Expert, Impartial Mortgage Advice

The mortgage process doesn’t need to be difficult.

With a professional mortgage adviser from Elementary Mortgage Solutions at your side, you can say goodbye to mortgage stress and hassle.

Whether you’re a first-time buyer, a landlord or are looking to remortgage your existing home; we can help.

  • 5 star review  Can’t fault this company In any way , they go the extra mile, completed my mortgage in record time. Can highly recommend

    thumb Katie Brown
  • 5 star review  What a superb service. From a great professional work ethic, to monthly mortgage savings Ivan had it all. Was always available if anything needed to be discussed. Made sure... read more

    thumb Beth Clay
  • 5 star review  Great personable Service. My case was very complex and required several consultations. Ivan was very patient in sorting out all the technical details and was always available on the phone.... read more

    thumb Dean Ryder
  • 5 star review  Ivan was brilliant. He was quick and communicated well and was great at giving us advice on our way to picking the best mortgage for our situation. Will definitely use... read more

    thumb Joe Jackson
  • 5 star review  Thanks for sorting out our re-mortgage, very professional, easy process and even got us a better rate and saved us money. Highly recommended.

    thumb Georgia Leonardi
  • 5 star review  Ivan helped us sort our re-mortgage out. It was stress free and Ivan was always at the other end of the phone when we had any questions.

    thumb Harry Simposn
  • 5 star review  Extremely professional and responsive service by Ivan. He was always happy to help and support me through the whole process. Highly recommend!!

    thumb Kimbo 85
  • 5 star review  Elementary mortgage solutions arranged a remortgage on a property we let out. The process was extremely simple and we got an excellent deal that lowered our monthly payments considerably. I'd... read more

    thumb Carl Barton
  • 5 star review  Fantastic Service. Really took the hassle out of mortgage hunting. Would definitely use again. Stress free from start to finish and very professional. Thank you

    thumb Laura Shaw
  • 5 star review  Ivan Whitelocks satisfied all my needs. Guiding me through the process with ease. He was easy to reach and quick to reply to any enquires. Going above and beyond at... read more

    thumb Peter Joynson

Find out how we can help you buy your dream home today!

1 + 12 =

Your Specialist Mortgage Adviser in Nottingham

Elementary Mortgage Solutions are experts in recommending and arranging mortgages and other related insurance products to the people of Nottingham and the wider Midlands area.

We work from a panel of lenders, which means, we are not tied to any one provider and can compare thousands of products to find the best one that meets your circumstances.

Jargon Free Mortgage Advice

Financial products, such as Mortgages, can be complex with terms and language that most people don’t come across in their daily life. It’s easy to be confused or feel overwhelmed if you’re attempting to arrange your own mortgage and deal with all the paperwork yourself.

As a specialist mortgage broker in Nottingham our experts have years of experience and will provide their mortgage advice in a simple and easy to understand way.

We won’t try and bamboozle you with industry terms and jargon. We want you to feel comfortable and happy with the process whether you’re a first-time buyer, remortgaging or investing in a buy to let property.

A Flexible Approach

We provide a flexible, modern approach when it comes to providing mortgage advice. We don’t expect you to visit our offices between 9 am – 5 pm, instead, our mortgage advisers will come to you. We typically visit our customers in their homes or arrange to meet at their places of work. We’ll plan the meeting at a time that’s convenient for you and our advisers are happy to meet in the evening or weekends.

Diverse Mortgage Options

We work with a broad panel of carefully selected mortgage providers.

Whether you are a first-time buyer, are self-employed, are a landlord in the market for a competitive buy to let mortgage deal or have a poor credit rating and need advice on which lenders are best suited to your situation, our mortgage advisers can help.

 

 

Exclusive Deals

Lenders do not make all of their mortgage products available to the general public. Some of their best mortgage rates are only available to brokers. By working with Elementary Mortgage Solutions, you can unlock an exclusive mortgage deal and potentially save money through lower interest rates and monthly repayments.

We Search thousands of mortgage deals so you don't have to! 

Mortgages from Virgin Money
Mortgages from Birmingham Midshires
Mortgages from Atom Bank
Mortgages from Halifax
Mortgages from HSBC
Mortgages from Kensignton
Mortgages from Skipton Building Society
Mortgages from Natwest
Mortgages from The Post Office Money
Mortgages from Santander
Mortgages from Mortgage Works
The Nottingham

Specialist Products

Mortgages available on the high street typically have rigid criteria that can make it difficult for many people to access them. Individuals with a poor credit rating, the self-employed and those looking to develop a self-build are just some of the reasons that can make it challenging to obtain a standard mortgage.

Our Nottingham mortgage brokers have access to a wide range of specialist products created specifically for those who are struggling to get a mortgage and don’t fit the inflexible high street criteria. They can provide mortgage advice and support and guide you through the options available that suit your situation.

Some of the specialist mortgage products we can provide are;

  • Bad credit
  • Debt consolidation
  • Right to buy
  • Self-build
  • Buy To Let
  • Let To Buy

More than a Mortgage

At Elementary, we do more than just provide mortgage advice. Our team can also assist you with a range of related products, including;

  • Life cover
  • Critical illness cover
  • Income Protection
  • Family Income Benefit
  • Solicitors
  • Surveys
  • Buildings and Contents insurance

The Elementary Mortgage Process

Get In Touch

Pick up the phone or fill out our enquiry form. There are no silly questions, and we can have a relaxed and informal chat to see if we can help you. We endeavour to answer all calls. However, there will be times when we are in appointments in which case please leave us a message, and we will get back to you within a couple of hours.

