Looking for the Best Mortgage Rates?


Whether you are looking to purchase a house, re-mortgage it or just having a quick look to see what rates are available, there are 2 mains options. Nowadays a lot of people will go on to comparison websites to try and find the cheapest deal - but is this really the best way to do it? Lets have a look...

Comparison Sites


Some of these sites will show you the rates available from most lenders after typing in a few details, but don't take into account your personal circumstances.
For example; some will not accept your employment type, accept benefits you may be on as income, accept the term you want due to your age or accept the repayment type ie repayment or interest only.
The list is literally endless as to how your circumstances will affect the best lender for you.
So while you think you are saving time by searching online for this information, a lot of people will find than when the application has been processed that they are declined for one reason or another.

Other sites work in a very different way:-
Once you have typed in all your details you will see a message reading something along the lines off ' thank you for your enquiry, an adviser will contact you within the next hour '. Straight away you are thinking to yourself, stuff that, all I wanted was to have a quick look at interest rates.
What most people don't realise is that your details are then auctioned off to the highest bidder. Brokers will buy your details from various websites for anything from £40 per lead to literally £000's for batches of leads. This leads to pressurised selling, someone that has purchased your details will be doing all they can to sell you a mortgage so they can recoup the money they have spent.

Independent Mortgage Advisers


For the vast majority of people buying a house is the single biggest investment they will make in their lifetime, so why not speak to an expert about it! As explained above most sites will simply pass on your details to the highest bidder, so why not pick up the phone or email an IMA, of your choice, for more information. Most do not charge a fee, can take into account your personal circumstances and within 5 minutes have explained to you the cheapest rate available.

Probably why most people don't do this is because they feel they will be pressurised into taking the product immeadiatly or will have someone calling at the door within 5 minutes.

At NMC Finance, this is simply not the case. We operate throughout Northern Ireland and are here to help. Whether you just want to see if you are on the best rate, are thinking about buying or re-mortgaging or would just like a quick chat about what options there are, we can help.
We do not charge fee's for mortgage advice and will not put pressure on you for appointments. You will receive honest impartial advice about which product is right for you. Please note that if we feel your current product is the best one for you, you will be told this.

If you would like to speak to someone at NMC Finance please email us using the link below, with your details, and someone from the company will be in touch a.s.a.p

nmcfinance@aol.co.uk