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.

Access to the Whole Market

FREE* consultations
for Norfolk
for Norfolk

Convenient
Remote Appointments
Remote Appointments

Impartial Mortgage Advice

FT Top 100 Mortgage
Advisors 2022
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.
Bank of England Base Rate
5.25%
Increased from 5% on the 3rd August 2023.
How to get a mortgage in Norfolk
Property prices in Norfolk vary from one location to another. On average, a terraced property in Norwich is £251,847, whereas in Dereham it is £194,827.
Location | 10% Deposit | What would your salary need to be? (estimated based on 4.5 times salary) |
Norwich | £25,184 | £50,369 or £25,184 per salary with a joint purchase |
Dereham | £19,482 | £38,965 or £19,482 per salary with a joint purchase |
Are you self-employed? 5 Tips for Getting a Self Employed Mortgage
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 Norfolk
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

#1 Top Tip
New to credit and want to increase your score? Get a credit card – and use it wisely
If you haven't had credit before, you won't have a very high credit score. You can help this by taking out a credit card and paying out a small amount on it each month (such as a subscription to Netflix). Ensure you set up a direct debit to repay the full amount each month so you don't get involved with having to repay the money subject to a large APR.
You don't have to ever use the card to take out money – this is very expensive and will actually hurt your credit score – and each time you make a repayment, your credit score will incrementally improve.

#2 Top Tip
Joint Borrower Sole Proprietor Mortgage
A person may wish to buy a home but their salary multiples may mean that they can't get a sufficiently large mortgage to do so. One strategy they can use is to make a joint application for a mortgage, involving someone who can get a mortgage, and that other person then does not appear on the legal title. A joint borrower sole proprietor mortgage is the term for the mortgage the pair apply for.
There are legal risks involved in this strategy and at the very least, both participants are well advised to draw up a deed of trust to protect their individual interests.
If you wish to find out more about this subject, please click on Joint borrower Sole Proprietor Mortgages
Selling your property? Complete all the required property forms and collect all the required information and return it to your solicitor as soon as possible.
As a seller, the best way you can save time in the conveyancing process is by getting all the information your solicitor needs to them as soon as possible – your tasks are 'front-loaded'!
Anyone buying or selling a home firstly has to prove their ID to the solicitor representing them but a seller you have to complete property information and fixtures and fittings forms (as well as a leasehold information form, if relevant) and return them to your solicitor along with your original title deeds and other relevant information.
This may seem a lot to do, but once you've finished these tasks to the best of your ability, your solicitor can fully devote themselves to making the remaining conveyancing process run efficiently.
Our website explains all the forms and information mentioned; a good place to start finding out more is to click on Property Information Form TA6 explained
Fixed Fee – No Sale No Fee – On all Major Lender Panels
Frequently Asked Questions: Mortgage Brokers Norfolk
The role of a mortgage broker is to take your information and compare multiple deals from different lenders, based on your specific details, to find you the best option.
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 product. Our independent Norfolk mortgage brokers have access to better deals than the general public and can negotiate on your behalf.
Unless you have already found a mortgage products and aren't really interested in finding a better deal, it is always worth using a mortgage broker and when your initial consultation is free with SAM Conveyancing, what have you got to lose?
Some homeowners want the convenience of borrowing with the same lender than they currently bank with. Even then it is often worth going through a broker anyway, as they may be able to get you an exclusive offer from that very same bank, that you wont have access to.
Most mortgage brokers make their money in a flat fee or a commission which is paid to them by the lender. Some brokers charge a fee to the borrower which is normally payable as a flat fee, or it can be financed with the mortgage.
You'll need a mortgage approval in principle in order to budget, so you should get a mortgage broker before you start looking for houses and certainly before you make an offer on one. In fact, some people speak to a mortgage broker as soon as they decide to get serious about buying a home.
There's no need to meet a mortgage broker face to face. Our hand selected mortgage experts offer convenient remote meetings by phone, for award-winning, national coverage.
A mortgage broker will be quicker purely based on their greater experience. They will be able to check your application to make sure it's not rejected for commonplace mistakes and they can steer you away from wasting your time applying for mortgage products or to lenders who are likely to turn you down.
* How does the Free Mortgage Consultation work?
SAM Conveyancing has negotiated a FREE Mortgage Consultation with our panel mortgage broker. This allows you a free mortgage consultation to discuss your specific requirements and provide mortgage opportunities for the Service being requested. If you want to proceed with a formal mortgage application through your mortgage broker, then a mortgage application fee maybe payable. If there is a fee to pay for your mortgage application, it will be explained to you at the point of discussing your mortgage options.
You can disengage the services of your Mortgage Broker prior to making a formal application and no fee will be levied.
Read our - Terms and Conditions.
SAM Conveyancing is an approved partner of Advies Private Client, and this page is an advertisement for them. SAM Conveyancing does not provide or arrange mortgage advice, but we may receive a commission for any product you take with Advies Private Client after we introduce you to them.
SAM Conveyancing is not regulated by the FCA and does not provide any insurance or mortgage products products nor can we provide any advice on different insurance or mortgage products. Please liaise with your chosen Advies Private Client for any insurance advice.
**Subject to availability. If we are fully booked ask and we will see if we can fit you in sooner.
Mortgage Broker Norfolk - Recently Completed
- Rectory Lane, North Runcton, King's Lynn, Norfolk PE33 0QS
- 4 Lodge Lane, Snettisham, King's Lynn, Norfolk PE31 7QQ
- 37 Ives Road, Norwich, Norfolk NR6 6DU
- 16 Hollow Hill Rd, Ditchingham, Bungay, Norfolk NR35 2QZ
- 12 Wheatfields, Rickinghall, Diss, Norfolk, IP22 1EN
Watch our video to find out how to organise your mortgage and funding for your purchase.
Click to access our online mortgage payment/repayment calculator (UK).