Here for you every step of the way
Complete mortgage services under one roof
Available 7 Days a week
Welcome to Mortgages Made Simple, your trusted mortgage broker in Daventry, Northamptonshire. We are committed to offering clear, dependable mortgage advice and personalised financial solutions, designed to help you manage the UK property market with confidence, all under the regulated guidance of the Financial Conduct Authority.
Whether you’re a first-time buyer, relocating to a new home, seeking the best mortgage deals, or exploring options like equity release, our experienced mortgage broker team in Daventry is here to assist you throughout the entire process.
We aim to make your property experience as straightforward and stress-free as possible, providing expert advice to help you achieve your property goals with certainty. You can be assured that all our services comply with the high standards set by the Financial Conduct Authority.
In addition to Daventry, we proudly offer professional mortgage services in several other locations across Northamptonshire, ensuring we can meet your needs no matter where you are based.
Discover how Mortgages Made Simple can support you with expert advice and clear guidance, making the process of securing the right mortgage as simple as possible.
Experience matters!
Our team of mortgage broker specialists in Daventry, Northamptonshire, brings over 20 years of experience in providing personalised and tailored advice to our clients. With access to a wide variety of mortgage options, we thoroughly assess hundreds of potential deals to ensure we suggest those best suited to your specific needs and financial situation.
We aim to make your mortgage experience in Daventry as smooth and stress-free as possible. To do so, we manage all communication with solicitors, estate agents, and other third parties on your behalf. This full-service approach lets you concentrate on the excitement of your new home without the hassle of handling time-consuming paperwork.
As part of the PRIMIS Network, we act as appointed representatives and are regulated by the Financial Conduct Authority (FCA). This guarantees that all our advice and services are compliant, transparent, and designed to give you peace of mind. Rely on our committed mortgage broker team in Daventry to support you throughout the process with professionalism and care.
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Daventry mortgage broker
At Mortgages Made Simple, we are proud to support a broad range of clients, including first-time buyers, homeowners planning to relocate, those looking to remortgage, and buy-to-let investors. As skilled mortgage broker specialists in Daventry, Northamptonshire, we have access to more than 60 lenders, enabling us to find a customised mortgage solution that best fits your financial situation and individual needs.
By choosing our mortgage broker services, you gain from a personalised and thorough approach. We carefully review different mortgage options, ensuring that we secure not only a competitive rate but also a structure that suits your long-term financial goals. Our committed mortgage broker team in Daventry provides consistent support from your initial consultation to final approval, making the process easier and offering clear guidance at every step.
It’s important to remember that failure to keep up with mortgage repayments can lead to your home being repossessed. We focus on responsible borrowing by ensuring you fully understand your mortgage agreement and are prepared to meet your repayment responsibilities. Your home may be repossessed if you do not keep up repayments on your mortgage.
First Time Buyer Mortgages
Purchasing your first home is a significant achievement, and at Mortgages Made Simple, we’re here to make the experience smooth and rewarding. As trusted mortgage broker professionals in Daventry, Northamptonshire, we specialise in assisting first-time buyers in reaching their goal of homeownership.
After saving for your deposit, the next step can seem daunting. Our mortgage broker team in Daventry offers expert advice and straightforward guidance, addressing the specific challenges first-time buyers encounter and ensuring you feel supported every step of the way.
We provide access to 90% and 95% mortgages, tailoring options to fit your individual needs. With connections to a wide variety of lenders, we help you determine how much you can borrow and secure the best available deal in Northamptonshire.
Take the first step toward owning your home with Mortgages Made Simple. Contact us today to discuss your mortgage options with confidence.
Re-Mortgaging Solutions
Remortgaging can be a sensible financial decision, and at Mortgages Made Simple, we assist clients across Daventry, Northamptonshire, in understanding their options. Whether your fixed rate is ending, you’re consolidating debts, or aiming to avoid paying too much on a standard variable rate, our mortgage broker team is here to help you find affordable solutions.
Here are some key reasons to consider remortgaging:
- Lower Interest Rates: Save money by securing a more competitive rate, reducing your monthly payments.
- Shorten Your Term: Pay off your mortgage faster and save on interest.
- End of Current Deal: Prevent higher variable rates by switching to a new deal.
- Debt Consolidation: Combine debts into one manageable payment, possibly at lower rates.
- Home Improvements: Release equity for renovations that could increase your property’s value.
- Access Cash: Free up funds for investments or major expenses.
RISK WARNING: Think carefully before securing other debts against your home. Consolidating debt may lower your monthly payments now but could result in higher overall costs. Your home may be repossessed if you do not keep up repayments on your mortgage.
