With you every step of the way

Comprehensive mortgages services under one roof

Available 7 Days a week

We are committed to ensure your experience is stress free and provide a high-quality service you can trust.

We make sure we are always there for you. We offer a 24/7 mortgage service to make sure we support you every step of the way.

Contacting us is easy. Our contact points can be face-to-face, home visits, email, telephone for via video call. We make sure that we take away any stress and help you reach the right decision.

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Experience matters!

Our mortgage specialists have been providing tailored, personal advice for over 20 years. We are able to assess hundreds of potential mortgage offers before recommending the best options for you.

We will happily deal with matters such as handling solicitors or estate agents on your behalf.

We are appointed representative of PRIMIS Network Regulated by the Financial Conduct Authority*

Mortgages Made Simple

Knowledgeable Professional Friendly

Mortgages

Our mortgage services are available to first time buyers, home movers, remortgaging and buy-to-let investor. We are linked with over 60 lenders on our panel making it easier to find a mortgage that fits all your personal requirements.

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

First Time Buyers

Buying your first home is supposed to be one of the most exciting and memorable times of your life… at Mortgages Made Simple Northampton our goal is to make sure your dream becomes a reality.

More than likely, you will have spent the last few years working extremely hard to save enough money to contribute towards the deposit of your first home.

But what do you do now?

Who do you speak to?

Who can you trust?

At Mortgages Made Simple (Northampton), we make sure you are in safe hands. With professional advice and guidance, we will take care of you every step of the way. Mortgages Made Simple have access to 90% and 95% mortgages specifically for first time buyers, with specialist brokers to advise you of the most suitable mortgage for your needs.

If you are a first-time buyer dreaming of that first home, your next step is to find out how much you can borrow, and with access to A NUMBER OF DIFFERENT lenders, Mortgages Made Simple is sure to find you your perfect match.

Re-Mortgage

There are multiple reasons as to why our customers ask for our help when it comes to re-mortgaging. It may simply be that their Fixed Rate is due to expire with their existing Lender, they may have a large amount of debt they wish to consolidate into their mortgage, or they may have never reviewed their mortgage and are needlessly sitting on their Lenders Standard Variable Rate. Whatever the reason, we advise of the most cost effective and beneficial ways to re-mortgage. We have helped our clients take years off their mortgage term, whilst still saving money each month.

Reasons to consider re-mortgaging:

To secure a lower interest rate
To reduce your overall mortgage term
Your current deal is coming to an end
To consolidate personal debt
Home Improvements
To release cash tied-up in your property to reinvest in rental properties

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

Are you a self-employed business owner and struggling to find a bank who will offer you a competitive mortgage deal? Do you only have one year’s business accounts which is limiting your options? Are you simply finding the self-employed mortgage process difficult?

As we work with a large number of lenders day in, day out, we know the policies and criteria of lenders like the back of our hand. We know which lenders will look at 1 Years Accounts; Profit Before Tax; Salary and Dividends or a Share of the Net Profit.

We will save you time and stress as we go through a systematic process of speaking to Lender after Lender, so we are able to assess your personal requirements to come back to you with our expert opinion.

Pass the stress over to us and we’ll take care of the rest

Buy to Let Mortgages

Are you looking to become a property investor or are you a portfolio landlord? Do you need advice on the right kind of mortgage to suit your individual needs?

It is important to know that Buy to Let mortgages are a little different to your traditional residential home-owner mortgages. Firstly, Lenders will require you to have a slightly higher deposit, typically around 20% to 25% of the property value or purchase price (whichever is lower). The majority of Lenders will assess Buy to Let mortgages differently to the standard residential mortgages. They will assess the amount of income the property will generate and typically use this to calculate the maximum mortgage available. Generally, mortgage Lenders will require the rental income to be 120% to 145% of the mortgage interest payable on the specific loan amount required. Some Lenders will also require you to earn a minimum personal income before they will even entertain a Buy To Let mortgage application.

If you have multiple mortgaged properties (4 and above), Lenders will class you as a Professional Landlord – and without the correct advice and knowledge, this could limit the number of Lenders you can approach.

To take the stress away from the Buy to Let mortgage minefield, give us a call today to discuss your borrowing options.

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

Protection Policies

At Mortgages Made Simple Northampton Limited, we will ensure you have the correct protection policies in place to safeguard you and your family during the term of your mortgage. We will discuss the importance of the wide variety of protection policies, how these will benefit you, and advise you accordingly.

There are a large number of insurance products available which can provide you with peace of mind during your mortgage life.

Life Only Insurance

This type of policy is designed to pay out a tax-free, lump sum to your beneficiaries if you die during the term of your mortgage. This provides yourself, and your family, with peace of mind knowing they are taken care for when you are no longer around to support them. This money can be used to clear an outstanding mortgage balance, personal debts and bills.

We will ensure the policy is set up correctly and written into Trust to make any claim that little bit easier.

Critical Illness Cover

This type of policy is designed to pay a lump sum on diagnosis of a critical illness or specific disability. Not all policies cover the same critical illnesses/disabilities, so it is important the correct cover is put in place for your specific needs.

Not all providers offer the same type of Critical Illness Cover, with some covering just the basic illness, stroke, advanced cancers, heart attack and multiple sclerosis.

We have access to a wide range of providers who offer cover for less advanced cancers and a large number is illnesses. There are also providers who will make a smaller lump sum pay-out, typically £25,000 or 50% of the sum assured (whichever is lower) if less serious illnesses are diagnosed.

We can also ensure your children are covered as part of your policy.

We never like to think about potential illness or disease, but it is important to ensure the uncomfortable conversations as had to protect you during the term of your borrowing.

How would you, or your family, cope should the worst happen?

Could you maintain your mortgage and essential monthly debt payments if you are unable to work?

Could you face losing your home?

This is something we don’t want you to worry about, we want you to have peace of mind you have the correct cover in place to protect you and your family in the future.

Income Protection

This type of policy is designed to pay you a percentage of your salary on a monthly basis, up to as much as 70%.

Should you find yourself unable to work due to illness, injury or involuntary redundancy, this will ensure you are still able to meet your financial obligations.

You will receive a monthly, tax free income once you have been unable to work for a certain period of time – typically 3 to 6 months. The policy can be designed to cover you for a limited amount of time, from 12 to 24 months or until your pension is due to start. The payments will stop when you are able to work again, retire or when the policy finishes.

There are many variables when deciding on the correct policy for you needs, Mortgages Made Simple Northampton will help you make the right decision.

Not having the correct protection policies in place, could result in the loss of your home for yourself and your family.

Meet Danielle

Managing Director

Mortgages Made Simple Northampton

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

What Can We Expect in 2023?

The recent actions from lenders indicate a general feeling of positivity about the future of the housing market as we move into 2023, with the expectation of seeing similar levels of transactions as the past year – which, perhaps to the surprise of some, saw the highest number of completions in 16 years!

What Insurance Do I Need for a Mortgage?

You need buildings insurance on your property to take out a mortgage. You normally arrange this during the conveyancing part of the mortgage process, making sure it will be in place by exchange. We also recommend that you insure the contents within your home and arrange protection for you and your family.

What Does Variable Mean?

A variable rate “varies”. It moves up and down, depending on the Bank of England base rate or market rates.

“Variable rate” is an umbrella term for trackers, lifetime trackers, discount rates and SVRs (standard variable rates). You wouldn’t actually take out a product called a “variable rate mortgage”, but you might take out a tracker or discount mortgage which are types of variable rate mortgage.

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