Yes, absolutely. We are sometimes asked how we can afford to do this, and the answer is: we are paid a commission by lenders upon successful completion of each mortgage we arrange. We have always been transparent about our charges, and this will never change. We do this because we believe in being open and honest with all our clients. As added reassurance, we are bound by strict Financial Conduct Authority (FCA) regulations, which are in place to ensure all financial services customers are treated fairly. These regulations also give you added reassurance that you are receiving only impartial advice that is in your best interests.
Fee-free mortgage advice
Our fee-free mortgage advice offers expert guidance at no cost to you. Instead, James Leighton’s mortgage brokers are paid a commission by the lender upon successful arrangement of a mortgage, ensuring accessible, professional support for everyone on their home-buying journey.
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MAKING MORTGAGES ACCESSIBLE
Free expert mortgage advice
There are many costs involved when it comes to homebuying. That’s why we like to make things easier for our clients. Our fee-free mortgage advice services provide you with specialist, professional advice from highly qualified, experienced brokers. There are no upfront costs with these services, which means one less fee you have to find. Not only will you save money, you will also avoid hidden costs. You will have access to a wide range of deals that aren’t available when going direct to banks. And you’ll benefit from a personalised service that’s tailored to your individual needs and circumstances.
- Call: 0115 870 9520
- Email: [email protected]
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Maximise potential upfront savings
As well as benefitting from no upfront costs, you could also make additional savings. For example, when it comes to remortgaging through James Leighton, you will save on fees every time, which over the years, all adds up.
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Access to the whole of market for mortgages
We are whole-of-market mortgage advisers. This means we have access to deals that you might otherwise not be able to find if you’re approaching lenders directly; or if you’re using advisers that are tied to specific lenders
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Professional, experienced advice
From the moment you approach us for advice to the moment you secure the mortgage that works best for you, your needs and financial situation, you will experience only the highest levels of customer service and care.
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First-time buyer support
We work with first-time buyers every day and understand how overwhelming buying a property for the first time can be. At James Leighton, we work hard to simplify the process for all our clients on their first home-buying journey.
Specialist mortgage solutions
As specialist mortgage advisers, we’ve helped a wide range of self-employed clients, limited company directors and clients with complex incomes secure their mortgages.
Your mortgage eligibility
When assessing your eligibility and affordability, mortgage lenders review your income, typically allowing you to borrow up to 4 or 4.5 times your annual earnings. They look at your debt-to-income ratio, checking debts remain manageable, and they evaluate your credit history for reliability. Lenders also inspect your recent spending habits and consider any future financial commitments, such as childcare or anticipated income changes, to satisfy themselves you can afford repayments both now and in the long term.
When fees do apply
Our mortgage advice is fee-free. We are committed to always being completely transparent about the ways we earn. And we are careful to ensure you’re aware of any associated costs you may incur prior to purchasing a property. For example, there may still be some lender fees you need to know about. Should you use other James Leighton services where a fee is applicable, we will always inform you in advance, so you can relax knowing there will never be any surprises.
How interest rates impact offers
Interest rates play a critical role in determining mortgage offers and the affordability of repayments. Variable or tracker mortgage payments rise if the base rate increases and fall if the rate drops. With fixed rate mortgages, you are shielded until the fixed period ends. It’s important to plan ahead for possible rate increases, as this helps ensure you can manage any higher costs comfortably in the near and distant future.
Reasons to choose
James Leighton Financial Services
When you use a James Leighton adviser for your mortgage solutions, you are tapping into exceptional mortgage market expertise. You will be guided through the whole process, from start to finish. Your broker will ask you questions to establish what you need and want from your mortgage, and they’ll discuss all relevant opportunities and challenges.
They will support you throughout and will help guide you should you be faced with issues that are complex. You can be sure of ongoing reassurance and communication at the level you require, in the ways that work best for you and at times that work around you. They will help to make the entire process convenient and efficient, as our mortgage advisers will be acting as an intermediary between you and lenders.
- Call: 0115 870 9520
- Email: [email protected]
FAQs
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Is your fee-free mortgage advice really free?
A
Q
Can I still get access to mortgage deals?
A
Yes. When you use our mortgage advisers, you will have access to deals across the whole of market. We are not tied to specific lenders; we will be able to search across the market for the deals that are most suited to you and your needs.
Q
Do you help first-time buyers, remortgages, and Buy-to-Let clients?
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Yes, we do. We have successfully helped thousands of first-time buyers, remortgagers and Buy-to-Let clients with their property-buying journeys over the years.
First-time buyers
Buying your first home? Our first-time buyer mortgage advisers will provide clear explanations and dedicated support throughout the process.
Remortgaging
Looking for a more suitable mortgage deal? Our remortgage brokers will help you explore your options and make the switch.
New build mortgages
Get professional advice on securing a mortgage for a new build property.
Buy to Let
If you’re investing in property, our advisers can help you find Buy to Let mortgages that align with your financial goals.
Some Buy to Let mortgages are not regulated by the Financial Conduct Authority.
£300+
for a fixed fee to 1% of the loan amount (£1,000 per £100,000) is how much fee-charging mortgage brokers cost.
This is typically paid on completion, to the broker.
*Source: https://www.moneysavingexpert.com/mortgages/mortgage-fees-stamp-duty/
What our customers say
Made a daunting process smooth and easy. No faults