Contact us today to discuss your remortgaging options in Daventry, Northamptonshire, with confidence.
Self Employed Mortgages
The mortgage process can be difficult for self-employed individuals, but at Mortgages Made Simple, we specialise in simplifying it. Whether you’re a business owner with just one year of accounts or feeling overwhelmed by the process, our mortgage broker team in Daventry, Northamptonshire, is here to assist you.
Expertise in Self-Employed Mortgages
We work with a variety of lenders every day and understand the specific criteria for self-employed clients. Whether it’s using one year’s accounts, assessing profit before tax, or factoring in salary, dividends, or net profit share, we know the right lenders to approach to secure the best deal.
Stress-Free Support
We manage the entire process for you, liaising with lenders and reviewing your financial situation to find personalised solutions. Our aim is to make the experience as simple as possible, ensuring it aligns with your specific needs as a self-employed professional.
Focus on Your Business
Let us handle the complexities, from initial inquiries to final approval. With Mortgages Made Simple, you can focus on running your business, knowing that we’ll secure the right mortgage for your financial goals.
Contact us in Daventry, Northamptonshire, today to discover how we can assist with your self-employed mortgage needs.
Buy to Let Mortgages
Whether you’re entering property investment for the first time or you’re an experienced portfolio landlord, choosing the right mortgage broker is crucial for your success. At Mortgages Made Simple, your trusted mortgage broker in Daventry, Northamptonshire, we specialise in simplifying Buy to Let mortgages and offer personalised advice to help you achieve your investment goals.
Understanding Buy to Let Mortgages
Buy to Let mortgages differ from residential options, typically requiring a deposit of 20% to 25% of the property’s value or purchase price. Lenders primarily evaluate potential rental income, which must usually cover 120% to 145% of the mortgage interest to ensure payments are met. Some lenders may also require a minimum personal income to process your application.
If you’re a Professional Landlord with four or more properties, lenders may impose stricter criteria, limiting your options due to the perceived risk associated with larger portfolios. This makes selecting the right mortgage broker in Daventry, Northamptonshire, even more critical.
Expert Support for Buy to Let Success
Managing the complexities of Buy to Let mortgages can be challenging, but our experienced mortgage broker team in Daventry is here to support you. We understand the unique requirements and will guide you through the process, reviewing investment opportunities and ensuring your decisions align with your financial goals.
Avoid the stress of navigating a Buy to Let mortgage on your own. Contact Mortgages Made Simple in Daventry, Northamptonshire, to explore your borrowing options and confidently take the next steps in property investment.
RISK WARNING: Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Protection Policies
At Mortgages Made Simple, your trusted mortgage broker in Daventry, Northamptonshire, we prioritise your security and peace of mind throughout your mortgage term. Ensuring you have the correct protection policies in place is a vital part of our service.
Exploring Your Options
We will guide you through a selection of insurance products, from life insurance and critical illness cover to income protection and buildings insurance. Our mortgage broker team in Daventry will ensure you understand the benefits of each option and how they meet your specific needs.
Personalised Advice
Our advisors provide individual recommendations based on your financial circumstances and requirements. We aim to offer solutions that provide full protection, safeguarding you and your family against unexpected events.
Confidence for the Future
The right protection isn’t just about meeting obligations — it’s about securing your family’s future. With the correct policies in place, you will have confidence and continuous support, no matter what challenges arise.
Choose Mortgages Made Simple in Daventry, Northamptonshire, for expert advice and assistance in selecting the insurance protections that give you and your family peace of mind throughout your mortgage process.
Life Only Insurance
Life Only Insurance is an important protection, offering financial stability for your loved ones in the event of your passing during the mortgage term. As a trusted mortgage broker in Daventry, Northamptonshire, Mortgages Made Simple is here to help you arrange the right policy for your needs.
Key Benefits:
Financial Security: The tax-free lump sum can be used to pay off your remaining mortgage, settle personal debts, and cover household expenses, ensuring your family’s financial needs are taken care of.
Peace of Mind: Knowing your family will be protected brings reassurance during uncertain times.
Expert Setup:
Our skilled team ensures your Life Only Insurance policy is properly set up and written into a trust, simplifying the claims process. This ensures your beneficiaries can access the payout quickly and without unnecessary delays.
Choosing the right Life Only Insurance policy is a crucial step in securing your family’s future. Let Mortgages Made Simple in Daventry, Northamptonshire help you find the ideal policy, providing peace of mind and financial security for you and your loved ones.
