FREE MORTGAGE ADVISOR IN STIRLING AND ALLOA

Are you looking for a free mortgage advisor in Stirling, Alloa or the surrounding areas?

We believe that everyone should benefit from receiving free mortgage advice. At Mortgage Simplicity, we promise from the minute you get in touch to the day you get the keys to your new home, you won’t pay us a penny! Your free mortgage advisor will guide you on how much you can borrow and what the repayments will be each month. We will explain the differences of each product, to tailor the right mortgage solution for you.  Also, your dedicated free mortgage advisor will do all of the paperwork, liaise with the lenders and make the process as simple as possible, so you can put your feet up and relax.

No fees, no hard sell, no obligation, just good old free mortgage advice!

An image of a couple receiving advice to represent free mortgage advisor in Stirling

Let us search for the mortgage that is right for you

Let us compare life insurance deals so you don't have to

We make the buy to let mortgages process hassle free

FREE MORTGAGE ADVICE IN CENTRAL SCOTLAND

Mortgage Simplicity are a free mortgage advisors based in Alloa. We offer free mortgage advice face to face, online or over the phone 7 days a week.

We are part of Mortgage Advice Bureau, an award-winning network with 150 industry awards so far. This provides us with access to over 90 lenders and over 12,000 mortgages. We have access to exclusive mortgage deals that you won’t find anywhere else. Our team can arrange first time buyer mortgages, buy to let, help to buy, guarantor as well as shared ownership deals. We offer face to face meetings at our office in Alloa, or we can visit you in Central Scotland. Or simply pick up the phone and call us 7 days a week.

An image of a couple receiving advice to represent free mortgage advisor in Alloa

WHAT OUR CUSTOMERS SAY

NO HIDDEN FEES

As we only work for you, we have no conflict of interest in finding you the most suitable deal. When you use an estate agent broker, they will find out how much you can borrow and potentially this could lead to you paying more to buy the house they are selling. They will also try and charge you extortionate fees for this service. You could end up paying more, a lot more than you bargained for. We won’t mislead you by saying that the first consultation is free, then try to charge you exorbitant fees. Therefore you can rest assured you won’t pay a penny for our services and we will always be on your side! 

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7 months ago
Mortgage Simplicity
More Green Mortgage Products For UK Home Buyers

Many prospective buyers will be keen to see a wider range of mortgage products on offer in 2021. A wider range providing greater financial support could be the difference between a household buying a home or not.

There are also calls for major lenders to be more proactive when it comes to energy-efficient products that promote the reduction of carbon emissions.

NatWest, Lloyds, Barclays and HSBC are some of the names which have been criticised for a lack of action in this area.

“UK banks have talked the talk on climate, but their actions have fallen short. The government wants disclosure to be mandatory across the whole economy by 2025 anyway, [so] banks should have done this already” said Simon Youel, who is the head of policy and advocacy at Positive Money. This is an organisation which promotes a fairer financial system.

Barclays chairman Nigel Higgins spoke at the Financial Times Global Banking Summit, saying: “If you wind the clock back, we along with lots of other people . . . have been slower than, with hindsight, we should have been to address the climate challenge. Nobody can be happy looking at where we are today and be pleased with the amount of progress we’ve made since this topic first moved centre stage.”

NatWest have been proactive
Near the end of 2020, NatWest took a lead on these matters and introduced the first “green mortgage” in the United Kingdom. Anyone buying a more energy efficient home is in line to enjoy a more appealing rate of interest.

Lloyd Cochrane, NatWest head of mortgages, said: “The green mortgage for new customers was the first priority because it was a relatively simple change, but we’re working on how we can help our 1.2m existing customers.”

Big names can do more
Lloyds have promised they will unveil more detailed emissions data and targets in February of 2021. The company has been actively involved with the renewable energy sector, but they haven’t been as active on green matters when it comes to retail banking. So far, Lloyds have offered online tools that helps people and developers make informed decisions regarding green homes, but they aren’t offering products just yet.

