Adam Nanson, Managing Director at Your Mortgage Expert comments “I have now worked in financial services for 23 years. And the last 8 months stands out as particularly extraordinary. First, we had the disastrous mini budget from Liz Truss that resulted in mortgage rates soaring. Then we had continued stubborn inflation meaning that the Bank of England has risen the base rate 14 times in a row.

“I have felt fortunate to have a strong, stable business and such an experienced team around me to help navigate these tricky few months. I really do believe it has meant we have been better able to help our customers and to be a safe pair of hands.

“In fact, between us, our eight strong team now has 82 years of experience in the mortgage and protection markets. And all members of our customer facing team have obtained CeMAP qualifications. This means that, no matter who you speak to, you can be reassured that person understand the rules around mortgage and protection advice. 

“I also feel very proud that our clients continue to be our greatest advocates. In fact, a third of all our new enquiries come from client referrals. Which tells me that our clients trust the advice we provide as they are willing to recommend us to their friends and family.

“Added to that, our clients have now left 70 five-star reviews on Google. We know our clients are busy, especially if they’ve just moved house. So, when someone takes the time to leave positive feedback on Google, we genuinely know we’ve provided a good service to them.

“One of our other greatest achievements is the strong network of businesses we have built up over the last eight years. I am proud to be part of the thriving Salisbury business community. As part of what we like to refer to as the “Salisbury Property Hub”, we have built up a strong, carefully selected network of local property partners who are business contacts that are renowned for their customer service.

“With uncertainty over the forthcoming year, we believe impartial, experienced mortgage advice is more important than ever. With mortgage rates predicted to stay high until 2025, we believe it is essential that people get appropriate advice from an experienced firm like ours before making important financial decisions.”

By speaking to Your Mortgage Expert, you’ll get access to expert advice to help you work out how much you can afford to borrow. Whether you’re looking for a First Time Mortgage, a Buy to Let Mortgage, an Armed Forces Mortgage, or a Contractor Mortgage, they can help.

While online mortgage calculators can provide a good guide. They will take the time to fully go through your circumstances, let you know what your repayments would be and what type of mortgage is most suitable for your personal circumstances. And, if you need it, they can break down all the jargon, so you understand whether to opt for a tracker mortgage, fixed rate mortgage or something more flexible.

Not only do they have access to the current deals on the market, some of which are not available directly. Having access to over 90 lenders will ultimately save you time. As you won’t have to search or contact each individual lender to compare the mortgage terms and rates; they will do all that for you.

They don’t charge for the initial consultation, so by speaking to them, you are under no obligation. So why not get in touch for expert first time buyer advice and take that first important step. They are based in Salisbury but can help you no matter where in the UK you live. They can carry out face to face meetings for those based locally. Alternatively, They can carry out the whole process remotely via the telephone, email, or video call.

YOU MAY NEED TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU REMORTGAGE.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.