Frequently asked Questions

Q. Do you charge any fees?
A. No, we don't charge any fees for arranging a mortgage against property in the UK

Q. How can you operate without charging fees?
A. We are paid an introducers fee by the lender.

Q. Do I have to take out insurance through you?
A. No.

Q. What are the advantages in applying through yourselves?
A.

• We are on your side
• Unlike a bank or building society we are not tied to any one company
• We can source your mortgage from the 'whole of market'
• We have access to mortgages that are not directly available to the public.
• Because we are not tied to any lender we can offer objective, unconstrained advice.

If your initial application is rejected, we can submit the same documentation to another lender.

Q. What are the disadvantages?
A.

• It is uneconomic for us to visit you personally, all business will have to be transacted by post, telephone, fax and e-mail.
• We do not have access to direct schemes that some lenders offer to direct applicants or through their branch network

Q. Who are 'Mortgage Express', 'Platform' and 'The Mortgage Works'
A. Mortgage Express is a wholly owned subsidiary of Bradford and Bingley, Platform is part of the Brittania Building society and The Mortgage Works is a subsidiary of Nationwide

Q. If I lose money as a result of taking your advice, what protection do I have?
A. Our company has full professional indemnity insurance.

Mortgages Direct uk
2 The Crescent, Goodworth Clatford, Hampshire SP11 7RQ

Telephone: 08456 44 88 23
Fax: 01264 361564

e-mail: admin@mortgages-direct-uk.com