Proper Mortgages. Proper Advice.
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About Us
Buying or refinancing a home is a major milestone, and the process should be as seamless as possible. At Proper Mortgages, we have designed a streamlined experience to ensure that whether you are buying your first home, investing in property, or servicing an existing loan, you are informed and empowered from start to finish.
Why Use a Mortgage Broker?
Mortgage Brokers work for you, not the lender and as a result, it is our job not only to ensure that you end up with the best deal that we are able to secure, but also to streamline the process. We search across a comprehensive panel of lenders to find the specific options that align with your wants, needs and long-term financial goals. We take the time to understand your unique situation, translating complex financial jargon into plain language. Our role is to:
Monitor Rates:
Securing a rate from the outset is just the beginning. We monitor interest rate movements so that you continue to benefit from reductions throughout the process.
Smart Loan Structuring:
Setting up your mortgage intelligently will save you money over time. We outline all of your options from the outset so that you are properly informed when you come to make important decisions.
End-to-End Management:
We handle your application and paperwork to save you time and to maximise your chance of approval. We also deal with 3 rd parties on your behalf so as to streamline all processes.
Professional Advice, Personal Service
With deep industry knowledge and a commitment to transparency, we provide the insights you need to make decisions with confidence. At Proper Mortgages, your goals drive our advice, and your success is our priority.
How we can help:
Protection
Whether you are a first-time buyer or an experienced landlord managing an extensive portfolio, securing the right protection is essential. At Proper Mortgages, we offer more than just loan advice; we provide access to a bespoke panel of reputable insurance providers. By searching across a range of specialist policies, we secure competitive premiums tailored to protect your property, your family, and your future.
First Time Buyers/ Moving Home
Calculate your maximum borrowing budget
Provide clear quotes and detailed figures so you know exactly where you stand
Secure a Decision in Principle to strengthen your position when making an offer
Manage your full mortgage application, liaising with lenders and third parties on your behalf
Guide your application through to formal mortgage approval
Help you get the keys to your new home as quickly and smoothly as possible, with ongoing support throughout the entire journey
Mortgage Renewals/ Raising Capital
Contact you up to six months before your fixed rate expires
Provide clear quotes and tailored figures based on your circumstances
Secure and reserve a new mortgage deal up to six months in advance
Continuously monitor interest rates and notify you if better options become available, ensuring you benefit from the most competitive deal
Buy-To-Let Mortgages
Whether you are an experienced landlord with a portfolio of properties or you’re completely new to the Buy-To-Let world, we are here to help. We help our clients to fully understand the Buy-To-Let market and we provide them with bespoke quotations when the time comes, offering continuous support throughout. We can also maintain and help to manage the mortgages across your portfolio and we do not typically charge for this service. Please note that some forms of Buy-To-Let mortgages are not regulated by the FCA.
Fee Structure
At Proper Mortgages, we don’t charge our clients up front. Any fees that are payable will be disclosed to you from the outset and will only be payable once your mortgage has been approved. If we can’t help, you won’t be charged at all
We don’t charge clients to handle their mortgage renewal, and our fee structure is broken down into the following tiers:
Standard Fee: £200 – For most regular purchases including Buy-To-Let
Complex Fee: £400 - For more complex applications/ some smaller mortgages
No Fee – For like-for-like renewals, so letting us maintain and manage your mortgage in the future doesn’t mean racking up a larger bill
Get in Contact Today!
LIMITED COMPANY:
Proper Mortgages Ltd is an appointed representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance and consumer credit mediation activities only.
Registered address; Bayside Business Centre, 48 Willis Way, Poole, Dorset, United Kingdom, BH15 3TB. Registered in England & Wales under number 16707999.