Mortgage FAQs

Why should I use a Mortgage Adviser?

The benefit of engaging the services of a mortgage adviser is that it will ultimately save you time, effort and money ensuring that the most suitable mortgage deal is found for you!

What does a mortgage broker do?

A mortgage broker is essentially a mortgage adviser who is not tied to one specific lender. There are hundreds of lenders that offer mortgages, each with their own criteria/rules, products and interest rates. For this reason, a mortgage broker has experience and knowledge to make sure that they explore which lender will allow you to borrow your required amount, which one will accept your circumstances and which one offers the best product taking in to account fees and charges.

A mortgage broker will usually have access to lenders that are on the high street, but also those that are not. This means that you do not have to do the running around.

What types of mortgage adviser are there?

There are generally 3 types of mortgage adviser to consider:

  • A Tied Adviser will usually work for one lender and only have access to their products. As an example, this could be a Mortgage Adviser in your local Bank or Building society.
  • A Multi-tied Adviser will usually have access to a specific panel of lenders or products. As an example this could be a Mortgage Adviser in an Estate Agency.
  • A Whole of Market Adviser will have unrestricted access to the whole of the mortgage market. As an example this is an adviser at Burnett Mortgages.

When choosing a mortgage adviser it is important to know which type is right for you.

I have bad credit; can I get a mortgage?

This will all depend on the timescale, type and severity of the bad credit. The good news is that there are many mortgage lenders that will consider adverse credit; such as CCJ’s, Defaults, IVA’s, Arrears and previous bankruptcy. This is something that Burnett Mortgages can explore for you!

My Self-employed business has been impacted by Covid-19, can I still get a mortgage?

It all depends on your personal circumstances, but the simple answer is Yes! We have been helping our self-employed clients throught 2020 and into 2021 and can discuss your personal circumstances, we can also help you if you have only been self-employed for 1 year!. This is an example of where a Mortgage Broker can help. Have a look at our Self employed mortgage page here.https://burnettmortgages.co.uk/services/self-employed/

I only have a 5% Deposit; can I still get a mortgage?

At the moment most lenders have restricted mortgages of this type, however with the recent Government announement of the Mortgage Gurantee scheme, we expect these to return in April 2021. Here ar Burnett Mortgages can discuss your individual circumstances and explore your options and will have access to these deals as soon as they become available!

I am not a UK national; can I get a mortgage?

When considering whether to approve your application lenders will look at the length of time you have lived in the UK, the type of Visa that you have and the credit history that you have accrued in the UK. We can help discuss your needs and provide you with the answers before making an application.

How long does it take to buy a house?

The process of buying a house typically takes 6-12 weeks depending on the other parties involved.

What Our Clients Think Of Us

  • “Where do I start! Simon has been brilliant to me and my partner and did everything in his power to help us secure a mortgage. Brilliant, friendly person who is willing to go the extra mile. He’s willing to travel to your home to help submit your application and works round what’s best for you.”

    Brendan – January 2019

  • Very professional, honest and always at the end of the phone to guide you through everything you need. 100% recommend to anyone. Extremely happy with the service and will use for many years to come.

    Steve Fairhurst – December 2020

  • “Simon helped us buy our new home in 2016, our mortgage is up for renewal and there was no question who we were going to use! Absolutely perfect customer service, very friendly and helpful. 5 star service I would recommend to everyone.”

    Ashley

  • “We came across Simons website when we were searching for a local mortgage broker. We had just had our mortgage declined from a bank because I only had one years accounts. I emailed Simon and had a response from him within the hour, he said he’d try his best to help us out. He phoned us a few days later to talk about our situation and why we had our previous mortgage declined. With us being first time buyers we were stressed out and we didn’t want to loose a house that we had fallen in love with. Simon made sure that he gathered as much information as possible from me and my boyfriend and found a mortgage and had it accepted within a week or so. I would recommend him to anyone who is struggling to get a mortgage, he’s very down to earth, friendly and professional and we will continue to use him if we ever buy another house in the future!!.”

    Megan – February 2021

  • “Great guy. Hugely helpful from start to finish in a very complicated house buying situation. Thanks Simon!”

    Victoria

  • “A true mortgage professional. Great service, with the customer at the heart of his advice. Simon is a credit to the industry if you want a fantastic service and your mortgage made easy. He is your man. Simon, thank you, I am not easy to impress and I am over the moon.”

    Tina

  • “A great service was provided to us by Simon, our move wasn’t the most straight forward however Simon statyed with us all the way, a professional all the way through. Can’t thank him enough for his help, will be using his services when it comes to remortgaging.”

    Luke

  • “Simon was really helpful and efficient, ensuring that our remortgage was sourced and in place in approximately a month. Would definitely recommend, thanks Simon.”

    Julie

  • “Simon is very professional and a genuinely nice guy who will go out of his way to help you, highly recommended.”

