New Mortgage Brokers

There's a different kind of mortgage broker on the block, and they're
giving conventional mortgage brokers a run for their money. With today's
current economy, consumers have to be as budget conscious as ever, and it's
showing in every consumer decision they make - including shopping for a
mortgage.

Gone are the days where the consumer waits with baited breath as to whether
or not the corner mortgage broker can find financing for the home they want
to buy.

Say hello to today's new mortgage seeker; the one who has lenders competing
for their business, makes educated lending choices and is making upfront
mortgage brokers more popular than ever. So what is an upfront mortgage
broker? The main difference between an upfront mortgage broker and a
conventional mortgage broker is that an upfront mortgage broker discloses
their fees to the borrower up front and in writing.

The borrower will pay the broker a fee in addition to paying the wholesale
loan price. With conventional mortgage brokers, borrowers don't know the
true cost of the loan until after the application has been submitted. The
conventional lenders add a markup to the wholesale rate of the mortgage to
make their profit. While on the surface it may seem like the prices quoted
by upfront mortgage brokers compared to the quotes received by conventional
lenders would not be the wise choice, don't be fooled.

The quotes you get from an upfront mortgage broker will be an accurate
reflection of what you're really going to pay. Just because a conventional
mortgage broker promises you the moon, does not mean that he can actually
deliver it. There are other reasons that have conscious consumers choosing
upfront mortgage brokers over the traditional conventional brokers.

While conventional mortgage brokers don't always have the best interests of
their customers in mind, upfront mortgage brokers gain nothing by providing
their borrowers with anything other than the mortgage that best suits their
needs.

There are also times when mortgage brokers are given rebates by third
parties. While a conventional broker may keep this rebate as a part of their
profit, an upfront mortgage broker will always pass this rebate on to the
borrower.

With consumers appreciating honesty and no-nonsense approaches when dealing
with their lending needs, upfront broker methods may just change the face of
mortgage lending forever.

Contact a mortgage advisor in three easy steps...

Submitting Details...

Step 1 of 3

About your mortgage

Are you looking to: How much would you like to borrow? Buy a property Remortgage a property Buy a property to let     How long do you need the mortgage for? 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years 30 years 40 years 50 years   Proceed to step 2.

Step 2 of 3	About your mortgage
Estimated property value?   Are you a first-time buyer? Yes No   Do you need to self-certify your income? Yes No   Have you: Had a CCJ or Default registered against you? Missed one or more secured loan or mortgage payments in the last 12 months? Been declared bankrupt or had an IVA? Proceed to step 3.

Step 2 of 3	About your mortgage
Estimated property value?   How much would you like to borrow?       Proceed to step 3.

Step 3 of 3

Your details

First name: Last name:     Phone number: Alternate phone number:     E-mail address: Date of birth:   -- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 -- January February March April May June July August September October November December ---- 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989   First line of current address: Current postcode:     Based on your requirements we have selected the FSA regulated broker Broker Name to help you with your enquiry. Please click SUBMIT to confirm that you are happy for them to contact you by telephone/e-mail.

Finished

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...and speak to an independent mortgage broker today.