Proper Mortgages. Proper Advice.
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About Us
Here at Proper Mortgages, we have streamlined the process of applying for a mortgage. We will outline your budget from the outset and then handle your mortgage application from start to finish to minimise timescales and maximise outcomes. The support doesn’t stop there, we also monitor rates for all of our clients whilst the application is ongoing, and in the future when it comes to renewing the mortgage. We don’t charge up-front fees and we are honest and up front about the charges you stand to incur.
How we can help:
First Time Buyers/ Moving Home
Calculate your maximum budget > provide you with quotes and figures > get you a Decision In Principle > handle your mortgage application and deal with the lender and third parties on your behalf > get your mortgage application approved > help you get the keys to your new home as quickly as possible whilst offering continuous support throughout the process
Mortgage Renewals/ Raising Capital
Contact you 6 months before your fixed rate expires > provide you with quotes and figures > reserve a new deal up to 6 months in advance > continue to monitor interest rates for the months that follow, notifying you if and when better deals become available that you can benefit from
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 (whether you own 1 or 100 properties) without charge, as you can see below
“At Proper Mortgages, I’ve built our service around honesty, clarity, and genuine care. My goal is simple: to make every client feel confident and supported at every step of their mortgage journey.”
- Glen Toward
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