    Heather Cooper

  • “My girlfriend & I were left in a tricky spot after our mortgage application was declined having already had an offer accepted. As a first time buyer this was very stressful but Simon consistently reassured us throughout the process. He was extremely responsive to all questions and sorted us a mortgage with a better rate than any other we could find online in less than two weeks. We will definitely be using his services & we can’t recommend him enough!.”

    Nathan – February 2021

  • Simon was excellent from start to finish and in very unusual circumstances. He dealt with our mortgage managing to get us the best deal possible in a time of economic uncertainty and made sure our life insurance was up to scratch too. Despite not being able to be in face to face contact due to restrictions imposed at the time communicating was simple, regular, supportive and effective. He was easy to talk to and happy to deal with questions. He certainly went above and beyond to get us relocated and was excited for us even sending us a congratulatory gift. We will most certainly be returning when it is time to remortgage.

    Alexis – October 2020

  • “Simon gives 100% in all aspects of his work. Highly recommended.”

    Rick

  • “Highly recommended! Great professional.”

    Danny

  • “Don’t know where we’d have been without Simon during the most stressful house purchase ever! An absolute rock throughout We would recommend to anybody looking for a mortgage. Absolute first class”

    Becca

  • “A very honest, genuine, hard working individual.”

    Craig

  • “First time I had to remortgage. Simon was great with all the advise he had to give me. Brilliant customer service. Will help out the best he can. Replies to all your messages and questions you have for him. Top man, thanks a lot.”

    John

  • December 2020 “This is our second re-mortgage using Simon and on both occasions he has provided us with a first rate service. Personable, responsive, kind and extremely good at his job. I highly recommend him and will continue to use his services as long as he’s offering them!

    Also a thank you to Paulina, who has recently joined Simon’s team and kept in regular touch throughout as well as being very friendly and efficient.”

    Juliette Prosser

  • “Simon is very professional and will always find the best deal to suit your needs. Don’t hesitate in giving him a chance.”

    Shirley

  • “Simon provided a professional and personalised service from start to completion. He offered consistent support and guidance to a first-time buyer with little experience of the proces, ensuring a comforting and supportive experience throughout. Would highly recommend!”

    Sam – March 2020

  • “We have found Simon to be a most helpful mortgage adviser. He is knowledgable and listens to clients’ requests and needs. He is very prompt in communication and always goes that extra mile to help. I would have no hestitation in recommending him for mortgaging advice.”

    Suzanne

  • “I cannot recommend Simon enough. He is professional, trustworthy, caring and knowledgable. Simon arranged both our mortgage and our protection. Unfortunately, we found ourselves in a position where we had to claim on the critical illness cover. Without his advice and cover we would have found ourselves in a sorry state. His attention to detail and no-nonsense approach to explaining each product ensured that we were covered. He has eleviated a huge financial burden at a very stressful time. I can’t recommend him enough. I will never use anyone else. This man really does go above and beyond.”

    Nicki – December 2018

  • Simon took on a challenge for my daughter – less than two months into a new job with time off on sick for Covid testing, turned down elsewhere, and not only found a mortgage that was 25% more affordable, but got it over the line within a week. Thank you – you’re a legend!

    Guy Nottingham – January 2021

  • “We contacted Simon originally for some advice and I’m glad we did, from start to finish through our mortgage applications Simon was there for any questions we had. He wasn’t pushy with any of the options and he was definitely knowledgable about what he was doing. He made the whole thing a lot easier for us, we would definitely recommend him and look forward to working with him in future.”

    Samantha

  • “Moved into our first home today after the incredible support from Simon. Hasn’t been a simple journey, with obstacles in our way (from seller and seller solicitors) but Simon was consistent throughout and was availiable at all times of day during the week to make things as easy as possible. Always worked around our awkward schedule including house visits on a Friday night. Can’t recommend him enough. Thank you so much Simon!”

    Jessica

  • “Simon helped myself and my partner re-mortgage our home recently. It wasn’t straightforward for various reasons, but Simon did everything he could to secure us a good deal – and he did a huge amount of work to make it happen, which it did. He was very professional but also friendly, enthusiastic and caring. His service was excellent on a technical level but more his personal approach made what was quite a stressful process so much easier. He cares about his customers and that shows in everything he does. I highly recommend Simon – he is trustworthy, knowledgable and a genuinely decent person, which is a rare combination!”

    Juliette – November 2018

Request a Callback

Please call us on 01302 436333 or email Burnett Mortgages for a no obligation conversation.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Not all Buy to Lets are regulated by The Financial Conduct Authority.

As with all insurance Policies conditions and exclusions will apply.

You may have to pay an early repayment charge to your existing lender if you remortgage.

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £399.

Burnett Mortgages Limited is an Appointed Representative of Stonebridge Mortgage Solutions LTD, which is authorised and regulated by the Financial Conduct Authority. Registered Office : Burnett Mortgages Limited, Gresley House, Ten Pound Walk, Doncaster, South Yorkshire. DN4 5HX. England. Registered Company Number : 11224301. Registered in England and Wales.

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