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Submitted URL: http://the-mortgagestorewilmslow.co.uk/
Effective URL: https://the-mortgagestorewilmslow.co.uk/
Submission: On January 03 via manual from GB — Scanned from GB
Effective URL: https://the-mortgagestorewilmslow.co.uk/
Submission: On January 03 via manual from GB — Scanned from GB
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Skip to content * 07786998633 * paulb@the-mortgagestore.co.uk * * Mortgages * First Time Buyers * Remortgages * Buy To Let * Home Mover * Remortgage for Debt Consolidation * Remortgage for Home Improvements * New Build Mortgage * Commercial Mortgages * Specialist Mortgages * Contractor Mortgages * Mortgages for Teachers * Armed Forces Mortgages * NHS Mortgages * Doctor Mortgages * IT Contractor Mortgages * Police Mortgages * Self Employed Mortgages * Equity Release * Help to Buy * Help to Buy Remortgage * Insurance * Contact * The Mortgage Clinic Menu * Mortgages * First Time Buyers * Remortgages * Buy To Let * Home Mover * Remortgage for Debt Consolidation * Remortgage for Home Improvements * New Build Mortgage * Commercial Mortgages * Specialist Mortgages * Contractor Mortgages * Mortgages for Teachers * Armed Forces Mortgages * NHS Mortgages * Doctor Mortgages * IT Contractor Mortgages * Police Mortgages * Self Employed Mortgages * Equity Release * Help to Buy * Help to Buy Remortgage * Insurance * Contact * The Mortgage Clinic EXCELLENT 2691 reviews on EXPERT MORTGAGE & PROTECTION ADVICE IN THE MORTGAGE STORE 4.9 Read our 296 reviews 5.0 Read our 2,694 reviews 1 Step 1 First NameFirst Name Last NameLast Name Telephone NumberTelephone Number Emaila valid email email PostcodePostcode Messagemore details 0 / By submitting my details I agree to the terms and conditions and privacy policy Submit keyboard_arrow_leftPrevious Nextkeyboard_arrow_right FormCraft - WordPress form builder DON'T JUST TAKE OUR WORD FOR IT What our customers say All Reviews 4.9 Facebook 5.0 Google 4.9 Overall Rating 4.9 296 reviews Write a review Where do you want to leave a review? Facebook facebook.com/TheMortgageStore/reviews/ Google search.google.com/local/writereview?placeid=ChIJ2WBWLRNVZUERHNl2hD_2pXc George Wood 9 days ago This is the 3rd time we’ve done our mortgage with Charlie and we can’t speak highly enough of him. Charlie and his team are efficient, friendly and are always on hand to offer great advice. We recommend The Mortgage Store and Charlie to anyone looking for a great and reliable service. Read more Posted on Google Bercy Gumundai December 19, 2023 Mrs Rachael Wacker is so wonderful to work with. As a first time investor, I wasn’t completely sure of the process but Mrs Rachael Wacker helped me through it all and I made a profit of $6,500 with an investment of $500. He was also extremely helpful in coordinating the withdrawal process. I highly recommend Mrs Rachael Wacker to everyone looking to start up an investment. These are his contact details Email:rachaelwacker68@gmail.com WhatsApp +1 (971) 772-1286 Read more Posted on Facebook Joyce M 1 month ago Sam and his team have been nothing short of brilliant, professional, helpful and efficient. Sam was very proactive and dealt with our application. Sam and his team kept us updated throughout the process and I would highly, highly recommend them. Read more Posted on Google Graham Stacey 1 month ago Have dealt with mortgage store for many years now and whoever be my contact they have been informative punctual and efficient the most recent being Alexandria who has kept me informed with the re mortgage of 3 property’s and sourced some good deals . Fiona also a great asset to the team . Can’t forget the main man warren who always has time to communicate .. great team great company a perfect business model working hard in tough times Read more Posted on Google Ryan Lambert 1 month ago We have used Sam C when we bought our house and also returning for our renewal. The service, professionalism and industry knowledge is second to none. Highly recommend. Thanks Sam Read more Posted on Google Jack Williams 1 month ago Amazing service from start to finish. Delivering a good customer experience is clearly a priority to everyone. I would happily recommend The Mortgage Store Read more Posted on Google Simon Delamare 1 month ago Been with the mortgage store from almost the beginning and wouldn't go anywhere else. Always great support from Warren, Layla, Fiona and Alex. Going through a remortgage at the moment and as always it's been an easy process with great support. Highly recommended! Read more Posted on Google Holly-Louise Bartram 1 month ago We have been using the mortgage store for about 3 years now. We have been dealing directly with Fiona! I can honestly say she is amazing! I feel like I’ve gained a friend. She is always there to help and with us being first time buyers we had no idea on what we should be doing. Fiona was able to simplify everything down for us and make the transition as smooth as