Mortgages

Mortgage Advice Services

At Stan Sherlock Associates, our expert team of mortgage advisers, based in Carlisle, can access a range of mortgages from over 50 of the UK’s best-known lenders, including Santander, Halifax, Nationwide and Virgin Money.  Our mortgage brokerage service can access some exclusive deals that you won’t find on the high street.

Our mortgage advice service will help you achieve your home buying dreams, whether you are buying your first home, remortgaging, moving to a new house or buying an investment property.

Our knowledgeable advisers and brokers, together with our dedicated support team, will work with you to understand your personal goals and home buying needs. We will discuss your current finances and repayment options to assess the best mortgage solutions for you.

We can advise you about the different types of mortgages and help you decide what best suits your circumstances. This might be a fixed rate mortgage, variable rate mortgage, a tracker mortgage or offset mortgage or perhaps another mortgage advice solution entirely.

Tom Graham - Mortgage Adviser at Stan Sherlock Associates Ltd - Financial Planning Consultants in Carlisle
Bobby Sherlock: Director

Our mortgage advisers will then research the market, discuss your options, and recommend the most appropriate deal for you based on interest rates, loan periods, repayment methods and interest payments.

Our mortgage advice services are ideal for:

First Time Buyers

If you’re buying your first home, mortgage advice can seem complicated and overwhelming.

Our expert advisers will help you understand the process and support you to achieve your dream of owning your first property.

We can access deals and incentives, which may include cashback on your mortgage, reduced mortgage interest rates or lower levels of deposit against your property value.

Help to Buy

Help to Buy is a Government scheme to help first-time home buyers get a mortgage with a small deposit.  There are two types of Help to Buy schemes, the Help to Buy Shared Ownership (or Shared Equity) Scheme and the Help to Buy Equity Loan. 

Our expert advisers can help you understand which scheme is suitable for your needs, find the best mortgage deals to support your shared ownership or equity loan and guide you through the whole process.

Remortgaging

A remortgage is where you take out a new mortgage on a property you already own, either to replace your existing mortgage, or to borrow more money against your property. You can remortgage without moving to a new house and there are various reasons and benefits for considering a better mortgage deal.

Remortgaging may not be right for everyone and getting good advice is essential.

Small Business Owners

If you run your own business or are self-employed as a sole trader or limited company director, our mortgage advisers and mortgage brokerage service can understand your accounts and earnings and help you present them to potential lenders to find the right mortgage solution for you.

Protecting your home and family

Once we’ve achieved the mortgage you need, we can help you to secure your home and finances for the future, with buildings and contents insurance, mortgage income protection and life insurance policies.

Frequently Asked Questions

How much mortgage can I get?

The UK has one of the most developed financial sectors in the world, with the mortgage sector particularly liquid. Most lenders will offer a mortgage of up to 4.5 times the salary of an individual or a combined joint application, subject to status. In certain circumstances, some mortgage lenders will offer more than 4.5 times their income, which may involve an additional degree of security. In light of the 2008 financial crisis, the UK government introduced an affordability test for all mortgage applications. This was recently lifted, giving mortgage lenders greater flexibility.

Need to know more? Get in touch with our team:

Mortgage Advice Services in Carlisle, Cumbria

Why work with us?

At Stan Sherlock Associates, arranging a mortgage is not a one-off transaction.  We aim to build long term relationships with our clients and provide you with an advice service over the lifetime of your mortgage which ensures you always have the right deal for your situation.

Although based in Carlisle, our clients come from much further afield.  We regularly work with clients from across Cumbria (including Kendal, Keswick, Penrith, Whitehaven and everywhere in between), the Scottish Borders, and North East England.  Many of our mortgage advice services can be provided by phone and email but our mortgage advisers are always happy to meet you face to face.

Disclaimer

The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable or available in any other country which may have access to it.

Contact Us

A: 26 Lowther Street, Carlisle, CA3 8DA
T: 01228 598821
E: info@stansherlock.com

Company Information

Registered Address: 26 Lowther Street, Carlisle, Cumbria CA3 8DA
Company Number: 05718865

STAN SHERLOCK ASSOCIATES LTD IS AN APPOINTED REPRESENTATIVE OF OPENWORK LIMITED, WHICH IS AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. SOME BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.