01789201914 enquiries@capc.uk.com

CAPC Mortgage Brokers

CAPC is a specialist mortgage and protection brokerage providing a tailored advisory service, delivered face-to-face, via telephone or email, depending on your preference. At CAPC we have an experienced team of brokers who are able to review thousands of products, ensuring you get the best possible result.

What type of mortgage can we help you with?

Residential Mortgage

Commercial Mortgage

Contact our expert advisers now

Call free from landline or mobile

01789201914

How-To Guides

How does remortgaging work?

You may well have heard of remortgaging but never fully understood what it means. In layman’s terms, remortgaging is when you look to move from one mortgage deal to another, either sticking with the same lender or moving to a new one. A mortgage is likely to be your largest financial commitment…

How to decide where to live

Choosing where to settle down and call home is one of the biggest decisions to make. You might already know what area you want to live in and it’s just a matter of finding the right house. However, if you’re wanting to relocate to a new area then you have a few more decisions to make.

How to save money to buy a house

The upside to saving is not only will you have a sizeable deposit when you come to buy your house, but you will also be able to demonstrate to lenders that you are able to budget and save and are therefore more likely to meet your monthly mortgage repayments.

Need help deciding if a mortgage broker is right for you?

At CAPC we know buying a new home is a costly business. Aside from the main expense of the house itself, you have extra fees including: stamp duty, arrangement, valuation and mortgage brokers. It is natural to want to keep costs down. However, if you are looking for an efficient, well-informed and successful purchase, advice from a mortgage broker can be invaluable.

What is a mortgage broker and what do they do?

 To put it simply, a qualified mortgage broker is a financial advisor that specialises in mortgages. Their mission is to find a mortgage with the best terms and rates to suit your budget and requirements.

 At CAPC our specialist mortgage broker’s mission is to source you a mortgage that suits both your budget and your lifestyle.

 Our brokers have a wealth of experience in this industry. Additionally, they have access to thousands of mortgage lender’s criteria and rates. This combination allows our brokers to offer you tailored options based on your individual circumstances (including access to private banks for bespoke arrangements).

 To find out what mortgage offers you are eligible for and how much you can borrow, our mortgage brokers will need the following information:

 

  • deposit size
  • monthly repayment preferences
  • interest rates
  • personal information (credit history and outgoings)

 

Importantly, at CAPC you will not incur any costs until the mortgage application stage.

 Usually, buying a home is the most expensive purchase of your lifetime. We can help to make it your most informed.

What are the advantages of using a mortgage broker?

 There are many different factors to consider when selecting a mortgage.
The advantages of using CAPC mortgage brokers are as follows:

 

  • Our mortgage brokers are trained, qualified professionals with extensive knowledge of their field. Much of your time is saved by them comparing the market and helping you with the legalities of purchasing a home.

 

  • Our brokers are best placed to help you with your mortgage buying decision, we provide you with options based on your specific situation to ensure you do not end up with an unsuitable mortgage.

 

  • It is extremely likely using a qualified mortgage broker will save you money. Our mortgage brokers have access to thousands of lender’s rates at our fingertips allowing us to find you the best deals. Generally, the money we save you far outweighs the costs involved.

 

  • Our brokers also have access to private banks, allowing us to provide truly bespoke arrangements, usually used for large mortgages and tricky situations.

 

Overall, in a mortgage market that is increasing in complexity year on year, mortgage brokers can provide clarity. You will receive up-to-date, tailored information to enable you to make a confident decision. A great deal that will be suitable for your budget and lifestyle, saving you money, time and stress in the years to come.

 

 

What to be aware of when getting a mortgage broker?

 Before choosing a mortgage broker please consider:

 

  • mortgage brokers charge a fee for their services. This is not surprising as the mortgage market is constantly evolving – it is costly both on time and finances to keep up to date with all the lender’s criteria to be able to give top quality advice.

 

  • what type of mortgage broker you are dealing with. Some brokers are tied directly to one lender or a group of lenders. They are much more limited in the type of mortgage that they can recommend. Other mortgage brokers including CAPC can compare thousands of lenders, meaning you are far less likely to miss out on the most suitable mortgage deal.

