Financial Mortgage Advice

Leaf Financial Advisers Ltd.

Mortgage Advisor and Broker

We believe that buying a home should be enjoyable and remortgaging should be straightforward.

Call Us Now

Flexibile Appointments

We offer flexible appointments, including evenings and weekends, not just 9 – 5.  Because good advice fits around your schedule, not ours. Get in touch to book a time that suits you.

Personal Adviser

You will be assigned the same Mortgage Adviser from the start to the end of your journey. Someone to speak to if you need an update, have a query or just want a chat; they will be there for you.  To make it more convenient you will have their mobile number so you can get in touch, no call centres!

Independent

Our independent status means we are not tied to any one mortgage lender or panel of lenders. This allows us access to the whole of the market, including several specialised lenders, helping you get the best deal possible.

Local Expertise

We are based in Bristol and as such have specialised expertise in the local housing market. Our local knowledge will help ensure your mortgage process goes as smoothly as possible.

Personal Adviser

You will be assigned the same Mortgage Adviser from the start to the end of your journey. Someone to speak to if you need an update, have a query or just want a chat; they will be there for you.  To make it more convenient you will have their mobile number so you can get in touch, no call centres!

Flexibile Appointments

We offer flexible appointments, including evenings and weekends, not just 9 – 5.  Because good advice fits around your schedule, not ours. Get in touch to book a time that suits you.

Independent

Our Independent status means we are not tied to any one mortgage lender or panel of lenders. This allows us access to the whole of the market, including several specialised lenders, helping you get the right mortgage for you and your situation.

New mortgage – we can help...

Taking out a mortgage is one of the biggest commitments in most peoples lives, and unfortunately it can be difficult to make sure you’re getting the right deal.

Free advice from a professional mortgage adviser can not only make sure you get the right mortgage deal but can make the application process easier and reduce stress.

Buying a new home should be a fun and exciting experience, let us help you make sure it is.

Request a Mortgage Quote

New mortgage – we can help...

Taking out a mortgage is one of the biggest commitments in most peoples lives, and unfortunately it can be difficult to make sure you’re getting the right deal.

Free advice from a professional mortgage adviser can not only make sure you get the right mortgage deal but can make the application process easier and reduce stress.

Buying a new home should be a fun and exciting experience, let us help you make sure it is.

Request a Mortgage Quote

Your Own Personal Adviser

We are boutique mortgage brokers, offering a personalised service to make your journey as smooth as possible.  Unlike with some larger brokers, you will deal with an actual qualified adviser from first contact and the same adviser all the way through the process. 

Your adviser will gain detailed knowledge and understanding of your unique situation, which in our experience really does make a difference in securing your mortgage and helps to deal with any issues that may arise.

Quality Advice

Why Use a Mortgage Broker?

There are two choices in the UK: go direct to each lender individually or use a mortgage broker.

Going direct can give the impression of having more control over the process, but can be more time consuming as paperwork and interviews often take several hours and have to be redone for each lender.

You will also be restricted to just some of the mortgages on offer, unable to access the range of “broker only” deals offered by lenders (although brokers cannot advise on direct to consumer deals). And unfortunately if turned down, you can leave a trail that could jeopardise any future applications you make.

Using a broker can help alleviate these issues, help you through the process and save you stress, time and money.

 

Ways to get in touch

Fill out our contact form and an adviser will call you back at a time that is convenient to you

Give us a ring for a Free no obligation discussion on how we may be able to help you: 01173 823 823

Drop us a line with any query you may have and we'll make sure we get back to you as quick as we can: contact@leafifa.co.uk

Knowledge Bank

The Advice Process

A Summary of a typical mortgage advice process – please get in touch if you have any further questions.

Finding the most suitable mortgage through a broker is a relatively straightforward process and can be done from the comfort of your own home.

The first step is to get in touch with us and arrange a consultation. 

The initial consultation can either be in person in your home, via video conferencing or over the telephone.  It will take around 30-60 minutes and will involve discussing your financial situation, the types of mortgage available and your budget.

We will then use the consultation information to scour the market to find the right deal for you, searching thousands of mortgages across reputable lenders, both big and small.

Once we have found the right mortgage we will get back in touch to take you through the findings, explain what we have found and if you are happy to proceed, submit your application for you.

You will likely need to provide some documentation such as Bank Statements and forms of ID, this will be discussed when you contact us.  Please note that there is no need to get your id certified (e.g. via a solicitor, accountant etc) as we are able to do this (as long as the meeting is via video conference/in-home).

Request a Mortgage Quote

The Advice Process

A Summary of a typical mortgage advice process – please get in touch if you have any further questions.

Finding the most suitable mortgage through a broker is a relatively straightforward process and can be done from the comfort of your own home.

The first step is to get in touch with us and arrange a consultation. 

The initial consultation can either be in person in your home, via video conferencing or over the telephone.  It will take around 30-60 minutes and will involve discussing your financial situation, the types of mortgage available and your budget.

We will then use the consultation information to scour the market to find the right deal for you, searching thousands of mortgages across reputable lenders, both big and small.

Once we have found the right mortgage we will get back in touch to take you through the findings, explain what we have found and if you are happy to proceed, submit your application for you.

You will likely need to provide some documentation such as Bank Statements and forms of ID, this will be discussed when you contact us.  Please note that there is no need to get your id certified (e.g. via a solicitor, accountant etc) as we are able to do this (as long as the meeting is via video conference/in-home).

How Can Leaf Financial Help You?

