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Getting Fee Free Mortgage Advice With Greymere Finance Could Save You Thousands!

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Get your free mortgage report

It doesn't matter if you're 1 week or 6 months away from being ready to buy a house or remortgage. We'll produce you a report to tell you what you can afford and how much a mortgage will cost.

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First Home

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I'm Moving

Thinking of selling up to move on?

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The do's and don'ts about remortgaging

I'm Remortgaging

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What to consider before investing in property

Buy To Let

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Mortgages in your hand

Easy to Follow

Track your mortgage application through our app and keep documents safe with our online client portal.

Regular Updates

Get regular updates on the price of your property after you've moved in.

Always Here

We're here to help when you need us and have tons of online tools when you don't.

  • What is a mortgage broker?
    A mortgage broker helps borrowers find the best mortgage rates by comparing multiple lenders' that the average borrow may not know about. They show you all the possible rates on the market on any given day and which one will be the cheapest. They then deal with the mortgage application on your behalf to get you the mortgage offer which will save you the most money.
  • Why should I use a mortgage broker instead of going directly to a bank?
    Mortgage brokers have access to a wider range of products and can often find better rates and terms than a single bank. Going to a bank directly means your only being given the option of their small range of products. They can also save you time and simplify the application process.
  • What documents do I need to apply for a mortgage?
    Typically, you will need proof of income in the form of payslips or self assessments, bank statements, identification, your credit report and details of your employment history.
  • How long does the mortgage approval process take?
    The approval process can take anywhere from a few days to a few weeks, depending on the lender and the complexity of your financial situation. This does not mean the house buying process only takes a few weeks, however, you can typically expect a formal offer of mortgage in this time.
  • What types of mortgages are available?
    There are various types of mortgages, including fixed-rate mortgages, standard variable-rate mortgages (SVRs), interest-only mortgages, tracker mortgages, discount mortgages, buy to let mortgages and many more.
  • How do I know if I qualify for a mortgage?
    Qualification depends on several factors, including your credit score, income, debt-to-income ratio, and employment history. A mortgage broker can help assess your eligibility.
  • Can I get a mortgage with bad credit?
    Yes, it is possible to get a mortgage with bad credit, but it may come with higher interest rates and stricter terms. There are specific loan programs designed for borrowers with less-than-perfect credit.
  • What is remortgaging?
    Remortgaging involves replacing your current mortgage with a new one, typically to obtain a lower interest rate, change the loan term, or cash out home equity. Think of it a bit like changing your car insurance.
  • What areas do you serve?
    Greymere Finance is based in and around Chester, Flintshire and Wrexham but we help our clients across the whole of the UK.
  • How can I get started with Greymere Finance?
    You can get started by contacting us via our website’s contact form, calling us directly, or scheduling an appointment to discuss your mortgage needs. Our service is fee free so theres absolute nothing to lose by speaking to us. We like to think our reviews and awards speak for themselves when it comes to the service you'll receive.

Your questions answered

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