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"The best time to buy property was many years ago. The second-best time is now."
Ray Brown

Independent mortgage advice

Finding the right mortgage can be a daunting task. That’s where an experienced and independent mortgage adviser comes in. Working with an independent adviser offers several benefits, including access to a wider range of products, expert advice and guidance, and potentially better deals.

Typically, you may feel compelled to go direct to your bank, or high street lender. However, there are so many benefits, some mentioned above, to seek the advice of a professional adviser.

Looking for a mortgage adviser?

For a free initial consultation with one of our advisers, call  020 3740 5856

Our service

At Sterling & Law, our team of independent advisers offers a comprehensive service tailored to your needs. Our service covers the entire process, from initial consultation to completion, to ensure that you get the right home loan for your unique circumstances.

Why work with an independent mortgage adviser?

An independent adviser is not tied to any specific lender or product, which means that they can offer you unbiased and impartial advice. Here are some key benefits of working with an independent broker:

  • Access to a wider range of products
  • Expert advice and guidance
  • Personalised service and support
  • Potential for better deals and rates
  • Assistance throughout the entire process

Working with an independent mortgage broker offers expert advice, personalised service, and access to a wider range of products, helping you find the best deal for your needs.

The different types of mortgages we advise on

There are several different types of mortgages available in the market, each with its own set of features and benefits. Our specialists can help you navigate the different types of home loans, including those for:

  • First-time buyers
  • People re-mortgaging
  • Buy-to-lets
  • Investment properties

Whether you’re a first-time buyer, looking to re-mortgage, or investing in a buy-to-let property, our independent advisers will help to find the right home loan for your unique circumstances.

Need mortgage advice?

For a free initial consultation with an independent mortgage adviser, call  020 3740 5856

Our independence 

Our independent status means we are not tied to any one lender or panel of lenders. By completing our online enquiry form, you will get all the benefits of a qualified, professional, independent financial adviser acting on your behalf to find the deal that suits you best.

Don’t forget that we work for you and not the lender or estate agent, so can offer impartial mortgage advice no matter what your circumstances may be.

We have learned that having an adviser who understands your circumstances makes a difference in securing your home or investment residence.

Looking for advice? Schedule a free consultation

If you’re looking for independent mortgage advice, we offer a free consultation with one of our expert advisers.

Our advisers will take the time to understand your unique circumstances and recommend the right del for you. Contact us today to schedule your free consultation.

Contact us today

If you have a query for us, please fill in this short form. We aim to respond within a few hours. 

Your Mortgage Advisers

Looking to discuss a requirement?

If you’re looking for independent advice, we offer a free consultation with one of our expert advisers. Our advisers will take the time to understand your unique circumstances and recommend the right product for you. Contact us today to schedule your free consultation.

Find a local adviser from the list below.

FAQs

There are various mortgage types including fixed-rate, variable-rate (including tracker and discount), offset, and interest-only.

Each has its advantages and potential drawbacks. An independent adviser can help you choose the most suitable for your circumstances.

Yes, our mortgage advisers are independent.

Working with an independent adviser offers significant benefits. They have access to a broad range of products from various lenders, including deals not directly available to the public.

This means they can provide unbiased advice tailored to your specific needs and circumstances, potentially saving you time and money.

Furthermore, they guide you through the entire process, ensuring a smoother transaction.

We have mortgage advisers in London, the Home Counties, and Gloucestershire. They offer fully independent mortgage advice services and are professional, experienced, and knowledgable. 

Our fees are transparent and clear. 

We charge a fixed fee for our mortgage advice services. However, we offer a free initial consultation where we take the time to understand how we can help you best and what type of home loan is right for you.

Fixing your mortgage rate can be a smart move. It gives you peace of mind knowing your payments won’t change even if interest rates do. This makes budgeting a whole lot easier. But remember, it’s all about what works best for you.

Don’t forget to consider getting some independent  advice before deciding.

We suggest definitely thinking about getting some mortgage advice before you start looking for a property or thinking about remortgaging. A mortgage adviser can show you what you can realistically afford and guide you toward the best product for your situation.

Plus, they can make the whole application thing a lot less hassle!

You might be wondering, ‘why do I even need mortgage advice?’

Well, it’s a bit like having a money-saving guru on your side. Mortgage advisers have access to all of the available mortgage deals you might not find on your own.

Plus, they’re experts at making sense of all the tricky small print and handling the paperwork. Also, they can guide you through the maze of options and help you avoid potential pitfalls.

In the end, getting some solid advice could save you lots of money down the line. It’s definitely something worth considering if you’re stepping onto the property ladder or thinking about remortgaging.

Imagine having a personal guide to lead you through the mortgage minefield. Securing the best mortgage for your needs can be a long, stressful process.

They start by getting a good understanding of your finances and what you can afford. Then, they match you with the best deals out there – the ones that fit just right for your situation.

But their job doesn’t stop there. They’re also there to help you navigate the whole application process, which can be a real headache if you’re going it alone. Moving house or buying your first home can be stressful enough. 

They communicate with lenders, solicitors, and surveyors on your behalf, ironing out any bumps along the way to make sure everything goes as smoothly as possible. 

Absolutely, you can definitely get advice from your bank or high street lender. However, they can only offer you their own products and deals. A mortgage adviser, on the other hand, has access to a wider market and can find deals that might not be available from your bank.

Plus, they’re not tied to any specific lender, so their advice is impartial. This means they can truly focus on finding what’s best for you, not just what’s best for the bank. And let’s face it, who doesn’t like more options and personalised service when making such a big financial decision?

Sure, as a first-time buyer, mortgage advice can be a real benefit to you, potentially saving you time, money, and hassle.

It’s a complex world out there and having a professional on your side can make it all less daunting. They’ll explain the terminology, find deals you might miss by going it alone, guide you through the process, and help you figure out what you can comfortably afford.

As a first-time buyer, getting independent advice is definitely worth considering!

Contact Sterling and Law

If you have a query for us, please fill in this short form. We aim to respond within a few hours.

Please see a selection of recent reviews and testimonials our financial advisers have received

5/5
Very efficient and professional, explained the processes very clearly. My adviser understood what I wanted to achieve, he made things easy to understand and explained the more complex issues in layman’s terms.
KC - Brentwood
5/5
My adviser is very easy to get on with, entirely reliable, friendly, seriously knowledgeable and helpful, often going the extra mile and taking as much time as I need.
BR - Gillingham
5/5
My adviser understood my situation very well. His advice and help made the whole process very simple, taking most of the strain off of my shoulders. If I needed financial advice again Sterling & Law would be my first port of call and I would recommend their services to anyone needing advice or support.
TS - Essex
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