Frequently Asked Questions

We answer some of our most commonly asked questions below.  But if you would like to know more then please get in touch and we will be happy to answer any query you may have.

How much to save for a deposit is a big concern for first time buyers.

Prior to COVID-19, many lenders offered 5% deposit mortgages. However, due to the pandemic many lenders have tightened borrowing restrictions and raised the minimum deposit level to 15%. Lenders have said these are temporary measures designed to help banks cope with higher volumes of enquiries and fewer staff members.

Some lenders are able to accept lower deposits and you may also be able to boost your deposit amount – you may want to seek independent mortgage advice to help you find the right mortgage.

As it’s your first time purchasing a property, you’ll likely have many questions about the mortgage process and how it works. Let us break it down for you:

The first step in obtaining a mortgage is to arrange an appointment with an independent mortgage adviser who can look at the whole of the market to get you the best deal. The adviser will begin by discussing your personal circumstances and potential eligibility for a mortgage, taking into account different factors. They can then advise you on potential options, repayments and different types of mortgages.

With your permission, the adviser can pass the information on to a lender to apply for an agreement in principle, which is a document outlining how much a lender is prepared to lend you for a property. It should be noted that this is not a formal mortgage offer as the lender will require a satisfactory property valuation and may also be subject to change if your personal circumstances alter in any way. This means you’re ready to go out and start making offers on properties.

Once you’ve had an offer accepted, you should contact your mortgage adviser, who will gather all the purchase details, advise you about documents to prepare and take you to a meeting to apply for the full mortgage. It can take up to three weeks to get a mortgage approved.

Another key question and one that will determine the budget for your first home, is how much you’ll be able to borrow from a mortgage lender. While in the past, this was simply decided by your income – lenders would lend roughly up to three or three and a half times your annual income – in recent years other factors are taken into consideration as well

Lenders are increasingly focused on affordability, so they will take monthly commitments into account such as loan repayments and car finance. However, if you pay a bigger deposit then you may be deemed less risky and allowed to borrow a little more. Your credit history is also influential in determining how much you can borrow.

Guarantor mortgages are an option for first time buyer. They enhance your borrowing power as a guarantor is provided to the lender, so if the borrower stops repaying the mortgage, the lender can chase guarantors for the missed payments. This makes you less risky as a borrower and as such more likely to successfully apply for a mortgage.

Not all lenders offer guarantor mortgages and there can be a more restrictive lending policy in place for those that do. Get in touch with us if you’d like to find out if this could be a good option for you.

Most mortgages are arranged on a (capital) Repayment basis, which means every month you’ll pay a certain amount of the borrowed amount back along with the interest amount. The interest amount is calculated as a percentage of the total borrowed amount.

If you have a fixed rate mortgage, the interest rate on the amount you have borrowed will remain the same for a certain amount of time.

With a variable rate, the interest rate could change from month to month. Most tracker rates follow the Bank of England base rate.

If you’ve never owned a property before, and are interested in making your first purchase a buy-to-let, you may be limited as many buy-to-let mortgages require you to own your own property before they will offer a buy-to-let mortgage.

It’s worth contacting a mortgage adviser to fully understand the options available to you.

A key question that you’ll be asking yourself with buying your first home and getting a mortgage is where you should begin. We recommend booking an appointment with a Mortgage adviser to get some advice – for First Time Buyers the advice is free at Leaf Financial!

Our independent mortgage and protection specialists will take you through the mortgage process. They will start by arranging an agreement in principle, so that you can go out and start making offers on properties

Once you’ve had an offer accepted, your adviser can take you through the full mortgage application and remaining steps.

get in touch...

Give us a ring for a Free no obligation discussion on how we may be able to help you: 01173 823 823

Drop us a line with any query you may have and we'll make sure we get back to you as quick as we can: contact@leafifa.co.uk

Send us a Tweet

Find us on Facebook

Mortgage Advice Process

A Summary of a typical mortgage advice process – please get in touch if you have any further questions.

Finding the most suitable mortgage through a broker is a relatively straightforward process and can be done from the comfort of your own home.

The first step is to get in touch with us and arrange a consultation. 

The initial consultation can either be in person in your home, via video conferencing or over the telephone.  It will take around 30-60 minutes and will involve discussing your financial situation, the types of mortgage available and your budget.

We will then use the consultation information to scour the market to find the right deal for you, searching thousands of mortgages across reputable lenders, both big and small.

Once we have found the right mortgage we will get back in touch to take you through the findings, explain what we have found and if you are happy to proceed, submit your application for you.

You will likely need to provide some documentation such as BANK STATEMENTS AND FORMS OF ID, this will be discussed when you contact us.  Please note that there is no need to get your id certified (e.g. via a solicitor, accountant etc) as we are able to do this (as long as the meeting is via video conference/in-home).

We are boutique mortgage advisers, offering a personalised service to make your journey as smooth as possible.  Unlike with some larger advisers, you will deal with an actual qualified adviser from first contact and the same adviser all the way through the process. 

Your adviser will gain detailed knowledge and understanding of your unique situation, which in our experience really does make a difference in securing your mortgage and helps to deal with any issues that may arise.

Fill out our contact form and an adviser will call you back.

Give us a ring for a Free no obligation discussion on how we may be able to help you: 01173 823 823

Drop us a line with any query you may have and we'll make sure we get back to you as quick as we can: contact@leafifa.co.uk

Thank You!

Your Form has been submitted.  An Adviser will call you back shortly.