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Mortgage Broker Bedford
Comprehensive mortgages services under one roof
Available 7 Days a week

Mortgage Broker Servcing Bedfordshire

Welcome to Mortgages Made Simple, your trusted mortgage broker in Bedford! We provide expert mortgage advice and personalised financial services to make the UK property market easier to navigate.

Whether you’re buying your first home, looking for the best mortgage deals to move house, or thinking about equity release, our knowledgeable mortgage brokers are here to support you every step of the way.

Simplify your property journey with help from Mortgages Made Simple. We are here to help you reach your property goals with clarity and confidence.

Experience matters!

Our team of mortgage specialists has over 20 years of experience providing personalised advice. With access to a wide range of mortgage deals, we carefully review hundreds of offers to find the ones that best suit your needs and financial situation.

To make your mortgage process smooth and stress-free, we handle all communication with solicitors, estate agents, and other third parties. This allows you to enjoy the excitement of your new home without dealing with administrative tasks.

As appointed representatives of PRIMIS Network, we are regulated by the Financial Conduct Authority (FCA). This ensures that our practices and advice are compliant and transparent. Trust us to guide you through your mortgage process with expertise and dedication.

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Bedford Mortgage Broker

At Mortgages Made Simple, we serve a wide range of clients: first-time buyers, homeowners looking to move, those interested in remortgaging, and buy-to-let investors. With connections to over 60 lenders, we can find a mortgage solution that matches your needs and financial situation.

By choosing us, you benefit from our thorough comparison approach. We assess various mortgage options to secure not only a competitive rate but also a structure that aligns with your long-term financial goals. Our expert advisors in Bedford provide continuous support from the initial consultation to the final approval, simplifying the process with clear advice at each step.

Be aware that failing to keep up with mortgage repayments can result in your home being repossessed. We focus on responsible borrowing by explaining all aspects of your mortgage agreement and ensuring you are prepared to meet repayment obligations.

Your home may be repossessed if you do not keep up repayments on your mortgage.

First Time Buyer Mortgages

Buying your first home is a significant milestone, filled with excitement and dreams. At Mortgages Made Simple, we’re here to make these dreams come true, ensuring the experience remains joyful and memorable.

After saving for a deposit, many first-time buyers wonder about the next steps. Who should you talk to? Who can you trust? In Bedford, Mortgages Made Simple offers trustworthy and professional advice. Our advisors provide expert guidance and personalised advice throughout your home-buying process.

We understand the unique challenges faced by first-time buyers. We offer 90% and 95% mortgages tailored specifically for you. With access to a wide range of lenders, we’ll help you determine how much you can borrow and secure the best possible deal.

If your dream is to own your first home, the next move is clear. Contact Mortgages Made Simple to find out how much you can borrow and explore your mortgage options. Let us help you take confident steps towards homeownership.

Re-Mortgaging Solutions

Remortgaging Benefits

Remortgaging can be a smart financial choice. Whether your fixed rate is ending, you want to consolidate debts, or you’re overpaying on your lender’s standard variable rate, Mortgages Made Simple can help you find cost-effective remortgaging solutions.

Why Remortgage?

Here are key reasons to consider remortgaging:

  • Secure a Lower Interest Rate: Finding a better interest rate can reduce your monthly payments and save you money over the life of your mortgage.
  • Reduce Your Mortgage Term: Remortgaging may enable you to shorten your mortgage term, helping you pay off your home sooner and save on interest.
  • End of Current Deal: If your current mortgage deal is expiring, remortgaging can prevent you from switching to a higher standard variable rate.
  • Debt Consolidation: Combine your other debts into one manageable payment, potentially at a lower interest rate.
  • Home Improvements: Release equity from your home to fund major improvements, which can increase your property’s value over time.
  • Release Cash: Free up cash tied in your property for reinvestment or other significant expenses.

RISK WARNING: ‘Think carefully before securing other debts against your home.

Consolidating debt may reduce your outgoings now, but you may end up
paying more overall.

Your home may be repossessed if you do not keep up repayments on your Mortgage’

Self Employed Mortgages

Self-Employed Mortgages Made Simple

Navigating the mortgage process can be particularly challenging for self-employed individuals. If you’re a business owner struggling to secure a competitive mortgage due to having only one year of business accounts, or if the complexity of self-employed mortgages feels overwhelming, Mortgages Made Simple is here to help.

Expertise in Self-Employed Mortgages

Our daily interactions with a wide array of lenders give us deep knowledge of the policies and criteria specific to self-employment. Whether you need lenders who consider just one year’s accounts, look at profit before tax, or evaluate salary and dividends, we know who to approach to find the best match for you.

Stress-Free Process

We save you time and reduce stress by contacting lender after lender on your behalf, thoroughly assessing your financial situation. Our team is committed to delivering solutions tailored to your unique needs as a self-employed individual.