Critical Illness Cover
Critical Illness Cover offers a financial safety net, providing a lump sum payment if you’re diagnosed with a specified critical illness or disability. As a trusted mortgage broker in Daventry, Northamptonshire, Mortgages Made Simple is here to support you in securing the right cover for your peace of mind.
Understanding the Coverage:
Wide Range of Illnesses Covered: Policies can include major conditions such as cancer, heart attacks, strokes, and multiple sclerosis. With access to various providers, we help you choose from policies that may also cover less severe illnesses.
Flexible Payout Options: Some insurers offer smaller payouts for less severe illnesses, providing financial support even in less critical situations.
Extended Protection:
Children’s Coverage: Many policies offer coverage for your children, ensuring added security for your entire family under one plan.
Why It’s Important:
Facing the possibility of a critical illness is never easy, but planning for the unexpected is crucial. Ask yourself:
- How would you manage financially if illness prevented you from working?
- Could you continue paying your mortgage and monthly debts?
- Is your home at risk without the right protection?
At Mortgages Made Simple, we’re dedicated to helping you find Critical Illness Cover that not only meets lender requirements but also provides genuine protection for your family’s future. Let us help you secure a policy tailored to your needs, giving you confidence and peace of mind in Daventry, Northamptonshire.
Income Protection
Income Protection is an essential safeguard, offering financial assistance if you’re unable to work due to illness, injury, or redundancy. At Mortgages Made Simple in Daventry, Northamptonshire, we specialise in helping you select the right policy to secure your financial future.
Key Features of Income Protection:
- Monthly Income Replacement: Policies can cover up to 70% of your salary, providing a tax-free income to meet necessary expenses.
- Flexible Start Dates: Payments begin after a deferred period, usually between 3 and 6 months, depending on your circumstances.
- Customisable Coverage: Choose from short-term support for up to 24 months or long-term protection that lasts until you retire.
Tailored Support for Your Needs: When choosing an Income Protection policy, it’s important to consider:
- How Long You’ll Need Support: Decide whether the coverage should last until you recover, secure new employment, or retire.
- Your Financial Needs: Determine the income required to cover essential expenses like your mortgage and bills.
Why It Matters: Without Income Protection, unexpected events could make it difficult to manage your mortgage or household finances, potentially leading to serious consequences.
At Mortgages Made Simple, we aim to simplify the process. Our team in Daventry, Northamptonshire, will guide you through each step, ensuring your policy meets your needs and provides peace of mind for the future.
Meet Danielle
Managing Director
Mortgages Made Simple Northamptonshire
“Please find a few FAQ’s that may help you before you start your mortgage”
What services does Mortgages Made Simple offer?
At Mortgages Made Simple in Daventry, Northamptonshire, we offer a wide range of mortgage broker services tailored to meet the needs of various clients. Whether you’re a first-time buyer, looking to remortgage, investing in a buy-to-let property, or dealing with the challenges of self-employed mortgages, we have the expertise to assist you. Additionally, we provide professional guidance on protection policies, ensuring your financial future is secure at every stage.
How can I find out which mortgage is best suited for my situation?
In Daventry, Northamptonshire, Mortgages Made Simple focuses on understanding your financial situation and long-term objectives. By assessing your specific needs, we identify the most appropriate mortgage options from a wide range of trusted lenders. Our priority is to provide a personalised solution that offers flexibility and value, ensuring your mortgage aligns with your goals both now and in the future.
What should I know about applying for a mortgage as a self-employed person in Northampton?
Securing a mortgage as a self-employed individual can be challenging due to inconsistent income patterns. At Mortgages Made Simple, serving clients in Daventry, Northamptonshire, we offer personalised solutions to address the unique needs of self-employed individuals. Generally, you’ll need at least one year of business accounts and an SA302 form or tax year overview. We collaborate with lenders who are open to self-employed applicants, ensuring your application reflects your financial stability and enhances your chances of approval.
What protection policies should I consider when taking out a mortgage?
When taking out a mortgage, it’s essential to think about protection policies such as Life Insurance, Critical Illness Cover, and Income Protection. These offer financial security in the event of serious illness or death, ensuring your responsibilities are met and your family’s stability is safeguarded. At Mortgages Made Simple, serving Daventry, Northamptonshire, we will help you assess the advantages and costs of each option to select the one that best suits your needs.
How can Mortgages Made Simple assist me with complicated mortgage applications such as buy-to-let or remortgages?
Complicated mortgage applications require specialist attention, and Mortgages Made Simple is here to assist. For buy-to-let, we evaluate rental income and market trends, while for remortgaging, we provide advice on equity release and securing more favourable rates. Our expertise simplifies your application, and we collaborate with lenders to secure the best terms for you.
