WHY ARE WE YOUR KEY TO MORTGAGE SUCCESS?

Lender Knowledge

We can find a lender with lending criteria that suits your circumstances

Everyone is different, with a unique set of financial and life circumstances, and as a result it is possible that you won't have access to all the lenders in the market.

Instead of "going-it-alone", utilise our knowledge of the market to find a lender appropriate to your needs and circumstances. Our service could prevent you from making unsuccessful applications, and expending valuable time in the process.

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We'll Carry The Load

Let us take care of your mortgage application from start to completion, so you can concentrate on the logistics of finding and moving in to your new home

If anything in life is certain, then you can be sure that moving home is going to give you some fraught moments! Spending hours on the phone chasing up your mortgage application is quite possibly the last thing you need! So let us do it for you.

After 1 or 2 face-to-face meetings we can handle every aspect of your application, from income verification to I.D checks. We then submit the information to your prospective lender, and follow up to progress it through to a formal offer.

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Mortgage Protection

Our advice isn't limited to mortgages. We can design a protection solution to suit your needs and circumstances

A mortgage is a significant financial commitment, and we can advise you on one or a combination of products that can protect your home should you fall victim to adverse life events.

With access to Life Insurance, Critical Illness, Income Protection Benefit, and ASU (accident, sickness, unemployment) products, we can recommend a solution that is tailored to your mortgage commitment and wider circumstances.

AS WITH ALL INSURANCE POLICIES, CONDITIONS AND EXCLUSIONS WILL APPLY

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Speed

We have the relationships required to make your application a smoother process

As a leading mortgage intermediary, we have dedicated account representatives within the lending institutions.

This means that we have a defined point of contact to refer to when progressing your application, so we know the status of your application and what might need to be done to keep it moving through the underwriting process. Our relationships with lenders and key personnel can result in a more efficient application process.

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Personal Service

Personal service makes all the difference in compiling a mortgage application that is likely to be successful

Dealing with a lending institution directly doesn’t often allow you the same personal service that can ease the pressure when you have uncertainties, and questions to ask.

Rest assured that your case manager will be in your corner, and on hand to give you advice and reassurance as and when you need it.

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Fee Free For Most Clients

The greater majority of our clients receive our personal service on a completely fee free basis, as in most cases commission from the lender is adequate compensation for us

However, if your case is non-standard or particularly complex, a reasonable fee not exceeding £395 may be payable. Any fee will be agreed in advance, and paid only if we achieve a mortgage offer.

In all cases you can approach us without obligation or a sense of pressure. You can initially consult with us safe in the knowledge that you won't receive a surprise invoice!

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OUR SERVICE PROMISES

The E4M Stream

A homebuyer's guide to Scotland
17MAR '20
A HOMEBUYER'S GUIDE TO SCOTLAND By Daniel McLardy / 0 Comments

The simple truth is that the Scottish property market functions differently to other part of the UK. Here I list the key facts and steps to help your journey

Scottish First Home Fund
25FEB '20
THE SCOTTISH FIRST HOME FUND By Daniel McLardy / 0 Comments

Read our new guide on the Scottish First Home Fund, which we believe to be the most flexible shared equity scheme for First Time Buyers

paying above home report value
20SEP '19
PRICE VERSUS HOME REPORT VALUE By Daniel McLardy / 0 Comments

Price versus home report value in Scottish home transactions is something buyers need to plan for in a strong market. Read my new guide

mortgages for the self-employed
10SEP '19
SELF-EMPLOYED SOLE TRADERS By Daniel McLardy / 0 Comments

The way we work is changing, with self-employment on the rise. Check out Daniel McLardy's mortgage guide for self-employed sole traders

mortgages for contractors
27AUG '19
FIXED TERM EMPLOYMENT CONTRACTS By Daniel McLardy / 0 Comments

Edinburgh, being a university city and financial centre, is certainly no stranger to fixed term employment contracts. Here's our view on how lenders assess them

enter our competition
4JUL '19
HANNAH CLARKE (ABERDEEN) HAS WON THE EATON TABLE By Admin / 0 Comments

Hannah came out of the hat first, so the table will find it's home in Aberdeen, where we're sure it will come in handy as a patio heater. Congratulations Hannah!

we are 5 star Google rated
5JUN '19
A VERY BIG THANK YOU FOR THE GOOGLE REVIEWS By Admin / 0 Comments

Our many thanks to those who have spent the time to add to our Google reviews. They very much help us cement our reputation, and we don't take it for granted

limited company director mortgages
6 FEB '19
CLIENT CASEBOOK - THE LIMITED COMPANY DIRECTOR By Admin / 0 Comments

John found it difficult finding a mortgage because he prefers to pay himself less than the profits his business makes. His luck improved when he got in touch with us

RIO mortgages
15SEP '18
EDINBURGH GIVES RIO A WARM WELCOME By Admin / 0 Comments

The recent launch of Retirement Interest Only (RIO) mortgages has been in the media spotlight, with Edinburgh residents expressing strong interest early on

"Experts 4 Mortgages guided us every step of the way in making our first home purchase, finding the right lender for a situation where one of us is a business owner. In retrospect, we actually needed the help of a good broker"

Mr & Mrs Humphryes / First Timer Buyers, London
  • + MORTGAGE PRODUCTS
  • + LENDER INSTITUTIONS
  • % DEPOSIT MORTGAGES AVALABLE (SUBJECT TO STATUS)
  • PERSONAL ADVISOR FROM START TO FINISH

A BIG THANK YOU TO ALL OUR CUSTOMERS

THANK YOU FOR TRUSTING US WITH ONE OF YOUR MOST IMPORTANT LIFE DECISIONS

Typically, we do not charge a fee for arranging a mortgage, however the actual fee will depend on your circumstances and will not exceed £395. Experts 4 Mortgages is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Proprietor: Daniel McLardy

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

 

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