Mortgage broker for Cambridge

We have no Cambridge branch. Count Ready is based in Chelmsford and works with Cambridge customers by phone and online. Agree the appointment format, document arrangements and update process at the outset. Face-to-face appointments may be possible in some circumstances; confirm the location and availability before travelling. The initial conversation can take place before you have chosen a home.

An initial discussion is free. We usually charge £595 on mortgage offer and may receive lender commission. Our Terms of Business list a £199 processing fee where applicable. For standard mortgage applications by visa holders living in the UK, the £595 offer fee is the only broker fee; no separate processing fee applies. International and specialist cases can have different charges. Confirm the written fee agreement, payment stages and any costs if the application stops before chargeable work begins.

Yes. Give the job start date, employment terms, pay and any probation period. Explain whether the role is permanent or fixed term, any gap between jobs and whether more than one applicant will earn an income. A signed contract, payslips or further evidence may be requested depending on the assessment. A new role in research, healthcare, education or another sector does not automatically establish mortgage eligibility.

Tell us the contract dates, renewal history, payment arrangements and any expected change. For a visa, explain your current UK residence, permission type and expiry, work circumstances and deposit source. Lenders assess the full case and can use different evidence and criteria. A UK-resident visa enquiry and borrowing while living outside the UK need different discussions. We will agree the information required and a secure way to provide it.

Ask about the remaining lease term, service charge, ground rent where applicable, block insurance and planned major works. Find out whether the lease restricts occupation, letting or alterations. Tell the conveyancer and mortgage adviser about the construction and any known building issues. A purchase price or quoted mortgage payment does not capture all the costs of owning the flat.

Explain the reservation deadline, expected completion date, deposit source and any developer incentives. Ask about warranty documents, construction, estate charges and the tenure. A freehold home can still have estate costs. Discuss what happens if building dates change and whether the lender needs further checks or an updated offer. An agreement in principle is not a final mortgage offer or a promise that the chosen property will be accepted.

Greater Cambridge Shared Planning provides conservation maps, planning records and an address-based restrictions map for Cambridge City and South Cambridgeshire. Check the property itself, past alterations and any intended work with the conveyancer and surveyor. A familiar neighbourhood name does not establish whether one building is within a designated area or which controls apply. Legal and condition enquiries remain separate from the lender’s valuation.

Describe the present and intended use, number of occupants, households and shared facilities. Check Cambridge City Council’s current HMO licensing information and the property’s licence position. Planning and building-control enquiries are separate and depend on the address and proposal. If the property is outside the city boundary, confirm the responsible authority. Neither a mortgage offer nor an existing tenancy proves that the required permissions and licences are in place.

Help to Buy: Equity Loan in England is closed to new applications. If you already have an equity loan, explain it when considering a remortgage, sale or repayment and follow the current Homes England process. Shared ownership is a separate route with its own eligibility and provider terms. Include rent on the remaining share and property charges alongside the mortgage when assessing the budget.

Have the balance, rate, monthly payment, remaining term, deal end date and early repayment charges available. Explain the purpose of any additional borrowing and changes to income, applicants or property use. Compare eligible product-transfer and remortgage options over the same period, including relevant fees. Extending the term can lower the monthly payment and increase total interest. Securing other debts against the home changes the risks as well as the repayment pattern.