This might change, but it could be smaller organisations take the opportunity to become market leaders when it comes to energy efficiency.

Oxbury Bank, a newly licenced entity, are leading the way. In January 2021, they aim to open the very first “carbon offset savings account”. With this account, money that would traditionally be earned in interest will be used to cover the cost of tree planting projects.

Kevin Hollinrake, a Conservative MP and chair of the all-party parliamentary group on fair business banking, has called on banks to provide customers with more information with respect to the impact of their lending.

The MP has also called for banks to reassess the ways they assess risk. He said; “Over the past year the banking sector has made progress in acknowledging its role in climate change and making high level commitments . . . But this has only taken us to the start line. The hard work now begins, and we cannot underestimate the scale of the challenge ahead.”

Anyone looking to arrange informed and up to date guidance regarding a mortgage should speak with an experienced professional.

https://mortgagesimplicity.co.uk/

More Green Mortgage Products For UK Home Buyers

Many prospective buyers will be keen to see a wider range of mortgage products on offer in 2021. A wider range providing greater financial support could be the difference between a household buying a home or not.

There are also calls for major lenders to be more proactive when it comes to energy-efficient products that promote the reduction of carbon emissions.

NatWest, Lloyds, Barclays and HSBC are some of the names which have been criticised for a lack of action in this area.

“UK banks have talked the talk on climate, but their actions have fallen short. The government wants disclosure to be mandatory across the whole economy by 2025 anyway, [so] banks should have done this already” said Simon Youel, who is the head of policy and advocacy at Positive Money. This is an organisation which promotes a fairer financial system.

Barclays chairman Nigel Higgins spoke at the Financial Times Global Banking Summit, saying: “If you wind the clock back, we along with lots of other people . . . have been slower than, with hindsight, we should have been to address the climate challenge. Nobody can be happy looking at where we are today and be pleased with the amount of progress we’ve made since this topic first moved centre stage.”

NatWest have been proactive
Near the end of 2020, NatWest took a lead on these matters and introduced the first “green mortgage” in the United Kingdom. Anyone buying a more energy efficient home is in line to enjoy a more appealing rate of interest.

Lloyd Cochrane, NatWest head of mortgages, said: “The green mortgage for new customers was the first priority because it was a relatively simple change, but we’re working on how we can help our 1.2m existing customers.”

Big names can do more
Lloyds have promised they will unveil more detailed emissions data and targets in February of 2021. The company has been actively involved with the renewable energy sector, but they haven’t been as active on green matters when it comes to retail banking. So far, Lloyds have offered online tools that helps people and developers make informed decisions regarding green homes, but they aren’t offering products just yet.

This might change, but it could be smaller organisations take the opportunity to become market leaders when it comes to energy efficiency.

Oxbury Bank, a newly licenced entity, are leading the way. In January 2021, they aim to open the very first “carbon offset savings account”. With this account, money that would traditionally be earned in interest will be used to cover the cost of tree planting projects.

Kevin Hollinrake, a Conservative MP and chair of the all-party parliamentary group on fair business banking, has called on banks to provide customers with more information with respect to the impact of their lending.

The MP has also called for banks to reassess the ways they assess risk. He said; “Over the past year the banking sector has made progress in acknowledging its role in climate change and making high level commitments . . . But this has only taken us to the start line. The hard work now begins, and we cannot underestimate the scale of the challenge ahead.”

Anyone looking to arrange informed and up to date guidance regarding a mortgage should speak with an experienced professional.

mortgagesimplicity.co.uk/
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7 months ago
Mortgage Simplicity
Wishing you all a belated happy new year.
We are open for business. Feel free to call on 01259 928220 or drop us a message..

Wishing you all a belated happy new year.
We are open for business. Feel free to call on 01259 928220 or drop us a message..
... See MoreSee Less

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