Independent Mortgage Advice
When it comes to finding the right mortgage, one size doesn’t fit all. At P J McIlroy & Son, our goal isn’t just to sell you a mortgage product—we are committed to finding a mortgage that best fits your unique financial situation.
Why Choose Independent Mortgage Advice?
Navigating the mortgage market can be complex, especially when every lender has different criteria for approval. If your mortgage application is declined, it could negatively impact your credit rating, making future applications more difficult. That's why getting it right the first time is crucial.
We search the market on your behalf and assess the various lenders and products, ensuring you get the most competitive deal for your circumstances. And if your situation is more unusual, we know which lenders are more likely to meet your needs.
Our Mortgage Service
Our service goes beyond comparing interest rates. While it may be tempting to focus solely on the initial rate, other costs such as survey fees, arrangement fees, and solicitor fees can add up. We ensure you have the full picture, calculating all associated costs to find the right mortgage package for your needs.
We offer advice and support for:
- First-time buyers: Helping you secure your first home with confidence.
- Home movers: Finding the best deal when it’s time to upsize or downsize.
- Remortgaging: Helping you switch to a more suitable mortgage product.
- Buy-to-let mortgages: Guiding you through the process of financing rental properties.
Ongoing Support
At P J McIlroy & Son, our service doesn’t stop when your mortgage is approved. We’ll support you through every step of the home-buying journey, from making an offer on your property to arranging essential insurances such as life assurance, home insurance, and income protection.
Our dedicated advisers and insurance brokers are here to ensure the process is as smooth and stress-free as possible, providing you with personalised guidance every step of the way.
Get in Touch
For professional, independent mortgage advice tailored to your needs, call us on 02820762353 or email us at ifa@pjmcilroy.co.uk to arrange an initial consultation.
