Expert Mortgage Advice – Guiding You Every Step of the Way
Finding the right mortgage can feel overwhelming, but at Mather & Murray Financial, we make the process clear, simple, and stress-free.
Whether you are a first-time buyer, remortgaging, investing in buy-to-let, or self-employed, our independent mortgage advisers provide expert guidance to help you secure the best deal available.
Unlike high-street banks, we are not tied to any lender, meaning we can search the whole market to find the right mortgage for your individual circumstances.
How Our Mortgage Advice Process Works
Step 1: Free Initial Consultation
Your journey starts with a free, no-obligation consultation, where we:
- Discuss your financial situation and mortgage needs.
- Explain the different mortgage options available.
- Answer any questions and provide clear, jargon-free advice.
- Assess your eligibility and guide you on the best next steps.
Step 2: Mortgage Research & Recommendation
Once we understand your needs, we:
- Search the whole market, including specialist lenders that may not be available on the high street.
- Compare rates, fees, and terms (criteria) to find the best mortgage deal.
- Provide a personalised mortgage recommendation tailored to you.
Step 3: Mortgage Application Support
Once you’re happy with the mortgage recommendation, we:
- Handle the full application process on your behalf.
- Liaise with lenders, solicitors, and surveyors to make the process as smooth as possible.
- Keep you updated at every stage, so you always know what’s happening.
Step 4: Mortgage Offer & Completion
Once your mortgage is approved, we:
- Review the lender’s mortgage offer to ensure everything is correct.
- Work with your solicitor to ensure a seamless property transaction.
- Provide ongoing support even after your mortgage completes.
Why Choose Mather & Murray Financial for Mortgage Advice?
- Independent Advice – We work for you, not the banks, ensuring unbiased recommendations.
- Whole-of-Market Access – We search a wide range of lenders, including specialist mortgage providers.
- Expert Guidance – Our advisers simplify the process, making mortgages easy to understand.
- Personalised Solutions – Every client is different, so we tailor our advice to your unique circumstances.
- Stress-Free Process – We manage everything for you, saving you time and hassle.
Book Your Free Mortgage Consultation Today
No matter where you are in your mortgage journey, expert advice can save you time, stress, and money.
Call us today or book a call back with one of our independent mortgage advisers.
As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage payments.
Some types of buy to let mortgages are not regulated by the Financial Conduct Authority.
Mortgage Capacity Reports – Understanding Your Borrowing Power
A Mortgage Capacity Report is a vital tool for anyone going through a major life transition, particularly divorce or separation. If you need to prove your mortgage affordability to a court, solicitor, or ex-partner, this report provides clear, professional evidence of how much you could borrow.
At Mather & Murray Financial, we help individuals navigate these complex financial decisions with confidence. Our independent mortgage advisers can assess your income, expenses, and overall affordability, ensuring you understand what mortgage options are available to you.
What is a Mortgage Capacity Report?
A Mortgage Capacity Report is a detailed financial assessment that determines how much you could realistically borrow from a mortgage lender. It evaluates:
- Your income sources, including salary, bonuses, and other earnings.
- Your monthly financial commitments and outgoings.
- Any existing debts that may impact affordability.
- Your credit history and overall financial profile.
- A final affordability calculation showing the estimated maximum mortgage amount you may be eligible for.
This report provides clear evidence of your financial position, which can be particularly useful when negotiating a divorce settlement, property division, or planning for independent homeownership.
When Do You Need a Mortgage Capacity Report?
A Mortgage Capacity Report is most commonly required in situations where:
- A court or solicitor requests mortgage affordability evidence during divorce proceedings.
- You need proof of borrowing power for financial planning post-separation.
- You are considering buying out your ex-partner’s share of a property.
- You need to demonstrate your ability to secure a mortgage independently.
Many people assume they won’t qualify for a mortgage after a relationship breakdown, but in reality, specialist lenders exist to support individuals with changing financial circumstances.
How Does the Process Work?
Getting a Mortgage Capacity Report is simple with Mather & Murray Financial.
- Initial Consultation – Contact us for a free, no-obligation consultation to discuss your situation.
- Financial Data Gathering – We collect information on your income, expenses, debts, and credit history.
- Expert Analysis – Our mortgage specialists review your financial details and assess your borrowing potential.
- Report Delivery – You receive a detailed report outlining your mortgage capacity and lender options.
- Planning Your Next Steps – Use the report to support legal proceedings or as a guide for securing a mortgage.
Our independent mortgage advisers in Swindon and across the UK are here to help you navigate these financial changes with confidence.
Why Choose Mather & Murray Financial?
- Independent Mortgage Experts – We search the whole market, giving you access to the best mortgage deals.
- Support During Life Transitions – We understand the complexities of mortgages during divorce and provide clear, professional guidance.
- Fast & Reliable Reports – Our reports are trusted by solicitors and courts and can help streamline financial negotiations.
- Personalised Advice – Every financial situation is different, and we tailor our guidance to your unique circumstances.
If you need a Mortgage Capacity Report, speak to our team today to discuss your options.
Call us now or book a consultation to take the next step toward financial independence.
