Stuart Brown Mortgage Services
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Stuart Brown Mortgage Services
Purchase Purchasing a property can be a stressful process as it is a big commitment, so as leading mortgage advisors we are here to help you with the application process. Remortgaging Expert advice and guidance on remortgaging. As leading mortgage advisors, we can help you through the stressful process of your applications. First Time Buyers We provide complete guidance for first-time buyers so you can be aware of all the different options available for you with your new mortgage.

Buy To let & Commercial We have a wealth of experience in arranging buy to let mortgages, so we can take you through everything that you need to consider in the process. Can I get approved for a mortgage? Getting approved for a mortgage can be a stressful process as it is one of the most important steps in the home buying or remortgaging procedure.

Here at Stuart Brown we are available to help you through the process of gaining approval for a mortgage and can offer you expert advice before you submit your application.
Services
Stuart & Sharon set up Stuart Brown Mortgage Services in 2003 following on from working for a number of other financial organisations in the 80's, 90's and noughties.
We pride ourselves in providing the best advice, excellent customer service and try our utmost to actively look out for our customers throughout the home buying process.
We cover things we don't believe most advisers do and give a personal service along the way.
We figure that the best way to continue to do good business is to look after those customers we serve and continue to get the recommendations and referrals they provide, as a result of them being happy to provide them.
At Stuart Brown Mortgage Services, as your local mortgage financial advisors in Leighton Buzzard, we can provide you with expert mortgage broker advice.
A mortgage is one of the biggest commitments of your life, it is important to take enough time to consider all the options available before committing to an application.
This is where advice from an expert is essential.
A good mortgage broker will cover the costs involved in buying (solicitors, stamp duty, search fees, land registry, lender arrangement and valuation fees to name a few).
There are a number of affordable housing schemes available to help you buy a home.
This includes Help to Buy, Right to Buy and shared ownership schemes.
Here at Stuart Brown Mortgage Services, we are available to provide advice and guidance on affordable homes schemes.
With a Help to Buy: Equity Loan the Government (via Homes and Communities Agency HCA) lends you up to 20% of the cost of your newly built home, so you'll only need a 5% cash deposit and a 75% mortgage to make up the rest.
The maximum full purchase price is 600,000.
When it comes to mortgage repayment methods, there are two options of capital and interest or interest only.
However, in some situations, lenders will allow you to combine the two methods.
A capital and interest mortgage works the same way as most types of loan.
You make regular monthly repayments to the lender; the repayment is made up of capital (repaying the amount you initially borrowed) and interest.
Provided you keep up the correct payments, at the end of your mortgage term you will have repaid the loan in full.
Some mortgages allow you to vary payments for periods of time with flexible repayment mortgages.
You could also make overpayments to help pay your mortgage off early.
You may have the facility to take payment holidays or borrow money back to help you get through an expensive period.
Some schemes allow you to 'offset' savings against the mortgage to reduce the amount of interest payable, others incorporate current accounts, savings accounts, and credit cards.
Some of these schemes can be very complicated and it can be hard to keep track of the overall payment schedule.
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