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 REPOSSESED 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 CONSULATION 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