Expert Guidance Every Step of the Way
Your property may be repossessed if you do not keep up repayments on your mortgage.
What Does a Mortgage Broker Do?
A mortgage broker ensures your mortgage experience is as smooth and enjoyable as possible. Whether you’re buying a new home or remortgaging an existing property, they guide you through every step of the process—from the initial consultation to the final completion—minimising stress and handling the details so you can focus on your goals.
Mortgage brokers offer more than just advice; they actively manage the process for you. When buying a home, they liaise with estate agents to ensure a smooth transaction. Whether buying or remortgaging, they also work closely with solicitors to handle the legal aspects of the process. These services take the stress off your shoulders, although clients who prefer to manage these communications themselves can still benefit from a broker’s expert guidance.
Supporting Clients
Many clients return to us when it’s time to remortgage or explore buy-to-let opportunities. Remortgaging is especially popular in today’s market, where interest rates are higher than in previous years. We proactively contact our clients six months before their current deal expires to ensure they secure the best options early in the process.
Mortgage Protection
Mortgage protection is one of the most important aspects of securing a mortgage. Without it, families or individuals may face financial hardship if unforeseen events, such as illness, prevent them from making payments. Mortgage protection ensures that you can keep your home safe, even in challenging circumstances. For every mortgage we arrange, we emphasise the importance of including this critical safeguard.
Helping with an Agreement in Principle
Key services include helping you secure an Agreement in Principle (AIP)—a critical step that confirms your mortgage eligibility and reassures estate agents and sellers that you’re a serious buyer. In addition, brokers provide ongoing support, contacting clients well in advance of their remortgage term ending to ensure they always have access to the best deals. For landlords, brokers also offer specialist advice on buy-to-let mortgages, supporting both new and seasoned property investors.
A crucial part of the process is ensuring clients are protected. Mortgage protection safeguards you and your family against unforeseen challenges, such as illness, that could affect your ability to make payments. This protection provides peace of mind, ensuring you can keep your home safe no matter the circumstances.
When should I see a mortgage broker?
Ideally, before you consider anything in respect of buying or selling. Before anybody views a property they should see a broker. That’s really to establish both affordability for mortgage payments and how much you could borrow.
Then you can go with confidence to look at properties. A lot of people have come to us over the years where they’ve viewed a home and sometimes put an offer in before they even know what they can borrow. It’s really important to meet a broker & the services they can offer before they do anything in the process of buying houses.
In terms of the process, first we’ll meet you face-to-face, with a budget in mind. Come in to see us with bank statements and pay slips and we can agree on a budget before you start looking. That’s the key to a successful mortgage application – getting a budget agreed before you start seeking a home.
Does it cost for an initial consultation with you?
No, it doesn’t. The overriding principle we have here at Appletree is that we like to hold our clients’ hands from the initial consultation until they get their house keys. We want you to sit back and relax.
Buying and remortgaging properties can be a stressful process, and that’s why we’re here. We’re here to do all the hard graft and make sure that the process is quick and efficient with regular service updates from us.
After 30 years I can honestly say that it’s so rewarding to help clients. Speaking to someone who’s just moved into a property – or completed a remortgage and didn’t expect it to happen so quickly – still gives me a buzz.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up with your mortgage repayments.
You may have to pay an early repayment charge to your existing lender if you remortgage.
The Financial Conduct Authority does not regulate most Buy to Let Mortgages.
Approved by the Openwork Partnership on 27/11/2023
Vulnerable Customer
We understand that from time to time our clients may find themselves dealing with circumstances which could mean they are potentially vulnerable. For example, a change in health, caring for a family member or coping with the loss of a loved one. There are many different types of vulnerability, and what makes one person vulnerable might not affect someone else. When we are vulnerable, our need for financial advice may change. However, admitting vulnerability or seeking help can sometimes feel hard.
If this is something you would like to discuss with us, please ask for a copy of our support guide or download a copy here. This guide is designed to help explain vulnerability and the ways in which we might be able to support you. If you feel any of the circumstances in the brochure apply to you, please talk to us.
Joanne Gerrard2024-10-25A fantastic professionaland supportive service, providing timely, factual and relevant information. Appletree have made the process hasslefree and stressfree. Would 100% recommend.
Ashley Capstick2024-10-01Kathryn has been amazingly helpful with sorting out our Mortgage. Very responsive & insightful. Highly recommend
m r2024-10-01We have just used appletree for switching mortgages. Kathryn and Faye were both very helpful. Faye in particular was very helpful with dealing with a rather difficult solicitor and getting updates and moving things along, Thanks.
Emma Astley2024-09-26highly recommend!!! Kathryn was very helpful and responded very quickly. will definitely recommend Appletree Financial solutions to all my friends and family.
Martin Shipway2024-09-17I recommend Kathryn Haycock to anyone who requires advice and assistance with a mortgage. She is exceptionally efficient, helpful and diligent. Her level of communication with the client is fantastic and she goes the extra mile to make sure that the client gets the best deal possible!
Karen Holden2024-09-10Brilliant staff very professional and extremely helpful Mark has been fantastic, can't rate the team highly enough 5*
Nikolai Polakovs2024-09-08Kathryn at Appletree was so helpful with me and my partner we got recommended by someone she gave us brilliant advice on what to do next thankyou Kathryn.
Lyndsey Goo2024-08-28Kathryn took all the stress out of our remortgage and helped us understand the rates and options so we could make the best decision for us! Highly recommend
amy crook2024-08-06We have been with Apple Tree for around 5 years now, for finical advise, investing and loans. The team are lovely and always have a great response time either by email or phone.