Delegate the Stress

Leave the burden to us and relax knowing Mortgages Made Simple will handle everything, from initial enquiries to the final agreement. Our aim is to streamline your experience, making the process straightforward and hassle-free.

At Mortgages Made Simple, we’re dedicated to helping self-employed clients secure mortgages that fit your financial status and aspirations. Let us handle the complexities so you can focus on running your business.

Buy to Let Mortgages

Buy to Let Mortgage Guidance

Choosing the right mortgage is vital whether you’re new to property investment or an experienced landlord. Mortgages Made Simple specialises in Buy to Let mortgages, offering advice tailored to your investment goals.

Understanding Buy to Let Mortgages

Buy to Let mortgages differ from standard residential ones. Typically, they require a higher deposit, often 20% to 25% of the property’s value or purchase price. The main criterion for approval is potential rental income, which usually needs to be between 120% to 145% of the mortgage interest payable, ensuring it covers the mortgage payments. Additionally, some lenders require a minimum personal income before considering your application.

For landlords with four or more properties, you’re often categorised as a Professional Landlord. This can limit the number of willing lenders due to the increased risk associated with larger portfolios.

Expert Guidance for Buy to Let Success

Navigating Buy to Let mortgages can be complex. Our advisors at Mortgages Made Simple understand the specific requirements and nuances. We help you analyse investment opportunities and simplify the mortgage process, ensuring informed decisions that align with your financial plans.

Avoid the stress of securing a Buy to Let mortgage alone. Contact us today to discuss your options and move forward confidently in your property investment.

RISK WARNING – Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority’

Protection Policies

Mortgage Protection in Bedford

At Mortgages Made Simple, we understand the importance of security and peace of mind for you and your family during your mortgage term. We are dedicated to ensuring you have the right protection policies in place.

Understanding Your Options

We guide you through a variety of insurance products, explaining the benefits of each option and how they fit your needs. From life insurance and critical illness cover to income protection and buildings insurance, we ensure you’re well-informed to make the best decisions.

Tailored Advice

Our advisors provide personalised recommendations based on your specific needs and financial situation. We aim to offer solutions that provide comprehensive protection, safeguarding you and your loved ones against unforeseen events during your mortgage term.

Security and Confidence

Having the right protection policies is about more than just fulfilling a requirement. It’s about securing your family’s future and ensuring continuous support, no matter what life throws your way.

Choose Mortgages Made Simple for expert guidance and support in selecting the right insurance protections, granting you and your family peace of mind during your mortgage process.

Life Only Insurance

Life Only Insurance provides financial security for your beneficiaries if you pass away during your mortgage term. This policy offers a tax-free lump sum to your family, ensuring they can manage financial obligations without your support.

Key Benefits

  • Financial Security: The payout can settle your mortgage balance, cover personal debts, and pay household bills, giving your family vital financial relief.
  • Peace of Mind: Knowing your family will be financially protected offers comfort during uncertain times.

Expert Setup

At Mortgages Made Simple, we ensure your policy is correctly established and written into a trust. This simplifies the claims process, making it easier for your beneficiaries to access benefits without delays.

Choosing the right Life Only Insurance policy can make a significant difference for your family’s future, offering them security when they need it most. Let us help you arrange the protection that fits your needs and provides confidence in your loved ones’ well-being.

Critical Illness Cover

Critical Illness Cover

Critical Illness Cover provides a financial safety net by paying out a lump sum if you’re diagnosed with a specified critical illness or disability. This insurance is vital for maintaining your financial obligations during challenging times, ensuring your family’s stability and home security.

Understanding the Coverage

  • Variety of Illnesses Covered: Not all Critical Illness Cover policies are the same. Basic policies usually cover severe conditions like major cancers, strokes, heart attacks, and multiple sclerosis. We offer access to providers who cover additional conditions, including less advanced cancers.
  • Flexible Payout Options: Some insurers offer smaller lump-sum payouts for less severe illnesses, typically £25,000 or 50% of the sum assured. This flexibility ensures financial support even in less drastic circumstances.

Extended Protection

  • Children’s Coverage: Our policies can extend to cover your children, providing peace of mind for your entire family under one plan.

Why It’s Vital

Facing a potential critical illness or disability can be daunting. It’s important to discuss these possibilities to ensure you’re protected throughout your mortgage term. Consider these questions:

  • How would you or your family cope financially if you couldn’t work due to illness?
  • Could you continue to meet your mortgage and essential monthly payments?
  • Is there a risk of losing your home?

At Mortgages Made Simple, we aim to alleviate these worries. We are dedicated to ensuring you have the right Critical Illness Cover in place to protect your family’s future and give you peace of mind. Let us help you secure a policy that meets your needs and offers comprehensive protection.

