Specialist Mortgage Advisors in Nottingham
Financial peace of mind
Finding the right mortgage
doesn't have to be difficult
With Castlegate Financial Services by your side every step of the way, you can have peace of mind that you’re getting the best, independent mortgage advice from across the whole market, that works for you.
For over 35 years we have been helping our clients buy their first home, build their property portfolio and secure that dream, forever home, with our hassle-free expert service, that puts your needs first.
- FIRST TIME BUYER MORTGAGES
- REMORTGAGES
- BUY TO LET MORTGAGES
- LIMITED COMPANY MORTGAGES
Your trusted
mortgage broker in Nottingham
Looking for mortgage deals to help you buy or remortgage a property, but don’t know where to start?
With so many different lenders and mortgage companies out there, it can be difficult to know where to turn first. Or maybe, with the cost of buying and moving home you’re considering going it alone to save fee’s?
Having helped thousands of clients
in your position, here are some of the ways you will benefit from choosing Castlegate Financial Services as your trusted mortgage broker
Save money
Our mortgage brokers search across the market to find the best available mortgage deals for you. Although this may seem straightforward, this isn’t just a case of looking for the lowest mortgage rates today, the cheapest tracker mortgage, or the lowest fixed-rate mortgage. Our mortgage brokers look beyond interest rates, to calculate the best offer for your personal circumstances, making sure to use our experience of the lenders and the market to identify the most suitable mortgage for you. This means we take into account all the lenders' fees and conditions, to ensure what we source is the most competitive offer.
Save TIME
Once we have got to know you and your circumstances, we use our years of mortgage experience with different lenders, to source and recommend only the mortgage deals that we know you will have an excellent chance of being approved for. Saving you time, hassle, and endless paperwork.
Access Deals across the whole mortgage market
As an independent mortgage broker regulated by the Financial Conduct Authority, we are able to access the whole market – meaning we can source mortgage deals that you or your bank aren’t able too.
Expert and experienced financial advice
We are regulated by the Financial Conduct Authority, meaning we have a duty of care to provide you with the best possible financial advice. Our qualified team are on hand every step of the way to provide you with a wealth of experience and industry knowledge, for every circumstance. Providing you with all the information and expertise you need to make successful financial decisions.
Less paperwork,
less hassle
Whether it’s your first mortgage application or your tenth property purchase - the application process and paperwork can feel overwhelming. That’s why our brokers handle all the paperwork for you, only asking for a few documents and signatures as and when they are needed. So, you can have complete peace of mind that everything is on time, and in hand.
Your application
is our priority
Having a Castlegate Financial Services Mortgage Broker by your side, means your mortgage gets the attention and priority it needs. We deal with mortgage lenders all the time, meaning we know how and where to spot potential delays, rectifying any issues and staying on top of all parties involved to ensure your application is processed as quickly and smoothly as possible.
Experienced, personalised
mortgage advice you can trust
Ready to see how our brokers
can help you save time & money?
Frequently
asked questions
There are a few things that can affect how long a mortgage application takes, like which lender you’re applying with, what information they’ve asked you for, and how complex your situation is. But generally speaking, once you’ve submitted an application, it can take between 4-6 weeks for the lender to approve. This can take longer if you’re going it alone. Having an experienced mortgage broker by your side can help ensure your application and paperwork is all in hand, to prevent any unnecessary delays.
To get a rough idea of how much you might be able to borrow, you can use our borrowing calculator. We calculate this based on a simple income multiple, but, in reality, it’s much more complex, and is always best to speak to one of our brokers. After getting to know you, we will be able to give you an accurate idea of your borrowing potential, based on your own circumstances. Mortgage lenders calculate how much they’ll lend based on both your income and your outgoings among other factors, so the calculator provides useful guidance but should be seen as a rule-of-thumb result only.
Most lenders’ mortgage offers will last between 3-6 months however some lenders’ mortgage offers will only be valid for 3 months from the date the offer was first made. Each offer is subject to that lender’s specific terms, but these terms will always be explained in full by our brokers.
Each mortgage lender have their own set of lending criteria that decides whether or not your application will be accepted. Many factors are taken into consideration including, how much you want to borrow, what type of property you’re looking to buy, your credit rating, and your affordability. If you want to know whether you can get a mortgage or what you need to do to get on the property ladder, it is always best to speak to our brokers early on. That way we can advise you on what options may be available or what you can do to improve your position for your application.
Yes, there are specific lenders not available on the high street, that are designed to help first time buyers with bad credit. If you are worried that bad credit might affect your ability to get on the property ladder, then speak to one of our advisors who will be able to help you understand how to improve your credit score and source specific lenders that can help you get on the property ladder.
Latest Insights From Our Brokers
SM
Sian Mitchell
Due to Covid, the NHS are experiencing huge delays and people are struggling to get the medical care and attention they need. The substantial delays for referrals, treatments and routine/planned surgeries are putting people at risk who are not getting the medical attention they need in time resulting in anxiety, stress, prolonged pain and in some cases the delays are preventing people catching things early enough to treat.
SM
Sian Mitchell
If you’re nearing the end of your fixed-rate then looking for a new mortgage deal is probably already on your to-do list this month and if you’re already on your Standard Variable Rate – then it definitely should be!
But nearing the end of your current deal isn’t the only reason you might consider remortgaging. After helping clients remortgage for nearly 40 years, we know there are a whole host of reasons why remortgaging could be the best financial move – so here are our top 10 Reasons Why You Might Remortgage.
SM
Sian Mitchell
Buying, selling and moving home can be stressful enough, without the added frustration of delays with your mortgage application!
There are a few factors that can affect how long your mortgage application takes – like which lender you’re applying with or how complex your situation is. However, one delay that you can avoid, is missing or incorrect mortgage application documents requested by the lender.
SM
Sian Mitchell
Overall property has always represented a good long-term investment opportunity, and is still one of the four most common types of investments, alongside cash, bonds and shares. Resilient and a largely stable investment market, historical evidence shows that property has the power to weather huge events such as the global financial crisis and the SARS outbreak, coming out of the other side stronger.
SM
Sian Mitchell
Never worked with a mortgage broker before and wondering whether you really need one? We explain what a mortgage broker is and how a good mortgage advisor can save you time, money, and stress!
SM
Sian Mitchell
Due to Covid, the NHS are experiencing huge delays and people are struggling to get the medical care and attention they need. The substantial delays for referrals, treatments and routine/planned surgeries are putting people at risk who are not getting the medical attention they need in time resulting in anxiety, stress, prolonged pain and in some cases the delays are preventing people catching things early enough to treat.
