07710 411991
Mortgage Advisor in Bedford
Saving you money with expert mortgage advice, The Mortgage Arranger in Bedford offers tailored mortgage advice to help you save money and unlock financial opportunities. With extensive knowledge and a client-focused approach, we’re here to make your mortgage journey smooth and stress-free.
Call us today on 07710 411991 to discuss your mortgage needs and start saving money.
Fee-Free
30 Years' Experience
Transparency (No Jargon)
Your trusted partner in mortgage advice
Navigating the mortgage market can feel like a maze, but that’s where The Mortgage Arranger steps in. Serving clients throughout Bedfordshire, we specialise in providing expert advice tailored to your unique financial situation. Whether you’re a first-time buyer, re-mortgaging, or looking to invest, we’re here to guide you every step of the way. Our extensive industry knowledge ensures you get the most cost-effective solutions, while our client-focused approach means your needs always come first. Ready to take the stress out of mortgages? Let’s get started today.
“Saving you money is our business”
We offer a “fee-free” service unlike some other Mortgage Brokers. With our extensive experience in mortgages and protection our clients benefit from informed, tailored advice that reflects the latest savings and opportunities in the market.
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Saving you money is our business, and we take this responsibility to heart. By leveraging extensive knowledge and industry insights, we identify the most cost-effective mortgage solutions tailored to each client's unique financial situation. With an unwavering focus on client success and satisfaction, we work tirelessly to secure the most competitive rates and terms available, ensuring that clients can achieve their homeownership dreams without undue financial strain.
Services
Why choose The Mortgage Arranger?
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Over 30 years of experience in the mortgage industry.
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Free consultation to understand your needs.
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Tailored advice for first-time buyers, re-mortgaging, and investments.
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Comprehensive mortgage protection options for peace of mind.
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Client-focused approach ensuring your priorities come first.
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Extensive knowledge of the Bedfordshire market.
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Fully compliant advice for your financial security.
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Proven track record of satisfied clients and successful outcomes.
Our mission: Making mortgages simple
At The Mortgage Arranger, we believe that everyone deserves access to clear, honest, and tailored mortgage advice. With over 30 years of experience, we’ve built a reputation for helping clients in Bedfordshire achieve their homeownership dreams. We understand the challenges of navigating the mortgage market, which is why we focus on simplifying the process and delivering solutions that work for you. Whether it’s finding the best rates or ensuring your financial security, we’re committed to making your journey as smooth as possible. Let’s work together to make your mortgage goals a reality.
Hi,
I'm Darren
I live in Wootton with my wife Trudy and our two dogs Bailey and Coco.
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I have spent over 30 years within the Financial Services industry, working for Banks and as a Mortgage Broker.
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Outside of work, I enjoy a vibrant and fulfilling personal life. I have a passion for travel, exploring new cultures and destinations whenever possible with my wife. Additionally, I actively participate in local charities and community events, giving back and making a positive impact in my community. Family time is also a top priority, and I cherish moments spent with my wife, children and grandchildren, (better known as “Pops”) creating lasting memories together.
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What do mortgage lenders look for?A mortgage advisor needs to see that you have a good credit history and are able to meet your monthly mortgage payments. They will look at your bank statements, your credit scores, level of debt, monthly outgoings, regularity of income and other commitments to decide if you are eligible.
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How do mortgage lenders check my income?Mortgage lenders will look at your last 3 months payslips, and take into consideration an average of any commission, overtime or bonuses. Some may wish to see your P60’s for the last 2 years. In addition they may check your bank statements. They look at the stability of your work and whether you have any gaps in your employment. They are trying to find out whether your income is regular and reliable.
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What if I am self-employed?Most lenders will want to see your last 2 years Tax Calculations (aka SA302. Not SA100 Tax Return) and bank statements. From these documents they will average your last 2 years Profits if a Sole Trader, or Salary & Dividends if Ltd Company Director. However, some lenders will look at your Salary and share of Net Profit after Tax.
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How can I improve my chances of getting a mortgage?Six months before you wish to apply for a mortgage start preparing your finances so that you can be in the best position possible. It’s best to speak to your Mortgage Advisor at this stage to discuss the best way forward. Look at costs you can trim, make your monthly bill payments on time, avoid taking out additional loans and make regular down payments on any debt.
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How long does a mortgage application take to be approved?It can take two to six weeks to get a mortgage approved. This may be faster if you apply through a Mortgage Advisor who will find you the best deals for your personal circumstances.
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I have been self employed for 12 months can I get a mortgage?Yes. There are a few lenders that will consider just 1 years Accounts or Tax Calculations and their interest rates are competitive too.
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What is the maximum mortgage term these days?40 years.
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I’ve been told that I can only borrow 3 times my salary. Is that correct?No. Most lenders will lend you 4.49 times your salary with some going up as high as 4.75 times and 5 times. In special cases you could borrow 5.5 times and 6 times, depending on your profession and income. These are all subject to your other financial commitments.
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I have a CCJ, do I have to wait 6 years until it disappears from my credit report before applying for a mortgage?No. There are some lenders that will consider a mortgage application from you 6 months after you have received a CCJ or entered into an IVA. But be warned the interest rates could be very high.
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I have spoken to two other Mortgage Advisors and they have said that I cannot get a mortgage. What can I do?Speak to me! I enjoy exceeding expectations. There are over 70 mortgage lenders in the UK and I won’t leave a stone unturned.
Let’s talk mortgages today
Contact us now on 07710 411991 to book your free consultation and discover how we can help you save money and achieve your mortgage goals.
07710 411991
