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Mortgage advisers & brokers in Milton Keynes

Here at Mortgage Light, we have a team of mortgage advisers and brokers who cater for all aspects of the mortgage and assurance market. They are here to make sure that your experience of obtaining a mortgage is as simple, stress-free and enjoyable as possible.

Wherever you are in the property and mortgage process, we’re ready to welcome you to our offices in Knowlhill to get to know you and understand your needs. Mortgage Light are here for you now, and in the future when you’re ready to take the next step.

What is a mortgage broker?

A mortgage broker arranges mortgages between their customers and mortgage lenders. Here at Mortgage Light, we take the time to find out what you need from a mortgage, before going away to find you a deal that matches your criteria. We can also help you remortgage when the time comes.

Whether you’re interested in Help to Buy schemes, need support with high value loan mortgages or you want to know more about shared ownership, we’re here to answer any question - big or small. Our goal is to get you to where you want to be on the property ladder, and make sure you understand each stage.

Why use a mortgage broker?

Mortgages can sometimes be difficult to navigate. We’ll explore the market and recommend the best deals for you and your circumstances. You’ll have access to more mortgages than would be available directly to you as a consumer, and therefore the best chance of finding the right deal. We’ll take on the effort and paperwork so that you don’t have to.

Our team makes understanding mortgages plain and simple. If you’re looking for a mortgage broker in Milton Keynes or the surrounding area, Mortgage Light would love to help.

How can we help you?

Buying a New Home

Whether you are a first time buyer, or you are thinking of selling your existing property and moving to a new home, there’s going to be a lot to consider. Our job is to discuss your options and budgets to put you on the right path, making the process as effortless as possible.

Remortgaging

Remortgaging happens when you change the mortgage you currently have on your property, either by switching it to a new lender, or by moving to a different deal with your existing lender. It can be a good way to find lower interest rates and better mortgage terms. Our mortgage advisors will help to review your mortgage product as it comes up to renewal, advising you of your options and your next steps.

Shared ownership

Shared Ownership is the most common affordable purchase option. It allows you to initially purchase a share of a property, with the opportunity to buy further shares later down the line. We are specialists in this area, and have helped many customers own 100% of the property after only a few years.

Critical illness cover

If diagnosed with a serious illness, a critical illness policy can relieve financial pressure when you need it most. There are different levels of cover available, and we are here to help navigate the market to find the best policy for you that suits your budget and your family’s needs, whilst you concentrate on your recovery.

Life assurance

Life assurance provides a cash lump sum payout upon your death. You can get a bespoke policy to suit your needs, choosing from decreasing life assurance or term life assurance depending on budget. The pay-out will put money in the hands of the ones you love most to ensure they do not have any worries of financial burden at a time of grief.

Income protection

Income protection provides you with a regular monthly income should your earnings become affected by ill health or accidental injury. Many income protection policies also give you access to added value services and benefits. We’re here to help you find and personalise your ideal cover.

High Net Worth Mortgage

High Net Worth Mortgages support individuals with a large personal income looking to buy a property. High value mortgages aren't always readily available from high street lenders and therefore we, as trusted HNW mortgage advisors, are here to help you secure the best deal.

Why Choose Mortgage Light?

At Mortgage Light, we’ll take the stresses and worries away and make your mortgage experience enjoyable. And we don’t just leave it at that – we stay in touch for as long as you need us to, be that for remortgaging, protection services, finding your next home or for any questions and queries.

Free mortgage consultation with our welcoming team
Covering the Milton Keynes area
Personalised mortgage & protection services
Access to the whole mortgage market

Monthly Drop-in Evening

Come and meet the team on the third Thursday of every month from 5pm – 7pm. We’ll provide the drinks, the snacks and the information that you’re after. Need to bring the kids? Not a problem – we’ve got plenty here to keep them busy too.

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Straight talking mortgage advice

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01908 597655

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Mortgage Advisers & Brokers in Milton Keynes

All of our brokers deal with the whole of the mortgage market. It doesn’t matter what the question or when you want to speak to us, we have brokers available on the phone or face to face seven days a week. Whether you are just thinking of buying a home and have no idea where to start, a seasoned investor or someone looking to better your current mortgage product, we are happy to help andchat over ideas free of charge.

So we can give you plain and simple advice we will run through some basic questions to help us tailor products to suit your needs. Upon us taking your application forward we will write to inform you that we have given you advice and give you a Key Facts Illustration breaking down the important elements of the product and the fees involved.

For us to take your application forward to a lender we charge an upfront administration fee of £495. For our returning customers looking to renew their mortgage product this fee reduces to £250. We also receive commission from the lender.

Our fee is payable upon mortgage application. The typical fee for a regulated mortgage is £495. However, for applications involving a poor credit history or loan amounts under £50,000, an additional fee of £150 will apply.

For existing customers, we offer a reduced fee of £250 for remortgages and £395 for purchases, with no charge for product transfers.

For buy-to-let mortgages, the fee is £595, and for limited company buy-to-lets, it is £695. Fees for commercial mortgages are determined by the nature of the finance and the loan structure, with a minimum charge of £1,000. Additional fees may apply.

We will receive commission from the lender in addition to the fees you pay. As with all insurance policies, conditions and exclusions will apply.

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage.

Covering Milton Keynes.

Registered Office: Mortgage Light Ltd, 15 High Street, Brackley, England, NN13 7DH. Registered Company Number: 8184773. Registered in England & Wales.

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