The entire process was painless, the service was unsurpassed – being contacted frequently and offered assistance and guidance along the way - and We know Mortgages certainly know how to identify the needs of their clients and assist them in every way!
I would highly recommend their services to anyone at any time!
Marlene Nicholls (London)
I found this company really easy to deal with. Their consultants are very professional and extremely helpful. Nothing is too much trouble and they are always trying to give you the best price but using reputable companies. I highly recommend them for any policies you might need. Thank you! Maria
Maria Marco (Lancaster)
I can highly recommend 'We Know Mortgages Ltd'. I purchased life insurance with Aviva. No hassle, straight forward and a good price too! The service was very professional and I would use them again.
Clare Robinson (Preston)
The service from We Know Mortgages comes second to none! From initial consultation to contract exchange the communication, assistance and advise from We Know Mortgages was fantastic. The portfolio of products available through We Know Mortgages is extensive saving me time and money. I fully endorse their service and would recommend We Know Mortgages to anyone looking for a mortgage, insurance or life cover.
Mark Merry (Preston)
We Know Mortgages Ltd are a mortgage and insurance broker based in Manchester City Centre. We can advise clients over the phone; arrange appointments in our Manchester office or visit clients at home. We are opposite Malmaison hotel in Piccadilly, in big white Bruntwood Building. First floor. Contact us
Why wait up to 3-4 weeks to see a mortgage adviser with your bank when you can see a whole of market mortgage broker within a week.
Whole of market Mortgage Broker
We Know Mortgages Ltd have access to the whole mortgage market. As a mortgage broker, we have access to exclusives deals with lenders and building societies either via networks or mortgage clubs, deals that are unattainable directly. Clients will receive the right mortgage deal based on their circumstances. We are regulated to advise and recommend.
Whole of Market Insurance Broker
We Know Mortgages Ltd have access to a range of insurers which include well known house names. Aviva, Aegon Scottish Equitable, AXA, Friends Provident, Legal and General and Zurich. We may be able to source the cheapest insurance products. Life Insurance, Critical Illness and Income Protection is advised and recommended.
General Insurance for mortgage protection
Accident Sickness Unemployment cover and Building and Contents are integral policies to many clients. Abbey, Assurant, Halifax, Source, Select and Protect, Paymentshield are the insurance providers. Our advisers offer a bespoke service and maybe able to source the cheapest products. This is a limited range and can change from time to time
We Know Mortgages Ltd pride itself on being professional, friendly and honest. Staff are fully qualified with CeMAP qualifications (or the equivalent). We’re based in Manchester and familiar with local areas. All advisers based in Manchester city centre office.
A personal mortgage and insurance adviser is with you from start to finish, dealing with estate agents and solicitors. Furthermore, post completion, were still here to help if required i.e. advice on trust forms and wills. This comes at no cost.
Mortgage brokers are specialist in their fields. Dealing with different mortgage lenders daily, knowing their criteria and keeping up to to date with criteria benefits clients.
An important thing to understand is that when you receive mortgage advice, your mortgage broker has a duty of care to you.
We have to recommend a suitable mortgage product and be able to justify why the particular mortgage we have chosen is right for you which includes choosing the right scheme (ie fixed, discount), mortgage term (i.e 20 or 25 years), overpayments, speed of service from mortgage lenders, cost of surveys… Every mortgage lenders has its own fee structure.
A mortgage broker will look for the best mortgage for you. There’s an awful lot to think about when choosing the right mortgage. It’s not as simple as just opting for the cheapest fixed or tracker rate mortgage you can find. You’d get unbiased advice and could choose from a range of lenders and subsequent products, rather than being restricted to the single range of the lender you went to.
Mortgage criteria have tightened massively over the past few years especially with the Mortgage Market Review (MMR), and arguably widest-ranging, development. MMR has been designed to ensure mortgage borrowers can prove affordability, even in the event of a rate rise, and those extra checks have understandably increased application times. Mortgage brokers know lender turnaround times and which are the speediest.
That’s why it’s so important to stay in the loop – and to have a mortgage broker on your side who understands it all. A broker deals with lenders on a day-to-day basis, so they’ll know what the application process is like for each one and can tell you which lender can process your application with minimal delays.
Mortgage lenders change their products daily with rate reductions or increases, incentives i.e cash back or free basic valuations. For this reason, mortgage brokers have the upper hand.
They also know the background criteria that a lender has and can bring this experience to bear when advising you and processing your application.
Then there’s the fact that, because a mortgage broker put lots of business to lenders in a year, they can exert influence and chase things in a way you just can’t do by yourself – and that can be invaluable should things get held up. We know immediately who to contact.
A mortgage broker won’t just advise you about your mortgage. They will also look at any related life insurance, payment protection and even buildings and contents insurance you have.
They will recommend insurance based on your new mortgage arrangements to make sure you are fully protected in the event of:
• Critical illness (such as cancer, heart attack or stroke)
Mortgages are a lot more difficult than they first appear. Knowing what rate, what term, what lender, what features, what insurance are all time-consuming and complex matters.
We can see clients within 24-48 hours and discuss all your mortgage and insurance options and having access to the whole market.
Will writing and most forms of Buy-to-let mortgages are not regulated by the Financial Conduct Authority.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.