Mortgage Broker Reading
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 Reading
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) |
Earley | £45,667 | £91,334 or £45,667 per salary with a joint purchase |
Tilehurst | £38,337 | £76,674 or £38,337 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 Reading
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
Hold off applying for credit until old issues have expired
Bankruptcy and county court judgments stay on your file for six years and data about applications for a year.
It's therefore worth leaving applications until problems such as these have been removed from your file to boost your chances of success.
Discount Mortgage
Discount mortgages are another variant of variable mortgages but the discount is linked to the lender's standard variable rate (SVR) as opposed to the Bank of England's base rate. One of the risks involved is that the lender, if stated within its terms & conditions, can reserve the right to increase its rate independently of any movement – or non-movement – of the Bank of England base rate.
The discount normally applies during a fixed, agreed term and all mortgages that have a fixed term normally require a mortgagor to pay a large early repayment charge if they opt to leave early.
Selling your property? Complete all the required property forms, 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 first has to prove their ID to the solicitor representing them, but as 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.
Get your FREE Fixed Fee Conveyancing Solicitors Quote
Fixed Fee – No Sale No Fee – On all Major Lender Panels
Frequently Asked Questions: Mortgage Brokers Reading
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 Reading mortgage brokers have access to better deals than the general public and can negotiate on your behalf.
Mortgage Broker Reading - Recently Completed
- Kentwood Hill, Tilehurst, Reading, RG31 6DL
- Matlock Road, Caversham Heights, Reading, Berkshire, RG4 7BS
- Rotherfield Way, Reading, Berkshire, RG4 8PJ
- Stanbury Gate, Spencers Wood, Reading, RG7 1SR
- Birdhill Avenue, Reading, RG2 7JU
Watch our video to find out how to organise your mortgage and funding for your purchase.
