Fast, reliable and friendly service
Available at a time that suits you. Whether you prefer to discuss face to face, over the phone or on a video call, we are flexible to meet your requirements
As whole of market mortgage brokers we can find the best solution to meet your needs
We are here for you. A dedicated mortgage professional will look after you from initial enquiry through to completion
“Daunting”, “intimidating”, “confusing”. Those are just some of the words we often hear used to describe the process of getting a mortgage, especially if you’re a first-time buyer. Identifying the best product, the best lender, an acceptable interest rate and suitable term is a time-consuming and complex business.
To ignore the advice from an expert is a mistake. As consumer rights campaigner James Daley, of Fairer Finance, says: “Making the wrong choice about your mortgage can cost you hundreds – even thousands of pounds – more than you need to pay. And because mortgages are awash with additional fees and charges, it’s easy to get tripped up. That’s why it makes a lot of sense to go with a mortgage broker.” Mr Daley is right – which is why almost two thirds of UK home loans are now taken out through a broker.
I set up Lakewood Mortgage Solutions after several years working within the industry, building up a wealth of experience advising on residential, buy to let and commercial mortgages, as well as bridging and development finance.
Prior to this I grew up helping my Dad – a mortgage broker of 30 years’ standing – with admin work. I’d ask a million questions to understand what he did and why. I wanted to know everything. I saw how he helped people not only get on the property ladder but improve their lives, sometimes dramatically. In the end, his decades of knowledge and experience – and the smiles his clients always walked away with – made me realise that I wanted to build a similar career for myself and help my own clients to buy their dream homes. So i worked hard and achieved my Certificate in Mortgage Advice and Practice. And then after years of learning from other experts in the industry and personally advising hundreds of clients to achieve their dreams, I took the next step and created Lakewood Mortgage Solutions.
Lakewood Mortgage Solutions’ ethos is simple – we’re serious about service and committed to getting you the right mortgage for your circumstances. We want to take away the jargon and guide you to ensure you get the best deal. There is no such thing here as a silly question, and we want be to there every step of the way on your journey to achieving your dream home.
Prior to becoming a mortgage broker myself, I’ve been in the same position you might be in now: feeling a bit scared and needing to speak to an expert about my own mortgage, and facing what feels like a ton of forms full of confusing industry jargon. That broker – naturally, my dad – showed me the best product in the whole market. It felt very good to know that I was in safe hands, being looked after by an expert. Having been through the process myself as a first-time buyer, I know what it feels like, so if that’s how you’re feeling now, don’t worry. I’m highly experienced in people-focused roles, and will very quickly put you at ease and explain the whole process. I’m with you every step of the way, and will give you tailored advice to suit your specific financial needs.
I enjoy helping people with complicated and/or difficult situations, especially when they have initially been refused a mortgage elsewhere or don’t think they can get a mortgage. It’s important to me to ensure we explore all avenues to find a solution.
Many people go directly to their bank, especially first-time buyers, but this is one of the worst mistakes you can make as high street banks sell only a limited selection of their own products, which means you often don’t get the most competitive interest rate available.
Also, maybe because you don’t meet their specific lending criteria, your bank cannot help. Being self employed or having previous debt or credit issues, for example, can make it particularly difficult to get a mortgage. Or perhaps you just don’t have the time to sift through the hundreds of products you can find on comparison sites (and, even if you do, you won’t be able to see and compare the whole market).
But in many situations it is possible to get a mortgage after seeking professional advice from an expert with access to products not available on the high street. You get the advantages of looking for an online mortgage while still being able to speak to and engage with a mortgage broker in Tunbridge Wells. We will search different types of mortgages and review your personal situation to provide you with the best solution.
Confusion about how much can be borrowed results in people either looking at properties that are unaffordable (when they wrongly believe they can borrow more than their circumstances will allow) or not looking at all because they don’t think they can get a mortgage. Confusion can also lead to paying too much for a mortgage, which in turn may result in a struggle to afford luxuries for your kids and family.
One relatively small increase in the interest rate adds up – over the 25- or 30-year life of a mortgage – to a lot of money. If it’s not budgeted for, it can be very stressful for all concerned. If it’s not confusion getting in the way, it’s often the frustration of being turned down by a bank and not being able to move forward with a property purchase. People simply give up and continue renting – which is nearly always more expensive in the long run than buying your own home. Owning your own home very often becomes a hugely significant asset which boosts you financial security. Those who reach retirement age and don’t own their home are less financially secure.
With a mortgage broker, you’re protected. We’re qualified, we know the industry, and we’re on your side. Work with me, Alisha, an expert in the field, and I’ll greatly increase your chances of obtaining a mortgage at a competitive rate.
I’m only a phone call away and can visit you at your place of work or home, and you’ll find that I’m always available for urgent problems. If you’re exceptionally busy, the whole process can even be completed over the phone. We will be happy to provide you any information you require about mortgages.
I’ll be able to establish how much you can borrow and will take all the hassle out of getting a mortgage.
Book a free consultation today and get expert advice. My direct number is 01892 278 381
We offer a full range of mortgages to people in Tunbridge Wells and the surrounding areas. These include residential, buy to let, self employed & contractor mortgages. We also offer a range of insurance & protection packages. We understand everyone has a unique situation and take the time to analyse the market alongside your requirements to find the best deals for you. At Lakewood Mortgages, we understand that taking out a mortgage is a big decision. That’s why we offer Mortgage Broker services to our clients in Tunbridge Wells. We’ll work with you to make sure that you find the right mortgage for your needs and give you the advice you need to make an informed decision. We’re committed to finding the best possible solution for your individual circumstances and we’ll work with you every step of the way. Contact us today to learn more about our Mortgage Broker services in Tunbridge Wells.
Fast, reliable and friendly service
Made the whole experience of buying a house stress-free and so smooth. Very knowledgeable and you can trust they will do the best for you. Thank you so much!
Friendly service, excellent communication and everyday availability. Greatly recommend
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