Income Protection

Income Protection Insurance supports you financially if you’re unable to work due to illness, injury, or involuntary redundancy. This policy provides a steady, tax-free income, ensuring you can still meet your financial commitments.

Key Features

  • Percentage of Salary Covered: The policy typically pays up to 70% of your salary each month, helping you maintain financial stability during tough times.
  • Deferred Period: Benefits start after a specified period of inability to work, typically ranging from 3 to 6 months.
  • Duration of Coverage: Coverage can be customised to your needs, from short-term solutions of 12 to 24 months to long-term protection that lasts until retirement.

Making the Right Choice

  • Duration of Benefits: Decide how long you need the policy to support you, whether until recovery, retirement, or somewhere in between.
  • Level of Cover: Determine the percentage of your income you need to meet obligations during periods of unemployment due to health issues.

Risks of Inadequate Coverage

Without proper income protection, meeting ongoing financial obligations like your mortgage could become challenging, potentially risking the loss of your home.

At Mortgages Made Simple in Bedford, we understand the importance of a fitting Income Protection policy. Our experts will guide you through the options, ensuring you have the right safeguards to protect your financial future and provide peace of mind.

Meet Danielle
Managing Director

Mortgages Made Simple

“Please find a few FAQ’s that may help you before you start your mortgage”

What services does Mortgages Made Simple Bedford offer?

At Mortgages Made Simple in Bedford, we offer a variety of mortgage services tailored to meet the needs of different clients. Our services include:

Mortgage Solutions

  • First-Time Home Buyers: We help first-time buyers navigate their mortgage options to find the best deals.
  • Remortgaging Solutions: We offer cost-effective remortgaging solutions to save you money and optimise your financial commitments.
  • Buy-to-Let Mortgages: Tailored mortgage solutions for property investors looking to expand their portfolios.
  • Self-Employed Mortgages: Specialist services for self-employed individuals to access suitable mortgage deals.

Expert Advice on Protection Policies

  • Income Protection: Recommendations on income protection policies to ensure your financial future is secure.

At Mortgages Made Simple in Bedford, our expert advisors are dedicated to guiding you through each step, ensuring you make informed decisions for your financial well-being.

How can I find out which mortgage is best suited for my situation?

Our team at Mortgages Made Simple offers personalised consultations to evaluate your financial situation, preferences, and long-term goals. Here’s how we help:

Tailored Mortgage Matching

  • Financial Assessment: We review your financial circumstances to understand your needs better.
  • Wide Lender Access: Using information from our assessment, we match you with the best mortgage options from our panel of over 60 lenders.
  • Competitive Rates: We focus on finding a mortgage that fits your requirements while offering competitive rates and terms.

By tailoring our approach to your unique situation, we aim to find the perfect mortgage solution for you.

What should I know about applying for a mortgage as a self-employed person in Bedford?

Applying for a mortgage as a self-employed individual can be challenging due to varying income patterns. At Mortgages Made Simple, we specialise in assisting self-employed clients by understanding their unique financial situations.

Required Documentation

To apply, you’ll need:

  • Business Accounts: At least one year’s worth.
  • SA302 Form or Tax Year Overview: Proof of your earnings.

Expert Assistance

We work with lenders who are open to self-employed applicants. Our expertise helps present your application clearly to demonstrate financial stability.

We aim to simplify the mortgage process for self-employed individuals, ensuring you have the best chance of securing a suitable mortgage.

What protection policies should I consider when taking out a mortgage?

When taking out a mortgage, it’s crucial to consider protection policies like Life Insurance, Critical Illness Cover, and Income Protection.

Importance of Protection Policies

  • Life Insurance: Offers financial security for your family in the event of your death, covering the mortgage and other expenses.
  • Critical Illness Cover: Ensures your mortgage payments are covered if you’re diagnosed with a severe illness.
  • Income Protection: Provides a steady income if you cannot work due to illness or injury.

Personalised Guidance

We help you understand the benefits and costs of each option. Our guidance ensures you select the right policies for your situation, safeguarding your financial future and your family’s stability.

How can Mortgages Made Simple assist me with complicated mortgage applications such as buy-to-let or remortgages?

Complicated mortgage applications need detailed knowledge and expert handling, areas where Mortgages Made Simple excels.

Buy-to-Let Mortgages

  • Rental Income Assessment: We assess potential rental income against your mortgage obligations.
  • Market Trends: We provide advice on current market trends to help you make informed decisions.

Strategic Remortgaging

  • Equity for Renovations: We offer insights on drawing equity for home improvements.
  • Better Rates: We advise on securing better mortgage rates and the best timing for remortgaging.

Streamlined Application Process

Our experience ensures your application is streamlined. We negotiate with lenders on your behalf to secure the most favourable terms, making the process as smooth as possible.

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Mortgages Made Simple
34a Harborough Road North, Northampton, NN2 8LU

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+44 (0) 7806 794 637
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