Buying a home is one of the biggest financial decisions most people will make. At Diamond Estate Agents, our job is to help you find the right property, but we also understand that getting the right mortgage in place can be just as important.
That is why we refer our buyers to The Mortgage Quarter, a specialist mortgage advice firm with offices including Exeter.
We don't believe in simply handing you a list of lenders and leaving you to work it out. We want our clients to have access to experienced mortgage advisers who can look at their individual circumstances, explain their options and help them navigate what can sometimes be a complicated mortgage process.
Why The Mortgage Quarter?
There are plenty of mortgage brokers available, so why do we choose to refer our clients to The Mortgage Quarter?
Quite simply, we believe they offer the level of service and expertise that our clients deserve.
The Mortgage Quarter works with first-time buyers, home movers, property investors and people looking to remortgage. Their advisers can also help with more specialist circumstances, including self-employed applicants, buy-to-let, limited company mortgages and specialist finance.
Access to a Wide Range of Mortgage Products
One of the biggest advantages of using a mortgage adviser is the ability to look beyond the products available from a single bank or building society.
The Mortgage Quarter has access to more than 12,000 mortgage products from over 90 lenders, including lenders that may not be available to customers approaching lenders directly.
That wider choice can be particularly valuable when your circumstances don't fit neatly into a standard mortgage application.
First-Time Buyers
Getting onto the property ladder can feel complicated enough without trying to understand every mortgage option at the same time.
The Mortgage Quarter provides advice specifically for first-time buyers, including assistance with areas such as agreements in principle, gifted deposits, shared ownership and joint mortgages.
For Diamond, this means we can introduce buyers to a mortgage adviser early in their property search, helping them understand what they may be able to borrow before they start seriously viewing properties.
Knowing your budget before you fall in love with the house is always a good idea.
Moving Home
For existing homeowners, moving can be more complicated than simply finding a new mortgage.
You may already have a mortgage, an existing fixed-rate deal, equity in your current property or a property that needs to be sold before you can buy.
The Mortgage Quarter offers advice for home movers, helping clients consider their mortgage options alongside their plans to move.
This can be particularly useful when the financial side of a move needs to work alongside the sale and purchase.
Specialist Circumstances
Not every buyer fits the standard mortgage mould.
Self-employed applicants, company directors, contractors, investors and buyers with more complicated financial circumstances may need a more specialist approach.
The Mortgage Quarter has dedicated mortgage advice covering areas including self-employed mortgages, buy-to-let, limited company mortgages and specialist finance.
That breadth of experience is one of the reasons we are comfortable introducing our clients to them.
It's About More Than Finding a Rate
We believe good mortgage advice should be about more than simply finding the lowest interest rate.
Your mortgage needs to work for your circumstances, your plans and your property purchase.
A mortgage adviser can help you understand the options available, explain the implications and guide you through the application process.
For buyers, having someone experienced helping with the financial side of the transaction can provide valuable reassurance.
Advice That Fits Around You
Buying a home can already involve plenty of appointments, paperwork, phone calls and deadlines.
The Mortgage Quarter offers appointments outside standard office hours and can meet clients either face-to-face or remotely by video conference.
That flexibility can make the mortgage process easier to fit around work, family and everything else involved in moving home.
Why Diamond Makes the Introduction
We refer clients to The Mortgage Quarter because we want to make the buying process as straightforward as possible.
Our role is to help you:
Find the right property.
We understand the local property market and what is available.
Understand your options.
We can introduce you to an experienced mortgage adviser who can discuss your financial circumstances.
Move forward with confidence.
Having your finances organised early can help you approach your property search with a clearer understanding of your budget.
Keep the process moving.
Once you've found a property, having mortgage advice in place can help avoid unnecessary delays.
A Local Team for a Local Property Market
As a local estate agent serving Tiverton, Mid Devon, Bampton and the surrounding areas, we know that every buyer is different.
A first-time buyer in Tiverton may have completely different requirements from someone moving from Exeter, a family upsizing in Mid Devon or a landlord purchasing an investment property.
That's why we prefer to introduce our clients to professionals who can provide advice based on their individual circumstances.
The Mortgage Quarter is a referral partner we trust to provide that specialist mortgage advice.
Ready to Start Your Property Search?
If you're thinking about buying a home in Tiverton, Bampton, Cullompton, Exeter or the surrounding areas, speaking to a mortgage adviser early can be a sensible first step.
The Mortgage Quarter can discuss your circumstances, explain the mortgage options that may be available to you and help you understand your potential buying budget.
Important Information
Diamond Estate Agents refers clients to The Mortgage Quarter for mortgage advice. Diamond Estate Agents does not provide mortgage or financial advice.
The Mortgage Quarter is a trading name of Brook Financial Services Ltd, which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited, which are authorised and regulated by the Financial Conduct Authority.
Mortgage availability and suitability will depend on individual circumstances, lender criteria and affordability. An introduction to The Mortgage Quarter does not guarantee that a mortgage will be available or that a particular product will be suitable.
