As mortgage and protection specialists, Marigold Finance is in an ideal position to offer great mortgage deals. With various mortgage products on the market, finding the right mortgage for your situation can be a daunting task. Our access to over 50 leading banks and building societies, and exclusive products offered by other specialist lenders set us apart from the competition. 

What is important when considering a mortgage product? Fundamentally and with utmost emphasis, the product should match your budget. Any mortgage is a long term commitment; therefore, ensuring that you maintain the repayments is the most important aspect. This singular consideration will impact your loan-to-value, rate and length of the mortgage term. With our keen understanding of the property market, mortgage interest rates and mortgage protection products, we are armed to bring you the right results.  

For practical purposes, we at Marigold Finance understand that speed is important. With over 40 years of combined experience in the London property market, we know how fast the market moves. To accommodate, we maintain regular communications with all key stakeholders, including the conveyancer, and more importantly, the estate agent or vendor. We will communicate with the agent regularly to inform them of the mortgage application’s progress, and reassurance can be given so that you can secure the property.  

Our obligation-free advice-based service is not compromised throughout this process. Although speed is vital, we will always offer the most suitable product taking into account your affordability and lenders’ ever-changing criteria.  

Whether you are interested in exploring a shared ownership mortgage, let-to buy, buy-to-let, fixed-rate, variable rate mortgage or looking to remortgage your home, we can help take the guesswork out of the mortgage process and ultimately find you a solution tailored to your unique set of circumstances.  

How We Work

The first step is to complete an initial fact find, which will go through your earnings, circumstances and affordability to arrive at your most suitable mortgage product. After completing the fact find, we will source the right product and formally present the mortgage, informing you of its costs and restrictions. If you are happy to proceed, we will apply and communicate the progress with all key stakeholders. We will manage the process through to completion, after which we will continue to monitor your mortgage and present suitable alternatives at key stages. You can find more information about the process here.

If you needed a remortgage, help purchase your first home or even finance your buy-to-let investment, we could help. Just head over to our services page to find out more.  

How You Can Help

Remaining organised is key to making sure your mortgage application goes smoothly. Having your PDF bank statements, payslips or tax returns, and identity documents scanned and ready will help get things moving quickly. These then must always be kept up to date to provide current documents to mortgage lenders upon request.  

Protection

As mortgage and protection specialists, we are happy to speak to you about protection requirements to ensure that you can protect your hard-earned property against unforeseen circumstances.