Mortgage Advice – Luci Morgan Estate Agency

Expert Mortgage Advice

Like estate agents, good mortgage brokers can be hard to come by. Fortunately, we have a solution.
If you are also looking to buy a new home, Luci Morgan Estate Agency works in partnership with Alexander Southwell Mortgages to make the mortgage market easier for you to navigate.

The first thing we do is take the time to understand exactly what our customers need. Alexander Southwell – headed up by Jamie Alexander – have strong relationships with all the providers and will scour the market to find you the very best deal, including many that are exclusive to us, to find the one that’s perfect for you.

Book an appointment with Alexander Southwell

A lifetime benefit for your mortgage deal

Upon recommendation from Luci Morgan Estate Agency, mortgage advice initially and throughout the whole mortgage process would be completely Fee Free.

Alexander Southwell will hold regular reviews if needed to make sure your mortgage is working for your financial goals and, when it’s time to renew, that you’ve got the best deal on the market.

Mortgage Calculator

Normally the thing most people want to know first is how much they’ll be paying their lender every month. This is dependent on the mortgage rate you choose, how big your deposit is and how much you borrow over what period of time. To get rough calculations, try our mortgage calculator below.

Mortgage Calculator

Please note this is only an estimate and can vary depending on the lender and your personal circumstances. To get a more accurate quote, we recommend speaking to one of our advisers who will be more than happy to help you.

Frequently Asked Questions

Is it better to use a Bank over a independent mortgage advisor?

One of the biggest benefits of working with a broker is the simplification of the market comparison and application processes and help you find the right mortgage. Once you have provided your broker with a few basic details, they will typically handle most of the subsequent complexities on your behalf. Working with an independent broker also means gaining access to honest and impartial information, which is rarely available directly from a bank or lender. Brokers can also provide access to exclusive deals you won’t find on the High Street, often from lenders that do not work directly with the public.

What fees might I incur when taking out a mortgage?

Typically the list of fees could include:

Valuation fee – charged by the lender to value the property and generally paid up front with your application

Solicitors fees – charged by the solicitor to complete the conveyancing transactions on the property.

Stamp duty land tax – a tax levied by the government on any property purchase in England or Northern Ireland

Lender arrangement fees – charged by the lender for arranging the loan. This can be added to the loan in most circumstances but will therefore increase the size of the loan.

Booking fee – charged by the lender for booking the funds for your mortgage and typically charged up front with your application

Broker fees – Some brokers will charge a fee, as much as 1% of the whole mortgage. Alexander Southwell are a Fee Free broker so you do not have to worry about this at all!

Get In Touch For Expert Mortgage Advice

Telephone: +44 (0) 3300 432 428

Email: enquiries@as-mortgages.co.uk