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What Clients Ask The Most

What You Should Know

What interest rate can i get?

Interest rate vary between Mortgage Lenders but the most important factor in working out what interest rate you can achieve is Loan to Value (LTV) , i.e. how much you want to lend compared to the property value. The lower your LTV, the less risk to the lender and therefore the better rate they offer.

Can i get a mortgage with poor credit?

We are Independent Mortgage brokers, so our job is to work for you and search the whole of the mortgage market to find a lender that can help. We have access to numerous specialist lenders that can look sympathetically on past credit problems.

Should I get a fixed rate or variable rate mortgage?

This all depends on your situation and requirements. Our advice is tailored to your circumstances. We will discuss your thoughts, wishes and plans and take all this into consideration before recommending the most suitable deal. Not all clients and mortgage deals are the same.

Next Step Advice Ltd

01663 830 124

Registered Office: Coopers Cottage, 275 Buxton Road, Stockport, SK6 8AY.

Next Step Advice Ltd (10197356) is authorised and regulated by the Financial Conduct Authority. FCA 917494 in respect of mortgage, insurance and consumer credit mediation activities only. 

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Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it

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Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it

 

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 (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm). You may be able to submit a claim through the  EU Online Dispute Resolution Platform (https://webgate.ec.europa.eu/odr/main/?event=main.home.show if you live outside the United Kingdom or if you prefer not to deal directly with the Financial Ombudsman Service.)

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