Hale Mortgages are a firm of Independent Mortgage Advisers  serving customers both locally and nationally. The firm offers it's new and existing clients mortgage advice together with a wealth of knowledge and experience from the Financial Sector.

Mortgage Adviser

Having an experienced mortgage adviser to help you through the process can save you stress, time and money.

Here are some of the key reasons to instruct a mortgage adviser:

  1. Impartiality. A mortgage adviser that you instruct represents you. He or she has no allegiance to the estate agent/vendor you are buying through or from, or even the mortgage lender.

  2. Experience. An experienced mortgage adviser will have dealt with many cases before and should know the type of properties to avoid, give tips on negotiation and provide some background to the legal pitfalls that can delay or stop a purchase in its tracks.

  3. Product knowledge. Whilst borrowing money is all about finding the cheapest rates there are subtle differences between mortgage products that you may or may not understand. Having an expert guide you through how best to use product features can lead to savings in the long term.

  4. A smooth journey. The person arranging your mortgage has the most detailed knowledge of any professional involved in the transaction.

Your mortgage adviser knows every element of the property purchase or remortgage because he or she interacts with every other key person in the deal. This in-depth knowledge is vital in advising you as to:

  • The progress of the transaction

  • Problems that may occur

  • Whether the proposed purchase is worth pursuing 


Not all mortgage advisers are the same, finding one that genuinely has your best interests at heart can make the whole process a lot easier and less daunting. We at Hale Mortgages take an interest in our clients and help them understand every step of the process including:

  • How much can you afford to borrow?

  • How much deposit do you need?

  • Which lenders will lend to you?

  • How much money will you need to cover moving costs and fees?

  • What will your total monthly outgoings be if you own your home instead of renting?

  • How much can you afford to borrow?

  • What size mortgage can you get?

  • Who do you talk to and how do you start?

  • What types of insurance will you need?

  • What type of mortgage is right for you?

Choosing the right mortgage product has become even more complicated in the last couple of years with lenders increasing interest rates and tightening criteria in a bid to minimize their risk.

With years of experience and access to all UK lenders, we are well placed to help you find the very best mortgage, even in this difficult climate. From first time buyers to buy to let investors, we have the expertise to make sure you get the most cost effective solution possible.


Contact us today if you would like to speak with us to organise a free initial consultation with one of our expert mortgage advisers.