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.
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
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
Can’t fault this company In any way , they go the extra mile, completed my mortgage in record time. Can highly recommend
Thanks for sorting out our re-mortgage, very professional, easy process and even got us a better rate and saved us money. Highly recommended.
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
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
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
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.
Extremely professional and responsive service by Ivan. He was always happy to help and support me through the whole process. Highly recommend!!
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
Find out how we can help you buy your dream home today!
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
Diverse Mortgage Options
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.
We Search thousands of mortgage deals so you don't have to!
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
- Buy To Let
- Let To Buy
More than a Mortgage
- Life cover
- Critical illness cover
- Income Protection
- Family Income Benefit
- 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.
When You Are Happy
Keeping You In The Loop
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
Wider Choice of Mortgage Deals
Managing the Mortgage Application
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?
How Do They Provide Advice?
What Are There Charges
Preparing For Your Meeting
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?
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.