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How we find the best mortgage rate for you

We deal with all mortgages on the market, with over 100 years’ experience in arranging mortgages our advisers have extensive knowledge second to none and will be happy to discuss your options, offering face to face meetings with our local advisers in Thame (covering Buckinghamshire, Bedfordshire, Berkshire, Middlesex and Oxfordshire). We also assist our clients by phone, email and post.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

We search the whole market for the most suitable deal; we explain then arrange the mortgage, dealing with admin, agents, surveyors and solicitors. After your initial deal ends we will endeavour to contact you to review your mortgage and protection products to ensure they are still the most suitable for your circumstances.

For Independent Advice
Complete our Mortgages Enquiry Form

Being one of the biggest financial commitments most people make it is essential that you speak to an experienced adviser. Our ‘whole of market’ independent mortgage adviser’s research the market to ensure you get the most suitable deal for your circumstances.

We know arranging a mortgage can be complicated, that's where we aim to help. Our whole of market, independent mortgage advisers can help you find the best mortgage for your personal situation; here are some benefits of our service.

  • Search the Whole of mortgage market plus exclusive products
  • Point out all typical charges
  • How to avoid penalty clauses (early redemption charges)
  • explain the pros and cons of flexible schemes
  • Lenders that offer Overpay / underpay facilities
  • When to look at Off-setting
  • Standard variable discounts available
  • Bank base Tracker rates
  • Cashback or a combination
  • All types of Re-mortgages
  • The Buy to let products available
  • High loan to value mortgages up to 95% are available
  • Compare Fixed rates with different terms
  • Capped rates
  • Mortgage promise available after a suitable product has been agreed

All this can be made very simple by talking with you mortgage adviser on 01844 390910

First time buyers

We help first time buyers understand the mortgage market, the options available and maximum loan amounts from different lenders. Our mortgage advisers help clients budget and plan using suitable products to achieve their goals.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

New builds

(LTV restrictions, developers, builder deposits, self-builds and conversions) We deal with a number of the UKs leading developers assisting our clients in purchasing their new home. We have access to exclusive products with limited availability and have been developers preferred brokers for developments around the home Counties.

Buy-to-let & Let-to-buy

(Age restricted, income restricted, let-to-buy and large portfolios) From first time landlords to experienced portfolio landlords, we work with our clients helping them understand the products available, and more importantly what is available to them. We also work with experienced buy to let accountants that have many years' experience and large portfolio landlords they look after, helping our clients business to remain tax efficient.

Remortgage

Over the term of the mortgage renegotiating your rate and terms will can save thousands and reduce the term of the mortgage. If your remortgaging to get a better rate, for debt consolidation, home improvements or to release some extra cash. We are here to advise and guide our clients through the maze or remortgage products available, completing the paper work and liaising with the lender and solicitor to ensure a smooth remortgage takes place.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Overseas and International mortgages

We are able to discuss options available to purchase or remortgage properties internationally or, international clients purchasing or remortgaging within the UK. If this applies to your circumstances our advisers will be happy to introduce you to lender who specialise in this type of borrowing.

For overseas and international mortgages we act as introducer's only. Changes in the exchange rate may increase the sterling equivalent of your debt.

Foreign Visa Workers

Many Visa applicants looking to get on the housing ladder within the UK but struggle due to having a work VISA, there are many different types of VISA from working, student, family, skilled, investor, sponsored then different types of tiers 1,2,3,4 and 5. Our advisers will complete a fact-find, discuss the situation and give advice and recommendation on how they can purchase/remortgage. Most lenders will want to see the VISA with client to have a minimum of one year remaining on the VISA plus minimum deposits.

High Net Worth clients

We deal with many high net worth clients. We have relationships with many of the countries bespoke lenders that will only look at certain clients and mortgages.

Key Workers

Police, NHS and Fire service worker mortgages. Key workers are an important part of the society and their jobs are also noted by lenders for having slightly more security than others. We have helped many on the housing ladder - guiding them through the various schemes available, from shared ownership, catalyst and home-buy to mention but a few. We assist with our clients staircase purchase their remaining equity/share.

Commercial Mortgages

(Mixed commercial and residential use or property with planning consent to change from commercial to residential) Our advisers can assist with finding a lender, solicitor, surveyor and insurance for your new commercial property. It is possible to wrap your commercial building within a pension for tax advantages. We are happy to be able to introduce you to fully qualified advisers who can explain the stages in full.

Ex Pat mortgages

We assist many of our clients working abroad to purchase property within the UK. These cleints can actually get on residential rates provided they intend to come back and reside in the UK within 2 years. We help with the purchase, remortgage and liaise with solicitors and estate agents to make things easier whilst abroad.

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Services are you interested in?

You can choose how Bright Money Independent Ltd are paid for mortgages; typically we do not charge however, you can pay a fee, usually 1% of the loan amount,
in cases that more work is required we may agree a fee upfront before any work is undertaken.
For Equity Release we are typically paid by the lender, however we offer a fee only service which is 1.5% of the loan amount.
Trading Address - 5a Cornmarket, Thame, Oxfordshire, OX9 3DX
For protection insurance we offer products from a limited panel of providers
For buildings and contents insurance and accident sickness & unemployment insurance we offer products from a selected panel of providers.
Registered Address - Coleridge House, 5-7A Park Street, Slough, SL1 1PE | Registered in England No 07801150