Multi-Award Winning Whole Of Market Mortgage & Protection Advice In Nottingham.
Mortgage Broker Nottingham
We bring harmony and balance to your financial matters, giving you peace of mind. Whether you’re a first-time buyer, moving home or want to remortgage to a better deal, we aim to make it happen without jargon.
We are all about offering transparent, impartial advice that gets the job done. we know that buying a home can be challenging and we’re here to help you along the way making it as stress-free as possible.
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How Can We Help You Get A Mortgage
As 5* and award-winning mortgage advisors in Nottingham, Harmony FS has in-depth knowledge of the local markets and local areas. So if you are looking for a local mortgage advisor, we can help you.
5* Mortgage Broker Nottingham
We know how difficult it can be to get a mortgage in Nottingham – especially with the difficult financial year we’ve all had. But with us as your mortgage broker, Nottingham, we can help you find the best mortgage deals or insurance no matter what. Contact us to get your mortgage today.
Our Nottingham Mortgage Advisors
With a base in Nottingham and a key presence throughout the UK, Harmony FS is on hand to help whenever you’re buying. Nottingham mortgage brokers have access to the whole of the market, meaning that whatever your background and your financial affairs, we can help you find the best mortgage or insurance for you. So if you are looking for the best independent mortgage advisor near me, you will find Harmony Financial Services.
Taking the hassle out of mortgages the Harmony way!
Harmony Financial Services can help you to get a mortgage in Nottingham in simple steps.
Where other financial firms may have failed, Harmony FS will help you to find the right mortgage. We’ll always be in touch to let you know how your application is going, what we’re doing to support your application, and offer friendly advice to get you the best mortgage deal, Nottingham.
Get the best mortgage deal for your first home in Nottingham. Our Nottingham mortgage advisers have access to mortgage rates and deals that major banks can’t offer.
From start to finish, we’ll be on hand to get you the best deals and move quickly so you can be sure to snap up your next property in Nottingham before it sells.
Whether you’re buying your first home as a landlord, or your tenth home in your portfolio, our mortgage brokers Nottingham can help with the expertise needed to get you the best deal.
From sole traders, ltd company directors, and more, our mortgage brokers can help you secure your dream home at the best deals and with minimum fuss.
As a doctor, solicitor, consultant, seafarer, NHS work or contractor, our Nottingham mortgage brokers can help to find you a mortgage deal whether you have short or long term contracts.
Unlock extra money in from your Nottingham property by remortgaging. Whether you need money for home improvements or investments, we will get you the best remortgage deal possible.
Our Nottingham mortgage advisors can help anyone with bad credit find a mortgage. That includes CCJs, bankruptcy, low credit rating, and defaults on loans or credit cards.
Get support with protection and insurance to help you if you become critically ill or unable to work. We can also help to find cover for your home and possessions in the event of a fire, flood, or criminal activity.
Find out the answers to the most frequently asked questions about mortgages in Nottingham.
A mortgage broker is a person, usually with specialist knowledge and connections, who can arrange a mortgage between a borrower and a lender. They will always work in their clients best interest. They communicate directly with both the borrower and the lender, acting as the middle man between the two. They can often argue on the borrower’s behalf, which can help to secure mortgages that are notoriously difficult – if you’re self-employed, for example.
It can be good to go through a mortgage broker to get your mortgage. That’s because using a broker instead of a bank can give you access to more deals and mortgage options.
If you have been turned away or denied a mortgage from a high street bank in Nottingham, it could be time to call a mortgage broker like Harmony FS. That’s because mortgage brokers have access to mortgage rates and deals that banks and consumers can’t see. It often means that you actually end up with a better deal than the high street bank offered you.
The information you will need to provide to a mortgage broker will vary depending on your individual circumstances. However, they will typically need to see:
- Your proof of income (e.g., payslips or P60 form).
- Your proof of address (e.g., utility bill or council tax bill).
- Your proof of ID (passport & driving licence)
- Your bank statements for the past four to six months.
- Proof of deposit,
- Your credit report.
It’s generally a good idea to obtain a mortgage in principle before you start viewing properties, as it will give you a clear idea of how much you can afford to borrow and make you a more attractive buyer to estate agents and sellers.
Here are some specific times when it might be particularly beneficial to get a mortgage in principle:
- Before you start house hunting: Having a mortgage in principle will give you a clear idea of your budget and make it easier to focus your search on properties that are within your price range.
- When making an offer on a property: A mortgage in principle will show the seller that you are a serious buyer and are able to proceed with the purchase. This can give you an edge over other buyers who may not have a mortgage in principle in place.
- When negotiating with an estate agent: A mortgage in principle can give you more negotiating power with an estate agent, as they will know that you are ready to proceed with the purchase.
- When applying for a mortgage: Having a mortgage in principle will make the mortgage application process easier and smoother, as you will have already been pre-approved for a mortgage.
- When giving your notice on your current rental property: If you are renting, it is a good idea to have a mortgage in principle in place before you give your notice to your landlord. This will give you peace of mind knowing that you have a plan in place for your new home.
What our clients say
Harmony FS has helped thousands of people move into their dream home and arranged millions of pounds of mortgage lending in and around Nottingham. We have helped to secure mortgages for doctors, seafarer mortgages, self-employed, buy to let mortgages, and more. Here is what some of our clients say about Harmony FS mortgage brokers in Nottingham:
Arrange your mortgage in perfect harmony with clear, no-nonsense advice from the whole mortgage market.
Fill in the short form below and one of our specialist Nottingham mortgage advisors will get in touch to discuss your requirements and your perfect mortgage. We can’t wait to hear from you.
Even if you’re a few months or even a year away from looking to buy a home, we’re happy to advise you. We’re here to help support you as early as possible in your home-buying journey.