Mortgage Broker in Woodbridge
Hi my name is Tim Giles, as you know I am one of the leading estate agents in Woodbridge, I am also a mortgage and protection adviser!
I specialise in remortgages and house purchases, however of course I can help with all your mortgage requirements.
Wow what a year 2022 was!! The year started with a bang! too many buyers and not enough properties was the theme of the 1st quarter, it was important to get your mortgage approved and ready in place – or estate agents were not letting you view properties. It was busy, busy, busy..
Moving onto the 2nd quarter saw a lot of the same, but the fear started setting in with talk about interest rates rising, which only made the situation worse, the panic buying increased as the rush to find a home and secure a mortgage before interest rates went up.
Then came the 3rd quarter – “Interest Rate Rises” the head line hit every news paper and month after month the interest rate went higher and higher, the market stopped dead in its tracks, the panic was over, back to normality all be it with a slightly higher interest rate..
However then came the 4th quarter and what did we see then, yes, as they say what goes up must come down.. and the interest rates being charged by banks started falling and weak after week another bank announced they were reducing their rates. However just before Christmas there was another Bank of England Base Rate hike – let’s see what effect this has on the markets in the coming weeks, but for now it is business as usual..
Who am I?
I am a whole of market Mortgage Brokers in Woodbridge, Suffolk. I am part of a small friendly, family business with over 20 years’ experience in property and finance, all our mortgage advisers pride themselves on the personal and long-standing relationships they have built up with our clients and will always provide an approachable and trustworthy service. We have access to most mortgage lenders and are quite often able to source mortgages for clients who have been declined elsewhere. When faced with an unusual case, we will search high and low to find a lender who will provide the perfect mortgage solution. As your mortgage broker in Woodbridge, we have your best interests at heart. Whether you are a first-time buyer, home mover, looking to remortgage, or a landlord, then we welcome a conversation with you.
Our first job is to get you into your dream home and secondly to keep you in your dream home, by providing you with expert financial advice and mortgage protection, income protection and buildings and contents insurance, you can be confident should the unexpected happen you will not lose your home. Additionally, we can help you with secured loans, commercial mortgages, bridging finance, equity release, wills, and estate planning.
The mortgage market can be a mine field to navigate on your own. Somethings in life we can take a gamble on and buy online, such as our groceries, household goods and even our car insurance. We buy these items every day and know pretty much what we are doing. What’s the worst that can happen? We end up with something we don’t like or something that doesn’t fit, well that’s ok! we can generally return the item or just put up with it and don’t make the same mistake next time. However, when it comes to mortgages and protection, these are services and products we simply to not use or buy often. Getting it wrong might not just cost you several thousand pounds in extra interest but it could also mean you end up losing your home for no fault of your own by simply not having the correct financial protection in place. Contact me, your local mortgage broker in Woodbridge for some initial advice.
Instructing me to be your mortgage broker, you know you will be in safe hands, I will do all the hard work for you in firstly sourcing the best mortgage product from all the banks and building societies. Secondly by understanding your personal circumstances and your needs, I will advise you on how to protect not only your home but also your family should the unexpected happen.
Contact me on 07977 218 786
Or simply fill out the form below and I will make contact at a convenient time for you.