possible. We have also spoken with Warrens few times, who has been just as helpful and friendly. We have just gone through them again to renew our mortage and we will continue to use them. Thank you so much Read more Posted on Google THE MORTGAGE STORE The Mortgage Store makes getting a mortgage smooth, easy and very quick. We’ll sort out the house, and then you can make it a home. With thousands of different mortgage schemes available in the UK for people with varying circumstances, finding the right mortgage deal can be very time-consuming. This is why we pride ourselves on our exceptional, 5-star service in helping people find the perfect mortgage deal. INTRODUCING PAUL I’m Paul from The Mortgage Store based in Wilmslow, Cheshire. I have always been interested in property and finance and have been a landlord for over 10 years, so I understand the processes involved in both the residential and buy to let markets. I have always been driven by providing great customer service in my career path and this is highlighted in the levels of service and expertise that I can offer you as a client for both mortgage and protection advice. I have worked with many different client types including first time buyers, remortgage clients, self-employed clients, buy to let landlords both in sole name and limited company set ups. I regularly work with self-employed clients especially limited company directors and have a deep understanding of complex lender criteria and how to maximise your borrowing. What I really enjoy about the job is getting my customers a great deal by providing clear and comprehensive advice. Whether it’s with first time buyers securing their first property or someone who has had financial issues in the past that never thought they would get accepted for a mortgage. I feel it is important to take advice on what is undoubtably one of the biggest financial decisions most people make so that you get the best outcome possible, so why not come to someone that is driven to make your mortgage experience the best it can be. WHAT DOES A MORTGAGE BROKER DO? Paul Baker introduces the branch and talks us through the role of a mortgage broker. What does a mortgage broker do? Well, I think mortgage brokers play a massive part in the process of getting you a mortgage, whether that be a new purchase, a home mover, or remortgaging your existing property. First and foremost, a mortgage broker can search many lenders to find you the most suitable deal for your circumstances. We can save you a huge amount of time comparing rates and lender offerings. We can fully assess your circumstances to make sure that, first of all, you fit the product criteria for the application. I’ve had a couple of clients who have come to me after making their own applications. They didn’t properly understand the criteria and were declined, which can be quite stressful. We also calculate the maximum loan amount available to you, based on your income and your current credit commitments. Finally, we will fully submit and manage the application process through to completion. In most cases, you never need to speak to the lender directly. The interview and application process can take in excess of three hours if you go direct, which can be quite difficult for people. What’s the difference between going to a mortgage broker like yourself versus your local high street lender? If you go to your local bank, for instance, they can only offer and advise you on products from their specific range. They won’t be able to recommend another lender’s products. So you’re seriously limiting the available options for your mortgage needs. Brokers can access hundreds of products and also gain special rates that direct customers don’t. That’s because the broker will take on a lot of the work that would have been done by the lender, saving them staff hours – and ultimately saving you money in the long run. With a broker, everything is tailored specifically to the individual. There aren’t many cases that are exactly the same, so I’m really focused on my clients and what they require throughout the process. That’s what makes my job interesting – no two days are the same. What services does a mortgage broker offer? First and foremost, a mortgage broker can get you that very important decision in principle for First Time Buyers and home movers, which will give an indication of a lender’s willingness to lend. I deal with a lot of remortgages and Buy to Let investment properties as well. One of the key things is that we can calculate the maximum loan across a range of lenders. This is especially important if you’re self-employed as a sole trader or a limited company director, as lenders can evaluate that income in many different ways, making a real difference to the maximum loan amount you can borrow. We also liaise with estate agents and solicitors, which can take up a lot of your time if you go in as a direct customer. After we’ve organised the mortgage, we can look at mortgage protection