FIRST TIME BUYER
When you’re buying your first home it can seem scary, we hope to eliminate some of that stress, our mortgage advisors always have the mind and well being of the client at heart, this is why we offer a free consultation so that you can still focus on other finances without worrying about having another thing to pay for.
It always happens when you least expect it If you become ill or suffered from an injury that would affect your working ability for days, weeks, months or even years. We will ensure that you have sufficient funds to keep on top of payments such as Mortgage’s, Insurance, Food living costs for yourself and all dependants. So that you can focus on recovering and not have to worry about loans or breaking into your savings
The last thing you want to worry about when you’re unable to work is the roof over your head, Mortgage Payment Protection Insurance ensures that in the event that you can not work causing insufficient income, your mortgage will be covered until you can work again
Welcome to Baltic Mortgage Solutions
We are committed to finding suitable competitive deals for our clients, whatever their circumstances and we believe strongly in providing friendly, honest advice from someone you know you can trust.
We have many years of experience working for banks, building societies, insurers, estate agents and brokerages, so before making any decisions, give us a call, drop us an email or fill in our contact form to see what we can do to help.
At Baltic Mortgage Solutions it is all about customer service, there is no patronising talk, jargon, sales pitch or small print, what you see is what you get. Whether you are a first time buyer, re-mortgaging or simply looking to raise extra funds, we will endeavour to go that extra mile to remain one step ahead of the competition. We are looking to build long term relationships with clients built on honesty, trust and mutual respect.
As a result of the mortgage market review which was a study carried out after the 2008 credit crisis it was deemed necessary for more stringent checks to reduce risky lending.
This review came into force in 2014 and immediately had an impact on the full mortgage market as we saw much slower turnaround times for mortgages to be processed and the lenders are declining a lot more cases as a result. This cements the need for specialist assistance in packaging a mortgage application as well as finding the best value mortgage product.
Poor quality of applications being submitted directly to lenders from customers and also through branches are causing a higher level of mortgage applications being declined and this impacted on the volume of clients using brokers rise sharply since 2014.
As brokers can in many instances get access to exclusive deals not available in branch or direct to lender it begs the questions why would anyone not visit a broker first?
This trend is only likely to continue as the new financial services industry evolves and in the same way that Baltic Mortgage Solutions thrived and evolved in the wake of the credit crunch and provided fantastic service to our clients we will continue to be there again in through future changing and challenging times.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
COMMERCIAL MORTGAGES, MOST FORMS OF BUY TO LET MORTGAGES AND MOST FORMS OF BRIDGING FINANCE ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY
FOR MORTGAGE ADVICE, OUR INITIAL CONSULTATION IS FREE, HOWEVER, WE MAY CHARGE A FEE FOR PROCESSING YOUR MORTGAGE APPLICATION. THE PRECISE AMOUNT WILL DEPEND UPON YOUR CIRCUMSTANCES HOWEVER WE ESTIMATE THAT IT WILL BE BETWEEN £195 AND £495