Mortgage Advice

At Simplicity Mortgages by Holly Vickers, I will help you get a mortgage decision fast. I look to remove the fuss and get you the right deal tailored to your circumstances as quickly as possible.

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Welcome Home

Imagine stepping through your front door after a long day and feeling the warmth and comfort of your own home. Think about the joy of creating lasting memories with loved ones, enjoying peaceful morning coffees, and always having a safe place to return to.

Owning a home is a dream for many, and with the right mortgage, it can become your reality.

At Simplicity Mortgages by Holly Vickers, I offer tailored expert mortgage advice to find the perfect solution for you, no matter where you are on the property ladder or your next step.

Check out my services below and get in touch today to start your journey to homeownership. Let’s get those keys into your hands!

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.

"Holly literally made our dreams come true"

Gemma W

FIRST TIME BUYER MORTGAGES

Getting onto the Property Ladder

Taking that first step onto the property ladder can feel intimidating. Information found online can be overwhelming and confusing, with countless details to understand.

If you’re unsure where to start, let me lighten the load.

I’ll help you find you the most cost-effective mortgage to meet your needs and circumstances, help you get your finances in order, connect you with a reliable solicitor, surveyor and estate agent where required, and even assist in your home search. I’m here to guide you through the process so you can begin your homeownership journey with confidence.

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REMORTGAGING & MOVING HOME

Making for a Smoother Transition

There are plenty of reasons you might be thinking about remortgaging. Maybe your current mortgage term is ending, or you’re hunting for lower interest rates to save some money. Or perhaps you’re simply moving to a new place to accommodate your growing family.

Instead of spending your evenings and weekends sifting through options, let me handle the heavy lifting for you.

No matter what you want from your new mortgage, I’m here to make the process easier and more personalised. With our extensive network, I’ll search through hundreds of products to find the perfect fit for you, saving you time and potentially thousands of pounds in interest.

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BUY-TO-LET MORTGAGE ADVICE

Building your Property Portfolio

Whether you’re a seasoned investor or dipping your toes into the rental market for the first time, a Buy-to-Let mortgage can help you turn property into a steady income stream. But with so many options out there, it’s easy to feel a little overwhelmed.

That’s where I come in. I’ll guide you through the process, from understanding the ins and outs of rental yields to finding the right mortgage deal that suits your investment goals. With access to a wide range of lenders, I’ll make sure you get a deal that maximises your returns while keeping things as simple as possible.

So, if you’re ready to start or grow your property portfolio, let’s chat. I’m here to make the journey smooth, stress-free, and tailored to your needs.

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SHARED OWNERSHIP & AFFORDABLE HOUSING MORTGAGE ADVICE

Your Affordable Path to Homeownership

Owning a home is a huge milestone that many people work hard to achieve. Unfortunately, it can sometimes feel like it’s slipping out of reach. If this sounds familiar, options such as Shared Ownership or New Home Schemes might be just what you need to make homeownership a reality.

If you’re thinking about these initiatives and want to know more, I’m here to offer specialised support.

With personalised mortgage advice and access to offers tailored for Shared Ownership or New Home Schemes, you could buy your new home with as little as a 5% deposit. So, let’s explore your options today and find the solution that works best for you.

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"Her expertise and knowledge of the market meant that we were able to obtain a brilliant mortgage deal, even with our unique circumstances."

James L

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Let's Find You a Mortgage Deal

Get in touch and I’ll reach out to schedule your initial fee-free, no-obligation consultation.

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MORTGAGE ADVICE IN WORCESTER

Where to find me

Frequently asked questions

Think of a Mortgage Adviser as your personal guide through the maze of home loans:

Finding the Right Deals: Mortgage Advisers have access to a wide range of lenders, from big banks to local credit unions. We’ll hunt down the right mortgage deal tailored to your financial situation.
Expert Advice: Not sure how to boost your credit score or manage your finances for a mortgage? We’ve got you covered with tips and advice to make sure you’re in the best shape to get that mortgage.
Application Help: The paperwork can be daunting, but we will assist you every step of the way. From pulling your credit report to verifying your income and expenses, we make the process smoother.
Negotiation Skills: We’ll go to bat for you, negotiating with lenders to secure favourable terms and interest rates. It’s like having a skilled negotiator on your side.
Ongoing Support: From start to finish, we’re your go-to person, liaising with all parties involved to ensure everything goes off without a hitch until your mortgage is completed.

Whether you’re a first-time homebuyer or looking for a specialised product, a mortgage adviser can make the journey to homeownership a lot less stressful.

Absolutely, I’m here to help every step of the way! We’ll kick things off by figuring out how much you can borrow and finding the right mortgage product for your needs. Once you’ve found your dream home, I’ll guide you through the entire process.

Estate agents can sometimes be a bit pushy since they’re working for the seller. But don’t worry, I’m 100% on your side. If any issues pop up during the purchase, I’ll provide clear and honest advice to help you navigate through it all.

Ideally, you should chat with a mortgage adviser before you start your property search. Here’s why:

Early Guidance: I’ll help you understand how much you can afford, which means you can focus on properties within your budget right from the start.
Pre-Approval: Getting pre-approved for a mortgage early on can give you a clear idea of your borrowing power and make you a more attractive buyer to sellers.
Financial Check-Up: We can review your financial situation, suggest ways to improve your credit score, and help you get your finances in order.

So, the best time to see a mortgage adviser is as soon as you’re thinking about buying a home. I’ll be your guide through the entire process, from pre-approval to closing the deal.

First-time buyers can gain a lot from chatting with a mortgage adviser, such as:

Expert Guidance: Navigating the mortgage world for the first time can be overwhelming. A mortgage adviser will break it down for you, explaining all the options and helping you understand what’s best for your situation.
Tailored Advice: They’ll look at your unique financial picture and recommend mortgage products that fit your needs, ensuring you don’t end up with a loan that’s not right for you.
Smooth Process: From getting pre-approved to closing the deal, they’ll guide you through each step, making the whole process less stressful and more manageable.
Negotiation Power: They’ll negotiate with lenders on your behalf to secure the right rates and terms, which can save you money in the long run.
Support and Reassurance: Having an expert on your side can provide peace of mind, knowing you have someone to turn to with any questions or concerns.

So, if you’re a first-time buyer, talking to a mortgage adviser can make your journey to homeownership a lot smoother and more enjoyable.

Self-employed individuals often face unique challenges when applying for a mortgage. A mortgage adviser can be invaluable in helping you understand the specific documentation required, such as tax returns, business accounts, and profit and loss statements. They provide tailored advice to present your finances in the best possible light to lenders, including tips on managing your business and personal accounts separately. Navigating the mortgage process can be more complex for self-employed people, but a mortgage adviser will guide you through each step, ensuring you meet all the requirements and deadlines.

Additionally, they can suggest ways to improve your credit score, reduce your debt-to-income ratio, and recommend the best time to apply for a mortgage to increase your chances of approval. Having an expert on your side offers peace of mind, knowing you have someone to turn to with any questions or concerns throughout the process. This support can make the journey to securing a mortgage much smoother and less stressful.