WHY MORTGAGE DIRECT ?
Initial advice with no obligation
There is no initial charge for simply discussing your situation with one of our advisers. Most enquiries will lead to a mortgage proposal outlining a potential mortgage. If you decide not to proceed after receipt of this proposal, there is still no fee to pay.
Money Back Guarantee
If you decide to proceed with your application following receipt of a mortgage proposal, we will ask you to pay an Administration Fee. However, if for any reason we are unable to find you a suitable mortgage product, we refund this fee, which will give you additional peace of mind (please refer to our Terms & Conditions).
Professionally Qualified Advisers
All mortgage advisers that issue mortgage proposals are fully qualified at FPC and MAQ. They are members of the Chartered Insurance Institute and Personal Finance Society, Which is a compulsory examination for UK-based mortgage advisers to act on behalf of clients. we take pride in ensuring we offer professional advice.
Fast & Efficient Service
A fully qualified adviser will contact you within 24 hours of your initial enquiry and any mortgage proposal will be provided shortly thereafter. All information you provide us with will be treated as strictly private and confidential. You will be able to contact your adviser at any time for a discussion.
Our fees are very competitive and we also provide a “Money Back Guarantee”, as explained above. Most mortgage brokers will charge you a fee, which in some ways reduces the saving they obtain for you - charging a fee is a good indication that they are genuine. Those who do not charge a fee earn their income only on the commission the lender pays them and, as such, may be swayed towards the lender who offers the best commission rather than finding the best mortgage available on the market.
We are based in the Spanish city of Valencia and should you wish to meet with us face-to-face, we are more than happy for you to visit our offices. There is no fee associated with this, or obligation to do so.
The Mortgage Code
This is a code for mortgage advisers based in the UK. Although we cannot subscribe to this code under Spanish regulation, we still follow the principles of The Mortgage Code, as we believe in conducting business in a professional manner and being accountable for our work.
This is best compared to a limited company in the UK. Most banks will only deal with companies that are S.L. registered, meaning we can offer products from all Spanish and UK banks.