If you are looking for a mortgage to buy your first home, remortgage, move home or purchase an investment property, we are here to help. There is so much information available on the internet and it can be very confusing and overwhelming trying to decide which is the best mortgage for you. Understanding the complicated and time consuming application process can seem very daunting.
For most people, taking out a mortgage is the biggest financial commitment you will ever make, so choosing the right product for you is vital. Perhaps you have applied for a mortgage and been declined and you don't know what to do next. Everyone is different and our approach is to firstly get an in depth understanding of your unique circumstances and requirements.
For most people, taking out a mortgage is the biggest financial commitment you will ever make, so choosing the right product for you is vital. Perhaps you have applied for a mortgage and been declined and you don't know what to do next. Everyone is different and our approach is to firstly get an in depth understanding of your unique circumstances and requirements.
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I've worked in Financial Services since 2003 and having talked to hundreds of clients over the years one of their biggest struggles is that they find mortgages and the house buying process confusing and overwhelming. There is so much information available on the internet and even some conflicting advice on the best way to get a mortgage, that it can seem hard to know where to start.
It can also be a minefield of processes, paperwork and jargon, which can very quickly become overwhelming. Who does what? What's the right mortgage? What on earth is a loan to value? How much can you borrow? What is an Agreement in Principle? So much stuff to take in! We'll start the process by completing a detailed review of your circumstances, including income, expenditure & credit history, to get a thorough understanding of your situation.
There are many reasons to consider a remortgage. It may be because your special rate is coming to an end, and you'd like to switch to another deal to avoid reverting to your lender's Standard Variable Rate. You may wish to raise some capital from the equity in your home - for things such as home improvements, or you simply want to look at the market for a better deal.
There is no doubt about it, the mortgage market in the UK has seen some significant changes over the last few years, and certainly recently. Obtaining a mortgage has become more complicated, especially with the new affordability rules and lending policy changes. We've had clients contact us after they've been refused a mortgage on their new home, by their current lender - due to not meeting their new affordability rules or updated criteria.
It's really important to get professional advice, from both a whole of market mortgage broker and an accountant, to make sure you are getting the right product for your circumstances. Some lenders use varying tiers, depending on the applicant's tax band and the length of the product term - so placing your Buy to Let mortgage with the best lender to suit your circumstances is vital.
Reviews (10)
Leanne Austin
Oct 25, 2021
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Monique was recommended to us by a family member who used her service and she has been on hand to help us with everything we needed when buying our first home. Always easy to get hold of and gets back to us in a timely manner. She has helped us understand the processes of buying a house and has made it a smooth journey for us and that we understand what was happening. Defiantly glad we chose to go with Monique and would highly recommend to other people.
Annette Cole
Sep 03, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Monique and Bobbie were helpful and efficient from the start to the finish, meaning that the process was very quick. I have been very impressed with this service and I will be asking for help again in 2 years time. They have also helped my friend secure her first mortgage, since being separated. I highly recommend them.
Monique and Bobbie were helpful and efficient from the start to the finish, meaning that the process was very quick. I have been very impressed with this service and I will be asking for help again in 2 years time. They have also helped my friend secure her first mortgage, since being separated. I highly recommend them.
Onur Unsac
Aug 17, 2021
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Carolyne Creed
Jul 15, 2021
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I cannot thank Monique Jones at Willowgate Finance enough. Monique is incredibly knowledgeable, supportive and amazing at what she does. She has a deep understanding the market and will help you find the best product to suit your circumstances. I would never use anyone else. If anyone is in need of a mortgage advisor please check out Willowgate Finance Mortgage & Protection Specialists.
Paul Hunt
Jul 03, 2021
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Nathan Hazell
May 17, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
I would like to say a massive thank you to Monique Jones on completing our mortgage. You have been a massive help and you are amazing at what you do. I couldn’t thank you enough. If anyone is struggling to find a mortgage advisor please check out Willowgate Finance Mortgage & Protection Specialists.
I would like to say a massive thank you to Monique Jones on completing our mortgage. You have been a massive help and you are amazing at what you do. I couldn’t thank you enough. If anyone is struggling to find a mortgage advisor please check out Willowgate Finance Mortgage & Protection Specialists.
James Howe
Mar 29, 2021
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Lee Dakin
Feb 03, 2021
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Can't thank Monique at Willowgate Finance enough, we were not a straight forward case, classed as a mortgage prisoner unfortunately? First of all Monique had great knowledge in this field, unfortunately most banks didn't, if it wasn't for Monique's drive to find a lender who was up to date with new rules we'd still be stuck on an outrageous mortgage rate with no way of getting off it.
Kept us updated every step of the way, nothing too much trouble, wouldn't even think of using anyone else.
Great service, very helpful and certainly knows her stuff👏
Kept us updated every step of the way, nothing too much trouble, wouldn't even think of using anyone else.
Great service, very helpful and certainly knows her stuff👏
Scott Maynard
Jan 22, 2021
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I really can’t recommend Willowgate Finance Mortgage & Protection Specialists highly enough. Monique Jones helped me secure my very first mortgage in 2016 and has just recently renegotiated my second mortgage deal since that time. Highly professional and responsive, Monique made the whole process swift and painless.
Willowgate provides a superb service which I will continue to use in the future.
Willowgate provides a superb service which I will continue to use in the future.
Alicia Clare
Jun 03, 2020
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We had just been through a terrible few weeks with our bank for a mortgage application when we were declined - thought about giving up on the house we wanted, but then called Monique by chance from a Google search. She worked quickly and talked us through everything so well. We will be moving in a few weeks thanks to her. It is fantastic to have someone personal who is always at the end of a phone and replies to all emails quickly. Excellent service, professional, personable, would recommend to anyone.
