We have access to 1000's of different mortgage deals to fit your circumstances, our expertise with the lenders will help guide you to the most suitable mortgage deal. At Bright Money Independent, our mortgage brokers assist thousands of people to secure the right mortgage and insurance deals. It can be a complicated process, but you can relax knowing you have an expert at BMI, helping you from start to finish.
Our ethos is to provide people with clear and simple tailored solutions, that they may not find elsewhere. We expect you to be so impressed with our knowledge and service, that you recommend us to friends and family. Our brokers offer free, comprehensive mortgage advice, which considers the new tax implications for landlords.
Our ethos is to provide people with clear and simple tailored solutions, that they may not find elsewhere. We expect you to be so impressed with our knowledge and service, that you recommend us to friends and family. Our brokers offer free, comprehensive mortgage advice, which considers the new tax implications for landlords.
Services
We expect our clients to be so impressed with our industry-leading advisers, that they will happily recommend them to friends and family. At Bright Money Independent we work hard to get you the most suitable deal possible, our advisers have helped thousands of people find the right deal on their mortgage and life assurance.
When we help you choose a mortgage, we don't just focus on the interest rate and fees charges, we will also consider the best mortgage type to suit your needs. Below you will find the advantages and disadvantages of each mortgage type. With fixed rate mortgage deals, you will pay the same amount for the length of the deal no matter what happens to the Bank of England base rate.
If you're a first-time-buyer or climbing the property ladder, our advice will help you understand the new requirements for mortgage lending. Our ethos is to provide people with clear and simple tailored solutions, that they may not find elsewhere. A safe calculation is 4 times income; however some lenders will let you borrow 5 times income.
Each lender will have a different view on the clients they are trying to attract and therefore it is not unusual to get a different maximum loan from various different lenders. In assessing the maximum loan amount a client can have each lender has some type of affordability calculator. This looks at the different types of income, the age of the client, term of the mortgage, outgoings and dependents.
If you are looking to move with limited deposit, the new government scheme 'help to buy' is here to help. There are two help to buy schemes; H2B Equity Loans for new properties and H2B Mortgage Guarantee for older properties. Equity loans are open to both first-time buyers and home movers on new-build homes in England.
Reviews (10)
Hongfei Wang
Nov 24, 2021
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Sana Wahid
Nov 23, 2021
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Darren and the team at BMI are absolutely incredible – I cannot recommend them enough. Darren is very experienced and conversations with him really helped me to understand my financial options to make the optimal investment for me with the most suitable provider. He runs a great team - Nicki guided me through the end-to-end process, always ever so helpful, transparent and highly responsive. Excellent service from start to end, it was clear, easy and I felt very supported during a stressful time. Thank you so much, BMI!
Laura B.
Nov 14, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Clementine has been amazing from start to finish. She has helped us on a number of tricky mortgage applications and consistently provides excellent service, going above and beyond regularly. I would (and do regularly) recommend her to anyone!
Clementine has been amazing from start to finish. She has helped us on a number of tricky mortgage applications and consistently provides excellent service, going above and beyond regularly. I would (and do regularly) recommend her to anyone!
Reshma Ramracheya
Oct 06, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
This was out third time interaction with the brilliant team at BMI. As before we have been very pleased with the service that we received with our remortgaging requirement. We were able to complete in just 5 weeks with no issues at all. I highly recommend their services!
This was out third time interaction with the brilliant team at BMI. As before we have been very pleased with the service that we received with our remortgaging requirement. We were able to complete in just 5 weeks with no issues at all. I highly recommend their services!
Aileen Garven
Aug 14, 2021
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There is nothing more reassuring than engaging the services of a highly professional mortgage broker to help you secure the home of your dreams. Darren Meehan is a leader in his field of expertise. My partner and I used Darren to help us find the right mortgage solution to buy our home for life. Our situation was far from straightforward but Darren and the Bright Money team kept us informed at every step of the way and we have now exchanged contracts and soon to move in. I can't thank Darren and Chloe enough for their diligence and customer care. It is without doubt a Platinum Service and I would
Sam Ratcliffe
Jul 24, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
We had Clementine as our mortgage advisor for our first home purchase and throughout the process she was professional, helpful, and above all we had complete trust in her. I will not hesitate to recommend her to friends and family and I'll definitely return in the future for her help and advice. Thank you ever so much Clementine!!
We had Clementine as our mortgage advisor for our first home purchase and throughout the process she was professional, helpful, and above all we had complete trust in her. I will not hesitate to recommend her to friends and family and I'll definitely return in the future for her help and advice. Thank you ever so much Clementine!!
Handong
Jul 04, 2021
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Clementine and her colleagues are very friendly, work professionally and efficiently.
I would highly recommend 5 stars and would be very happy to introduce them to my friends. She is an outstanding mortgage broker, it is so lucky for me to know them.
I would like to say thank you again and hope her business grows up in the future. Best wishes.
I would highly recommend 5 stars and would be very happy to introduce them to my friends. She is an outstanding mortgage broker, it is so lucky for me to know them.
I would like to say thank you again and hope her business grows up in the future. Best wishes.
Morgan Cai
Jun 27, 2021
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AMAZING SERVICE from Clementine. From start to finish she has been on hand with almost immediate responses, even during unprecedented market conditions, to ensure that every one of my queries was rapidly answered and investigated. I would 100% recommend Clementine to anyone who is looking for help to obtain a mortgage as she has made the process easier.
Merin Black
Jun 22, 2021
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Will recommend Clementine to everyone, she was absolutely amazing and took all of the stress away from the process through being responsive to both calls and emails and so knowledgeable. Can’t speak highly enough of her and there was no charge for her service! She found a mortgage for us when we had been told by many mortgage brokers beforehand that we would be unable to get a mortgage for the property we were buying but she found one straight away and has now got our mortgage approved! Highly recommend Clementine and will definitely ask for her help again in the future!
Abbie Godbold
Jun 20, 2021
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Positive: Professionalism, Responsiveness
Really lucky to have Clementine on my side as a first time buyer! Could not recommend her enough, she has given me such peace of mind through what should be a rather stressful time. Found me a really great mortgage offer, insurance and the rest, and has been able to answer all my never ending questions being new to the process!
Really lucky to have Clementine on my side as a first time buyer! Could not recommend her enough, she has given me such peace of mind through what should be a rather stressful time. Found me a really great mortgage offer, insurance and the rest, and has been able to answer all my never ending questions being new to the process!
