Some of the Frequently Ask Questions.

Typical mortgage advisor would charge you fees of £495 per case. MariannaFS offer fee free mortgage advice in most of the cases. We are paid commission by lenders. But in some cases, we will charge fees depend on the case type were extra time and efforts are required. We will always confirm with you if any fees charge before we start the work.

Finding for a property and a right mortgage in a market can get really challenging. Especially if you are a first-time buyer, you are likely to encounter several hurdles along the way. Amidst these challenges, it is important to seek help from an independent mortgage broker who would give you a sense of direction. Mortgage brokers have access to whole of market which means you are not missing out on mortgage deals.

Whether remortgaging is a good idea for you or not depends on a lot of different factors. It is advisable to before you remortgage your property speak to Mortgage broker. At Marianna Financial Services, we ensure that you do not rush through the process of remortgaging your property and provide personalized assistance to you every step of the way.

When you buy your first house or a flat, you need to consider several things like which mortgage deal is right for me or how long it will take to secure a mortgage. Your mortgage broker can explore all available options based on your circumstances. Banks, on the other hand, show you mortgages available through them. Independent brokers will advise on the most suitable deal that will work just for you and guide you through the entire process from start to finish. Mortgage advisors have a crucial role in communicating with a lender and estate agent. Once your mortgage deal is finalised, they prepare an agreement in principle that many estate agents may require to consider your offer.

Buy-to-let remortgaging is often seen as an effective tool to potentially save money on your monthly mortgage payments, especially if you are on a wrong or higher interest rate. When your fixed term is over, your monthly mortgage payment will go up. You could save on your monthly mortgage payment by remortgaging to a lower rate. It is always a good idea to shop around as you may find a much better deal with a different lender than your current lender can offer you.

Finding the right remortgage deal help you reduce monthly mortgage payments by stopping you from Standard Variable Rate. Check out how much you can save by remortgaging your property with the help of our remortgage calculator. We have seen on average our clients save £200 – 350 on monthly mortgage payments compare to standard variable rates.

Most mortgage advisor would charge you fees of £495 per case. Some brokers charge on application and some charge on the mortgage approval. Fees charge by mortgage broker depends on the case. For example, some with bad credit or company buy to let. Good news is MariannaFS are Fee Free Mortgage Brokers.

The mortgage rates depend primarily on the base rate of the Bank of England. The rate at which a lender offers you a mortgage would also depend on the affordability tests conducted by them depends on your income, deposit and credit scoring. Before you go deal with a mortgage lender and seek the best offer, our mortgage brokers would provide you with all the necessary information, making sure that your journey is safe and smooth.

Another common issue faced by mortgage borrowers is that of bad credit. If you have accumulated bad credit over time, you are likely to face rejections from several lenders. Yet again, you need not worry about finding a mortgage deal with Marianna Financial Services. Our brokers would help you find specialized lenders who consider providing mortgages to borrowers with bad credit (depending on the nature and severity of bad credit).

Yes we can find you lender if you are on work visa. Most lenders would prefer to see indefinite leave to remain but if you do not have ILR it is possible to get mortgage on visa. Some lenders even ignore visa criteria if you have 25% deposit.

Finding for a property and a right mortgage in a market can get really challenging. Especially if you are a first-time buyer, you are likely to encounter several hurdles along the way. Amidst these challenges, it is important to seek help from an independent mortgage broker who would give you a sense of direction. An independent mortgage broker would help you to prevent from making impulsive and uninformed decisions while taking out a mortgage. They would analyse your financial situation, understand your motivation, and help you make the right decisions.

Credit Score is the major factor in your mortgage application. Your Income decides how much lending you could get from lender. Deposit is the other major factor in your mortgage application. Your current debt like credit cards and loan commitment. These are important factors that would affect your application.

Yes we can get mortgage for self-employed. In most cases, mortgage lenders prefer with borrowers who have an employed income instead of people who are self-employed. Here, stability of income is preferred over a hefty bank account balance. If you are self-employed and are looking for mortgage broker in Barnet, there is no need to get disheartened. Our mortgage brokers would help you find right lenders who help self-employed borrowers get suitable mortgage deals.

When you buy your first house or a flat, you need to consider several things like which mortgage deal is right for me or how long it will take to secure a mortgage. Your mortgage broker can explore all available options based on your circumstances. Banks, on the other hand, show you mortgages available through them. Independent brokers will advise on the most suitable deal that will work just for you and guide you through the entire process from start to finish. Mortgage advisors have a crucial role in communicating with a lender and estate agent. Once your mortgage deal is finalised, they prepare an agreement in principle that many estate agents may require to consider your offer.

There are two major ways in which you can remortgage your property – remortgage with the same lender or remortgage to a new lender. Borrowers who choose to remortgage with the same lender called product switch. The process is very simple for product switch. But they may not know if they have the best remortgage deal. As your existing lender already knows you well, the overall process of remortgaging your property becomes easier and faster. Always speak to mortgage advisor who will advise you if you should remortgage to new lender or go with new lender.

Get your finances in order- check your credit report and make sure you pay everything you owe and close the accounts you no longer use. Save bigger deposit if possible as it is easier to secure good mortgage rate if you have a bigger deposit. Speak to our mortgage advisor- We are expert in securing best mortgage deals for first time buyer.