and general insurance. Also, because of the industry we work in, we have a wide network of trusted professional partners such as will writing and other financial investments who we can refer you to. I always see a brokerage as a one-stop shop. We’ve worked with our referral partners for a long time, so we know and trust them. So we have every confidence that if we recommend you to them, you’ll get the same level of service as you would from me. I think that’s really valuable. When should I see a mortgage broker? At what stage in that process? That’s easy – see a mortgage broker as soon as possible, ideally right at the start of the process. We can assess your circumstances and give you potential ideas and guidance around maximum loan amounts and how much a mortgage may cost you to repay – because this may or may not fit into your budget. Clients regularly skip this step, fall in love with a property, and then find they cannot get the required loan amount or afford the mortgage payments. Think first. I’ve done it before myself. I fell in love with a house, and then it didn’t go through. It’s really disappointing and stressful. So, like I said, I would always advise speaking to a broker right at the start of the process. It’s never going to cost you anything to speak to a broker initially, so why not utilise that free service? When was the Mortgage Store in Wilmslow founded? TMS Wilmslow was set up at the start of September 2023, so it is a new venture, and it’s really exciting. I’ve been working in the mortgage industry for nearly four years now. I’ve also been a landlord for the last ten years, so I’ve always had that interest in property and finance. Because of the vital experience I have, I feel I can give my clients a head start because I can talk from experience and the knowledge I’ve gained. I’ve been working in Cheshire since 2020 and have helped clients from across the country secure the right mortgage deal for them. So even though I’m based in Wilmslow, I deal with clients in London, Manchester, Birmingham, Cornwall, all over the place. I have extensive knowledge of the Buy to Let market, whether it’s a single property to add income to your personal situation, or through a limited company as an SPV (Special Purpose Vehicle), for long-term investments. I regularly work with First Time Buyer clients and advise them throughout the process. I must admit, they’re one of my favourite types of clients because they’re like a blank canvas. I enjoy helping them learn, and I’m more than happy to discuss everything in detail to make it easy to understand. When they get their keys and have fish and chips that first night in their new lounge, it’s a good feeling. Does it cost for an initial consultation with you? No, this is the really great part for any clients coming to TMS Wilmslow. The initial consultation is completely free of charge. In fact, everything’s free of charge up until the point of fully submitting an application. So, in effect, you can receive the best advice and have a product recommended to you. Then, if you wanted to, you could go directly to the lender and make the application yourself. That’s really rare, though, as most clients see the value I’ve added throughout the service and are more than happy to continue to the full application stage, letting me manage the case through to completion. I don’t think everyone can be an expert on everything in their lives. There are people who advise on certain aspects of life, and, like I said, being a Mortgage Broker is my forte. You really have nothing to lose. Is there anything else we need to know about The Mortgage Store Wilmslow? I suppose the only thing I’d like to add is that, in my experience, clients love to ask questions. But sometimes I get the impression that they think what they’re asking is going to be silly or incorrect. I always encourage my clients to ask as many questions as they need to, and no question is a silly question. At the end of the day, I want my clients to have all the information they need to make an informed choice on what is normally the biggest financial decision they’re ever going to make. I always encourage clients to ask as many questions as they like at the start of the process and throughout the process. The more information you have, the better decision you’re going to make. SERVICE SIMPLICITY STRESS FREE FIRST TIME BUYERS REMORTGAGES BUY TO LET PROTECTION FIND THE RIGHT MORTGAGE TODAY Get In Touch * The Colony Altrincham Road Wilmslow Cheshire SK9 4LY Phone * 07786998633 Email us * paulb@the-mortgagestore.co.uk Paul operates this branch under license by The Mortgage Store (TMS) Limited. The Mortgage Store (TMS) Ltd is an Appointed Representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance and consumer credit mediation activities only. We always aim to provide a high-quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service. ©️ The Mortgage Store (TMS) Ltd. All Rights Reserved. Read our Privacy Statement | Complaints