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Tell us when your mortgage is up for renewal to see if Nottingham Mortgage Services could save you money. An adviser will contact you 3-6 months before your deal ends and will look through thousands of mortgages from over 60 different lenders to see how much you could save.

Thousands of happy customers have already come to us for mortgage advice because we can save them time, money and stress. That's why we've got a 98% satisfaction rate.
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How mortgage advisers can help you find the right mortgage for you

Taking on a mortgage is the single biggest financial commitment most of us will ever make. Yet not enough of us seek tailored, reliable professional advice. 

The mortgage market is vast and fluid. While you could conduct your own online mortgage searches, and get access to those mortgages that are directly accessible to customers, why not let mortgage advisers do it for you? Even if you think you have found a mortgage at a rock-bottom rate, you may be forced to think again. The deal that might look good now might be seen as a massive mistake down the line because there are lots of things that need consideration, such as the type of the mortgage, the term, flexibility and qualifying criteria. Lenders, like lots of businesses, experience peaks and troughs in demand and sometimes they have backlogs. 

If you need a mortgage quickly – perhaps because you want to buy a property at auction – you need to know a lender will be able to deal with your application within your timeframe. And, here’s a thing, lenders are not always up front with customers about such things. Different lenders also have different qualifying criteria for their products. Some lenders may automatically refuse a mortgage because a potential customer has missed a credit card payment in the past few months, for example. It happens. Others will take a more relaxed view. 

A good mortgage broker knows each lender’s rules inside out. Consequently, they can stop customers wasting their time on applications that are destined to be rejected. This is more important than you might think because mortgage applications inevitably come with credit checks. If a customer has numerous mortgage-related credit searches against their name in a short period of time, it can reduce their credit score. Nottingham Mortgage Services advisers can give you that crucial information, because they have good lines of communication with the different lenders and the advisers know how well placed a particular lender may be at any given time to meet your requirements. 

Many of us don’t appreciate the potential perils of trying to find a mortgage ourselves. The DIY approach could see you get a less than competitive deal and you could s
uffer delays which could see you miss out on your dream home.

Nottingham Mortgage Services will try to find you a better mortgage deal offering impartial mortgage advice if you are remortgaging and the right deal for your first step onto the property ladder if you're a first time buyer. Plus, we have a downloadable PDF guide for first time buyers with the information from this article and much more. Nottingham Mortgage Services search over 60 lenders and hundreds of different mortgages to find the right one for you. 

This guide is intended as a summary only and does not constitute legal advice given by Nottingham Building Society or Nottingham Mortgage Services. No reliance should be placed on this guide and you must make your own decisions. We recommend that you seek legal and/or financial advice if you have any questions or queries.


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Is your mortgage deal coming to an end?

Talk to Nottingham Mortgage Services today and their expert advisers will compare thousands of mortgages from over 60 different lenders to find the right deal for you. They won’t just look at the headline rates, they’ll weigh up your financial circumstances and look at all the mortgage features and hidden costs to find the ideal mortgage for your needs..

Thinking about buying your next rental property?

Our qualified advisers can compare the market to find competitive buy to let mortgages. Call us today and find out how you could benefit.

Fee free mortgage advice for qualifying members

Qualifying members can access fee free mortgage advice from Nottingham Mortgage Services, a service which typically costs £299. Nottingham Mortgage Services advisers will search over 60 lenders to find the right mortgage for you - whether you're a first time buyer, remortgaging or getting a rental property. And as a qualifying member you can pass on this benefit to a family member.

Send an enquiry

Mortgage advisers at Nottingham Mortgage Services will search thousands of mortgages from over 60 lenders for you. Send us an enquiry or if you’ve already spoken to an adviser, you can find their contact details here.

Essential guides

Our handy guides provide information for all times of situations - from first time buyers to getting a mortgage when you're over 50 to finding out how much deposit you actually need, plus much more.

Step by step mortgage guide

We've provided a step by step guide for the mortgage application process. Take a look to find out what happens in between the initial consultation and completion of your mortgage.