Financial Analysis

We will arrange a convenient time and place for us to talk, generally within a week. This can be at your home or work, and our initial meeting is free and without obligation. This is where we get to know you and your circumstances. Your mortgage broker will undertake a full financial analysis looking at your current situation and future plans and assess your income and expenditure.

Research

Taking all the information you have given us it’s now time for us to put our skills and experience to use. We search our comprehensive lender panel for the best solution that meets your needs and circumstances. This may include a credit check and applying for a Decision In Principle (DIP).

Our Advice

Next, we tell you all about the mortgage deals we have found and any other related products that will suit you. We will discuss the reasons behind our choices, tell you about any costs and fees involved and explain all the terms and conditions surrounding your chosen products.

When You Are Happy

Once you are happy to proceed, it’s time for us to apply for your mortgage. We will collect any outstanding documents, help with all paperwork involved and liaise with the lender on your behalf.

Keeping You In The Loop

The process of applying for a mortgage varies and can be anything from 2 weeks to 3 months. Rest assured, we will keep you informed every step of the way until you have your mortgage offer from the lender.

Ongoing Support

We pride ourselves on building long term relationships and offering excellent customer support. If you ever need assistance, we are always at the end of the phone. If your circumstances change or you have any questions, please don’t hesitate to get in touch. We will also make regular contact to make sure you are happy and to help you find your next mortgage.

Why Use a Mortgage Broker

The mortgage market is large and can be complex. With many different mortgage types available, offering different rates and different terms for repayments. Some mortgages offer ‘cashback’ incentives and many charge arrangement and other fees. Choosing to get a mortgage is one of the most significant financial commitments a person will undertake, so it makes sense to seek expert mortgage advice to help you make the right decisions.

What are Mortgage Brokers

Mortgage brokers, or mortgage advisors, are specialists in finding mortgages that fit the specific needs of their clients. They have received the relevant training and are qualified to provide advice and recommendations based on your financial circumstances. Mortgage brokers are authorised and regulated by the Financial Conduct Authority (FCA), which means that customers are protected if the advice received is not suitable, and compensation can be sought.

By using a mortgage adviser you are accessing expert knowledge of the mortgage market. Before recommending a mortgage, they will ask you for information regarding your financial situation, including your income and your regular expenditure. Based on this information, they will then recommend suitable mortgage products.

Using a mortgage broker has three significant advantages versus sourcing a mortgage yourself;

Detailed Market knowledge

Mortgage brokers have a detailed understanding of the market and specific lenders. They will know which lenders are suited to particular individuals and requirements and which are more likely to accept a mortgage application.

Wider Choice of Mortgage Deals

Mortgage advisors have access to mortgage deals and lenders that the general public doesn’t. By working with a broker, you may be able to access a mortgage product at a better rate that saves you money.

Managing the Mortgage Application

We pride ourselves on building long term relationships and offering excellent customer support. If you ever need assistance, we are always at the end of the phone. If your circumstances change or you have any questions, please don’t hesitate to get in touch. We will also make regular contact to make sure you are happy and to help you find your next mortgage.

Additional Services

As well as arranging the mortgage itself, a mortgage broker will review related products such as life insurance, mortgage protection and critical illness cover. They will already have a good knowledge of your financial circumstanes and will, therefore, be able to recommend insurance products that ensure you and your family are fully protected.

Questions to Ask a Mortgage Broker

Are They Registered with the FCA?
The first question to ask any mortgage broker is whether they are FCA registered. By working with a mortgage broker who is registered with the FCA, you have access to the Financial Ombudsman Service or the Financial Services Compensation Scheme should the advice you receive be incorrect. You can also check the FCA register yourself by clicking here.
How Do They Provide Advice?
Do they provide mortgage advice over the phone, by email or in person? What information and reports will they provide following your meetings?
What Are There Charges
Your mortgage broker should be clear and transparent about any potential charges. Some advisers will provide free mortgage advice, however, they need to tell you if they are receiving a commission from the lender for arranging your mortgage.
Preparing For Your Meeting
To get the most from your meeting with a mortgage broker, it’s best to be prepared. They should provide you with details of what information they need to see before the meeting. This will include bank statements, proof of address, details of your existing mortgage (if applicable), household incomings and outgoings plus details of savings and insurance policies you have in place.

It’s also worth considering in advance the type of mortgage you would like. Would you like a fixed rate, and if so, what sort of timeframe would you like the rate fixed for? If your mortgage is for a buy to let property, would you like an interest-only mortgage? Maybe you’d like to release some capital from your home for a holiday or a new car, if so, how much additional borrowing is required.

Which Lenders do They Work With?
Some mortgage brokers are linked to specific banks or building societies and will, therefore, only recommend products that this institution provides. Ideally, your broker should work with as wider panel of lenders as possible to give you a full picture of the mortgage market and the products available to you.

Mortgage Advice Tailored to Your Needs

Our aim is to find every customer their perfect mortgage product. Our team of expert mortgage brokers achieve this by gaining a clear understanding of your financial situation, plans and goals for the future.

Based on the information you’ve provided, we then review hundreds of mortgage products from a vast panel of lenders.

Once we’ve found the right mortgage product for you, we take care of the application and paperwork ensuring the whole process runs smoothly and is stress-free.