Mortgage Broker Gloucester
Our mortgage brokers are independent of any lender and offer a full spectrum of straight talking, expert financial advice. Perfectly positioned to help you with your mortgage requirements.
for Gloucester
Remote Appointments
Advisors 2022
Why choose Mortgage Brokers with SAM Conveyancing?
Whether you are making a purchase or remortgaging a property, using an impartial mortgage advisor saves you from being pressured by any specific lender, so you can choose the best deal available from the whole market.
We can offer you a free* initial consultation with our independent mortgage brokers at Advies. They search across the whole market to provide the best mortgage rates that match your needs and circumstances, with access to exclusive rates that can beat the high street lenders.
We are delighted to announce that Advies have been recognised by the Financial Times as being one of the FT Adviser UK Top 100 Financial Advisers 2022.
Our mortgage advisors attain the strictest Financial Conduct Authority standards, to ensure honest, competitive and fair services, to you.
Changed from 4% on the
17th December 2025
.Location | 10% Deposit | What would your salary need to be? (estimated based on 4.5 times salary) |
Churchdown | £37,651 | £75,303 or £37,651 per salary with a joint purchase |
Hardwicke | £39,927 | £79,855 or £39,927 per salary with a joint purchase |
The rate of your mortgage will affect your affordability assessment. Use our calculator to see how the current rate will affect your monthly payments.
Our Mortgage Broker Guide to getting a mortgage in Gloucester
The mortgage application process has 4 stages regardless of which mortgage lender you use:
- 1Approval/Decision in Principal (AIP/DIP)
- 2Mortgage in Principal (MIP)
- 3Mortgage Valuation
- 4Mortgage Offer
Check your credit scores annually or before you make a major application
You should know what your credit rating is so you'll have a better idea what the likelihood is that your application will be approved and whether you'll have to pay higher interest rates/APRs.
Remember that errors can happen so it's important to check that your file doesn’t have any as they can prove detrimental to your score. Remember also that failed applications for credit will themselves lower your score.
Flexible Family Mortgage
Flexible family mortgages are mortgages designed for first time buyers where family members or associates can provide security for the loan using a variety of methods.
The first time buyer has to amass a minimum 5% deposit then the associate might put 20% or more of the value of the home into a savings account which pays interest as security for the loan. The first time buyer pays a lower interest rate on their mortgage compared to other mortgages of this type. Or the associate might opt to offer a percentage of their own property as security or they might place savings in an offset account to reduce the amount of the mortgage. The mortgage can be structured to involve either of these methods or a combination of all 3.
The risks facing the associate follow from the methods used – if they opt to use a percentage of their own property for example, they stand to lose this percentage in the event of default.
Get your buildings insurance sorted in time for exchange of contracts!
According to the law, you are responsible for buildings insurance as a buyer of a property from the point of exchange. You should therefore have this in place to give you security against any disaster which might affect the fabric of your new property.
You should, therefore, plan for this in advance and organise your buildings insurance.
Frequently Asked Questions: Mortgage Brokers Gloucester
The benefit of using a mortgage broker is having one expert doing the research and comparison for you, rather than dealing with multiple lenders who all want to sell you their own products. Our independent Gloucester mortgage brokers have access to better deals than the general public and can negotiate on your behalf.