 

  • mortgage brokers require some personal information to be able to supply you with suitable options. At CAPC we aim to provide a tailored funding solution. All the research we do depends on an individual’s specific requirements. We will be open and honest about how your personal information will be used.

 

CAPC is fully transparent with their fees, processes and handling of data. No money is taken until you have chosen whether to advance with a mortgage option. At this stage, you will be made aware of the costs before progressing your application.

 

Summary

 To conclude, Buying a home is usually the most expensive purchase in our lifetimes, so it makes sense to make the most informed decision possible.

 A mortgage broker is a financial advisor that specialises in mortgages. CAPC’s mortgage brokers have access to thousands of lenders enabling them, combined with their specialist knowledge, to present you with suitable options that are not only suitable for your budget, but for your lifestyle as well.

The advantages of choosing a mortgage broker include;

 

  • saving time
  • making the most suitable choice
  • saving money
  • accessing private banks for bespoke deals
  • ensuring your application is processed as quickly as possible.

 

 Before choosing to get advice from a broker be aware of the costs involved, what type of broker you’re dealing with and what information they require before supplying you with a suitable mortgage deal.

 If you’re still undecided about whether CAPC mortgage brokers are the right option for you, check out our testimonials from previous clients or pick up the phone and speak to one of our friendly team completely free of charge.

 

 

 

Mortgage Blogs

How does remortgaging work?

You may well have heard of remortgaging but never fully understood what it means. In layman’s terms, remortgaging is when you look to move from one mortgage deal to another, either sticking with the same lender or moving to a new one. A mortgage is likely to be your largest financial commitment…

How to decide where to live

Choosing where to settle down and call home is one of the biggest decisions to make. You might already know what area you want to live in and it’s just a matter of finding the right house. However, if you’re wanting to relocate to a new area then you have a few more decisions to make.

New HMO rules – 01/10/18

Two new pieces of legislation have come into force on 1st October will affect thousands of HMO landlords* and could result in big fines for those who don’t comply. With the potential to earn higher rental yields and the peace of mind that comes with knowing that if one tenant moves out you won’t fall behind with mortgage payments…

What does a mortgage broker do?

Does giving up a day of your time to sit in an office or bank, answering questions and filling out paperwork sound like your idea of fun? No. Ours neither. Most people assume that getting a mortgage means heading straight to your bank. But unfortunately, this can mean missing out on the right deal for your needs.

National Mortgage Index September 2018

“The Bank of England’s decision to raise the bank rate at the start of the month was well signposted, meaning that many lenders had already priced in a 25 basis point rise some months previously and as a result, the cost of borrowing following the announcement was mostly unaffected…

CAPC Attend TAG Conference

CAPC had a fantastic day catching up with accountants we already provide services to and meeting many new brilliant accountants who are looking to build relationships and give their clients the best all round service possible.

5 reasons why you might want to remortgage your home

Very rarely do you take out a mortgage and stick with the same one for the whole term i.e. 30 years until it is paid off and you’re mortgage-free (oh, the dream!). Each household is different and there are various reasons why you might look to remortgage. Perhaps you want to borrow more…

Are you investing or simply keeping your fingers crossed

For many years, it didn’t make a huge amount of difference whether people had an investment plan in place before they bought a property. Until 2004 for some and for others up to the credit crunch, average prices had enjoyed a rapid journey upwards, giving virtually everyone…

Are Student Lets a Good Investment

Although letting to students used to be considered the bottom of the buy to let market, it’s a very different proposition today. That’s because three key shifts have taken place in the market over the last decade: increased health and safety legislation for all rented properties, the expectation of a better standard of living from this generation of students and the growth of institutional investment.

Contact our expert advisers now

Call free from landline or mobile

01789201914

Your home may be repossessed if you do not keep up repayments on your mortgage.

There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances and loan amount. The fee is up to 1.5%, but a typical fee is 0.67% of the amount borrowed.

CAPC is a trading name of Christopher Allen Private Clients Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the financial conduct authority.

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