrywide service, no matter where you are based we are here to help.

Online Mortgage Enquiry

Start your mortgage application journey from the comfort of your home. Fill our contact form and let us start working on your case straight away.

Face to face

A warm, tailor made assistance is at the core of all that we do at B&D Mortgage Advice. We love meeting with individuals and becoming acquainted with their story, and with their dreams. Just contact us to arrange fact to face meeting. (This option is only available for clients based in London)

 

We’ll Find the Most suitable Mortgage for Your needs!

With access to thousands of mortgage products from over a hundred mortgage lenders, we will find the most suitable mortgage for anyone. No matter what your circumstances, needs or timeframe, we are in a position to find your ideal mortgage. Contact us now and see how we could make your life easier.

Protection Advice for You and Your Family

There are numerous issues and errors that we see very frequently, which cause individuals to fall into financial problems. An aspect of our service at B&D Mortgage Advice is to make you mindful of these, and make recommendations should they happen. We will provide you with the most suitable protection advice to make sure you enjoy your home with peace of mind.

Our mortgage service is 100% free. Like all brokers in the market, we get paid by lenders. Unlike many brokers, we won’t charge you a fee on top of that. We are Fee-free Independent Mortgage Broker

How it works

Simple steps to securing the best mortgage deal

Step 1 Get in touch

Your initial step is to make contact and have a discussion with a trusted and experienced mortgage broker. We will have an informal talk with you. This is typically done via telephone and we examine your mortgage needs, plans and basic insights concerning your finance position. This call will be around 20 minutes and in this time, if required, we may give you an indication of the amount you may be able to borrow, the available mortgage products and the related costs associated.

Step 2 Fact Find 

At this stage you will receive our company’s introduction pack and GDPR permission document. Once we have the required GDPR permission from you ,as well the client agreement form, we will complete the Mortgage Fact Find Questionnaire. The Fact Find provides us with required information about you, including your pay and expenditure, which shapes the foundation of your application and permits us to offer you the best mortgage advice. 

Step 3 Research, Present

The next stage is to provide you with our advice; during the conversation, we will discuss your needs and circumstances and provide you with bespoke mortgage advice regarding the different options available to you. We will then search the whole mortgage market and give you a personal recommendation regarding the most suitable mortgage for your needs.

Step 4 Decision in Principle

The following stage is to apply for a decision in principle from the lender, which we will sort out on your behalf. In the event that the DIP is successful, and you have a property to purchase or remortgage, we, at that point, prepare and submit your application to the bank. At this point a B&D Mortgage Adviser will work closely with the bank to make sure your application is approved. We will be dealing with underwriting enquiries. The lender will evaluate your mortgage application and complete a survey on the property. 

Step 5 Offer

Once the lender is happy with each item, you will receive the offer. Your B&D Mortgage broker will inform you once offer issued. Your B&D Mortgage broker will track and manage your case. We will be working with you and your property solicitor until the purchase completion. At this stage just sit back, relax and let us do the work for you. Once the offer is received, your finance is sorted on your purchase or remortgage.

Step 6 Completion

In the case of a remortgage, on the day of completion, the mortgage is moved from your current lender to the new lender. In the case of buying a home, on the day of completion you collect the keys and start moving in! However, we are not saying goodbye! We would love to stay in touch in the future (with your permission) to assist you with the best mortgage deal when the mortgage deal expires or when you want to buy your next property.

Some of the lenders we work with

We use unbiased algorithms to search lenders and thousands of mortgage deals to find the best mortgage for you. We have access to the whole market mortgage lenders including…

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Expert mortgage advice tailored to you

Ready to talk things through?

CALL OUR EXPERT ADVISER NOW

020 3442 0160

Legal Information & Disclaimer

This site is an information only site. All of our articles are written by authorised mortgage brokers for the only aim of providing great, useful, mortgage related information. We intent to offer the best possible suggestions and guides however can’t always guarantee to be perfect, please use the information at your own risk. We can’t accept responsibility if things go wrong. Please email us at [email protected] if you see anything that requires changing and we will do so as soon as possible.

** The content provided in this page is correct at the time of writing. Mortgage lender’s qualifying criteria and rules change frequently so speak to a B&D Mortgage adviser to confirm the most up to date rules and criteria. The content on the website is not specific advice to each reader, and does not constitute financial recommendations. We are authorised by the FCA to give professional mortgage advice. Please get in touch if you wish to receive a tailor made advice for your mortgage needs.

*The FCA does not regulate some types of buy to let mortgages.