top of page

Mortgage Advice
Mortgages Made Simple

​

Let's Get You Moving

 

Whether you’re buying your first home, moving home, buying a rental property or re-mortgaging MMS will recommend the available solution to suit your needs.

​

1st time buyer icon.png

FIRST TIME BUYER

Applying for your first mortgage can be quite daunting but no need to worry! We're here every step of the way to ensure you understand everything. We can negotiate and put offers in on your behalf, we deal directly with the solicitors so you don’t have. We keep you updated throughout the whole process and keep paperwork to a minimal. 

money bag house icon.png
favpng_money-bag-pound-sterling-currency-symbol-pound-sign.png

RE-MORTGAGE

If your current rate is coming to an end, you want to consolidate debt or raise funds for home-improvements we can find you the right deals available to you. We work from a comprehensive panel which is representative of the whole of the market.

​

Debt consolidation is not always the most suitable option, consolidating debts must be carefully considered. It will usually mean more interest over a longer repayment term and there may also be early repayment penalties on your current mortgage. You should think carefully before securing other debts against your home.

HOME MOVER

home mover - mortgage advisor in Boston Lincolnshire_edited.png

If it is time to look for your next home, we are here to guide you through both the processes and options available to you. 

house heart money protection insurance.png

BUY TO LET MORTGAGES

If you are a first time or an experienced landlord, we are here to ensure that we get you the ideal, most cost effective deal for your investment.*

*The Financial Conduct Authority does not regulate all Buy to Let mortgages. 

help to buy icon.png

AFFORDABLE HOUSING SCHEMES

Shared Ownership, Deposit Unlock. We can talk you through any current schemes available to you in order to help you onto the property ladder. 

key ring house.png

£

EQUITY RELEASE / LIFETIME MORTGAGE FOR HOME OWNERS

*If you're looking at raising funds out of your property, for things such as home-improvements or cover other costs, this is something we can help you with. 

A lifetime mortgage is a loan secured against your home. It may reduce the amount of inheritance you leave to your beneficiaries and it may affect your tax position and entitlement to means-tested state benefits. Check that this will meet your needs before proceeding if you want to move or sell your home. When releasing equity, it’s tempting to focus on the immediate boost you will get from the money you unlock, but you need to look at how it will affect your future choices and financial situation in later life.

​

* This is available via referral to a 3rd party – as currently no Equity Release Permissions are held by Linear or Michelle Clements.

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

​

OUR COMPREHENSIVE RANGE OF LENDERS FROM ACROSS THE MARKET

  • Accord Mortgages

  • AIB

  • Aldermore Mortgages

  • Bank of Ireland UK

  • Barclays

  • Bluestone Mortgages

  • BM Solutions

  • Clydesdale Bank

  • Coventry

  • Danske Bank

  • Darlington Building Society

  • Digital Mortgages by Atom Bank

  • Fleet Mortgages

  • Foundation Home Loans

  • Furness Building Society

  • Halifax Intermediaries

  • Hanley Economic Building Society

​

  • Hinkley & Rugby Building Society

  • Hodge

  • HSBC for Intermediaries

  • Kensington

  • Kent Reliance

  • Landbay

  • Leeds Building Society

  • Live more

  • Keystone

  • Market Harborough Building Society

  • Metro Bank

  • Nationwide for Intermediaries

  • NatWest intermediary Solutions

  • Newbury Building Society

  • Newcastle

  • The Nottingham

​

  • Paragon

  • Pepper Money

  • Post Office

  • Precise Mortgages

  • Principality

  • Progressive Building Society

  • Santander

  • Scottish Building Society

  • Scottish Widows

  • Skipton Intermediaries

  • Teachers

  • The Mortgage Lender

  • The Mortgage Works

  • The Tipton & Colesley Building Society

  • Together

  • TSB

  • The West Brom

  • Virgin Money

  • Vida Homeloans

MORTGAGE PROCESS

MMS INFOGRAPHIC OR PROCESS.png

Initial Fact Find Meeting - It’s good to talk

In this initial meeting we have a really informal good old chin wag about what it is you’re wanting to achieve both now and in the future.  We look to manage your expectations by walking you through each step of the process and by disclosing up front how we work and why we need to obtain certain information. We evaluate how much you can potentially borrow, create a monthly affordable budget by fact finding details such as your salary, your regular outgoings and your personal circumstances.  This also includes our Money Maze that clearly shows the compulsory and relevant protection you will need to put in place in relation to having your own home 

 

Documentation & Advisor Research - We do all the leg work

Once we have the relevant information from our first meeting and documentation from you, we will go to work researching available products and lenders to suit your individual needs and affordability. Michelle has first class knowledge of current mortgage products and as such has access to a comprehensive range of leading lenders across the market. 

 

Recommendation & Agreement in Principle – Moving things forward

In this follow up appointment we will demonstrate without the use of complex language our recommendations and quotations for both the mortgage and protection.  This will involve a full walk through the quotation documentation and things such as, why that particular lender, provider and products have been recommended in line with your personal requirements, the costs involved and what the next steps forward are in your journey. We will then look to obtain an agreement in principle from the recommended lender, as this puts you in a good buying position if purchasing. No data is passed on to any third party without your prior consent. 

​

Mortgage & protection Applications - The exciting bit

By this point, we aim for you to feel 100% confident enough to go house hunting! Once you’ve found a property that is ‘the one’, we can look to help you negotiate a price with the relevant estate agent or put your offer forward on your behalf if required.  We will also supply the agents with the evidence they require, to confirm you have been advised and are in a position to proceed.  Armed with your mortgage’s key features and financial illustrations and our full support we will, with your permission proceed with the full mortgage application, so we do all the boring paperwork, so you don’t have to! 

 

Advisor Case Management - Seamless process

We have in place robust procedures and processes to make sure the progression of your mortgage application is as smooth as possible. This includes seamless communication with you, the lender, your conveyancer and even your estate agent so we can work towards successfully obtaining your mortgage and most importantly that new home or better deal. 

 

Exchange & Completion - Final steps and the best part

At the end of the property sale, also known as completion, the money from the mortgage will transfer to the seller and ownership of the home will be transferred you, the buyer! Time to grab those keys, move into your shiny new home and enjoy a great take out, of your choice via ‘Just Eat’ courtesy of MMS! However, if you need to ask any questions after this, we are always on hand to help you. 

Take-out Terms and Conditions: This is subject to a mortgage product being taken and completion taking place, the value is dependent on the number of applicants and up to a maximum value of £30. Just Eat Terms & Conditions

Mortgage Process
bottom of page