Mortgage Brokers In Carlisle & Dumfries

Name: Richard Jennings Mortgage Services
Address: Carlisle, CA3 0LJ
Telephone: 01228 406443

Are you looking to get the most suitable mortgage rate for your unique circumstances from a mortgage broker near you?

Mortgage Advisors in Carlisle & Dumfries

One of our primary responsibilities as your mortgage broker is to conduct a thorough analysis of your financial position. This includes evaluating your income, expenses, credit history, and any other financial obligations to assess your borrowing capacity.

Following this, we will help you understand the various mortgage options available to you. This involves explaining the terms and conditions of different mortgage and homeowner loans, their interest rates, and any associated fees. We will provide you with a recommendation for a mortgage product that most suits your circumstances.

First Time Buyers

Our brokerage firm is dedicated to helping clients secure their first home with ease. We offer comprehensive guidance throughout the entire mortgage process, whether you are based in Carlisle, Dumfries, or anywhere else in the country. Our award-winning service and 100% 5-star client record are a testament to our commitment to providing exceptional service. If you are seeking advice on a mortgage from a trusted broker, we are here to help. Contact us today to learn more about how we can assist you in securing your first mortgage.

Real Estate Contract with Pen and Calculator

Remortgages

If you're looking to switch your current mortgage to a new lender, either to save money or to release equity, then you're likely considering a remortgage. Our team of experienced mortgage brokers, who specialise in the Carlisle and Dumfries areas, can assist you in finding the most suitable remortgage option for your specific requirements. Don't hesitate to get in touch with us today to learn more about how we can help you

Home Movers

If you're in the market for a new home and need help securing a mortgage, we're here to assist you every step of the way. Our team of experts can provide a comprehensive review of your existing lender, including advising on any potential charges for breaking your current deal. We'll also search the whole of the market to ensure that you get the right deal for your mortgage. With our help, you can rest assured that the process of securing your mortgage will be as stress-free as possible.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Our Story

Richard Jennings, Owner of Richard Jennings Mortgage Services

Richard Jennings - CeMAP

Founder & Managing Director

Richard Jennings Mortgage Services is a highly experienced and reputable mortgage broker based in Carlisle and Dumfries, with a proven track record of success in the industry spanning over two decades. Our founding mission was to provide our clients with a comprehensive range of options that are tailored to their specific needs, rather than being limited by what one bank can offer. We take pride in our achievements and have been recognised for our excellence with multiple awards. Additionally, we are proud partners of Cash For Kids. You can confidently rely on our expertise to guide you towards the most suitable mortgage solution that meets your unique requirements.

Award Winning Mortgage Broker Carlisle & Dumfries

We are extremely proud of our continued success in winning awards for both our advice and customer excellence, you can view all our awards on our awards and press page

Our Press Coverage

We are often featured in both local and national press, you can read all our press coverage and articles on our awards and press page

Client Testimonials

The Word Is Out!

Since our founding client satisfaction has always remained a top priority through all the work that we do. All my team and I's hard work and dedication pays off when we get to see how satisfied our clients are with our services. Don’t take our word for it though, see for yourself what satisfied clients have to say about working with us.

Mr & Mrs Waters

My husband and i had a dream to move to scotland, we achieved this during a pandemic with Richard's help, our first house buying experience in Scotland was vastly different from England but Richard helped every step and was on the end of the phone whenever we needed him. Two years have past and we didnt hesitate to contact Richard straight away. Months prior we chatted with him about the hike in mortgages but we were reassured Richard knew what was happening in the property and mortgage market. This time round our mortgage application was very quick from submit to offer, an excellent deal offered to us, this is down to Richards knowledge and experience. He asks the questions an underwriter will think of and ask so it doesn't delay the process. Fabulous customer service is provided along the way. We fully recommend Richard Jennings Mortgage Services.

Mr & Mrs Jameson

We can’t recommend Richard enough! He has worked so hard to find us a great mortage on our dream home when we didn’t think it was possible. He’s been there to answer all my silly questions, which he kindly reassured me weren’t silly. He talked us through it all step by step so we knew exactly what was going on and what we needed to do. He even took my calls whilst he was away on holiday. He has made this whole process stress free for us. It is very clear to see that not only is Richard great at his job, he loves his job and that makes a massive difference to the level of care you get. I would recommend him in a heartbeat and I look forward to him doing our mortgage renewal in a few years time. Thank you again for all your help!

Mr Sullivan

I would 100% recommend the services of Richard. As a first time buyer the process seemed quite daunting but Richard has guided me step-by-step through the process using his knowledge and experience. He is extremely dedicated sometimes responding out of hours to questions I had. He has helped find the best mortgage rate and package for my circumstances, a good solicitor and land surveyor. He continues to represent and support me as I move ever closer to exchange and completion. Thank you again Richard for your help and support.

Advantages of Using Mortgage Brokers

Independent Mortgage Advice in Carlisle & Dumfries

While considering the pros and cons of banks and brokers, it becomes evident that mortgage brokers offer several unique advantages. Primarily, we provide a broad range of products since they have access to 90+ mortgage lenders and thousands of mortgage rates. This allows us to tailor our advice and services to your specific needs and financial situations, unlike banks that can only offer their own products.

Furthermore, as mortgage brokers we can potentially save clients both time and money. We handle the legwork involved in securing a mortgage, from seeking out the right deals for our clients own unique circumstances to liaising with lenders, solicitors, and surveyors. This not only simplifies the process for you but also potentially speeds it up.

Another significant advantage is that we often have access to exclusive deals not available on the open market. This ability to source unique options can potentially result in substantial savings over the term of the loan.

Lastly, as mortgage brokers we pride ourselves on our personalised service. We work directly with clients, offering advice and guidance throughout the process, and our goal is to find the right mortgage product at the most competitive rate.

This level of commitment to individual needs often translates into high customer satisfaction as is reflected in our reviews across multiple platforms and in the awards we win.