Mortgage Broker Watford

Get in touch for a free, no-obligation chat about how we might be able to help you. 

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Why choose a Mortgage Broker in Watford?

If you’re thinking of buying a house in Watford or the surrounding areas it always helps to get support from people who know the local market. IMS Financial have been based in Hertfordshire for more than 30 years, and we know Watford’s housing market inside out.

Whether you’re looking to make an offer now, or are just starting out on your home-buying journey, we can help you through every step of the process.

What does a Mortgage Broker do?

Mortgage Brokers are specialist financial advisers that focus on the mortgage market. They provide impartial insights into all kinds of mortgages, whether you’re a First Time Buyer, a home mover or seeking a buy to let mortgage.

Mortgage Brokers explore your specific financial situation and make impartial recommendations about the most suitable types of mortgage, the lenders and all the details to help you make the right decision. They’re trained to make it easy to understand the various products, so that you feel informed about the home buying process and what to expect.

As brokers who are authorised and regulated by the Financial Conduct Authority we are a good source of mortgage advice.

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What are the benefits of using a Mortgage Broker?

When you find a beautifully presented Watford home in your price range, you’ll want to make an offer straight away. The first step is to know how much a mortgage lender might allow you to borrow.

You might choose to go straight to your bank for details. After all, they know you and your finances well. But they’ll only talk to you about their own products, which might not be too competitive and could end up costing you more.

Talking to a broker will give you a broader picture. Our Mortgage Advisers spend time getting to know you and your financial situation, and will compare products across the whole mortgage industry. They also know which lenders are the most likely to accept you based on your personal finance situation.

That way you can be sure that you’re offered competitive interest rates and repayments that will be affordable. 

Many people find it helpful to talk to a broker at the outset of the homebuying process, to get a good understanding of what they need to consider when buying a home, the property value they should aim for and how they can improve their chances of getting a good deal.

What services are offered by a Mortgage Broker?

A Mortgage Broker will help you with every stage of the homebuying process, from getting a mortgage agreement in principle through to completing the application and securing the loan.

They will also make relevant recommendations about other financial products that will help to protect you and your property in Watford for the long term. This could include life insurance, contents and buildings insurance and income protection cover.

We can help you explore all the different types of mortgage too, for First Time Buyers, remortgaging and buy to let mortgages. We’ll help you decide between a fixed rate, tracker rate, variable rate, interest only or capped product, depending on your specific situation.

Because we’re well established in the Watford area, we can also connect you with other local experts for anything that doesn’t come under our own list of services. We’re also easily accessible and always available for a chat.

What are the benefits of using a local broker?

By choosing a broker local to where you want to buy, you can access useful knowledge. At IMS we’re very familiar with the best areas and the most desirable streets and roads Watford has to offer. So if you want to know if the home you’ve found – complete with fitted kitchen, off street parking and rear garden – will be easy to get a mortgage for, we can help.

Each IMS Mortgage Adviser in Watford knows the market well. We’ll be able to tell you if your conveyancing is taking longer than usual, or if you need to worry about what’s happening in the upper chain for your purchase, thanks to our experience of the Watford market.

The only thing we can’t do is help you decide on the colour scheme for your living room, or help you move into your ground floor flat!

IMS is registered in England and fully regulated. Our Mortgage Advisers are experienced, qualified and friendly. We make buying a home clear and straightforward. Give us a call today.