Finding You The Best Deal


WHAT IS A GOOD DEAL?

 
 
 
 
HOW MUCH COULD I BORROW?

FINDING YOU THE BEST DEAL

A mortgage is likely the largest loan you will ever take out in your lifetime – and the right mortgage deal for your circumstances can save you £1000’s  in long term costs.

Mortgages can differ in many ways, making it hard to compare like for like. Roots has access to over 12,000 mortgage deals from more than 90 lenders – more than anyone else in the UK. But what are the best tips to ensure you get the best deal possible?

  1. Understand what you borrow: It sounds obvious, but before you start you should ensure you know roughly how much you can look to borrow. Use our Mortgage calculator tool to get an indicative guide in a matter of seconds.
  2. Avoid your bank: when it comes to searching for a mortgage the most logical place to start is often your bank. However, this is limiting yourself to just a handful of mortgage deals, and you’d have to be very lucky to find that the best deal available to you was ready and waiting there for you.
  3. Use a broker: many lenders i.e. banks and building societies don’t offer their best rates direct, instead they offer these via tried and trusted brokers, such as Roots. This means we often have better deals than you could source yourself.
  4. Types of mortgages: fixed rate, discount rate, tracker, cashback, inclusive of valuation fees – the list goes on in terms of the various types of mortgages that are available. By using a broker we listen to you and advise on the best type of mortgage deal for your circumstances – giving you your time back.
  5. Talk to a mortgage advisor: This is where we suggest you speak to Roots! We have access to more than 12,000 mortgage deals from over 90 lenders, and it’s all free and with no obligation when getting advice from us. We do charge a fee, but only at the stage when a lender has offered you a mortgage. 

Not quite ready to start the mortgage process just yet? Maybe you have a question you want answering? That’s fine, we’re here to support you when you need us – just contact us and we’ll be happy to help.

BOOK A FREE NO OBLIGATION MORTGAGE APPOINTMENT

WE PLAY BY THE BOOK

You may have to pay an early repayment charge to your existing lender if you remortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £650.

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