Mortgage Broker in Barry

The Leading specialist Mortgage advisors for doctors and medical professionals

We understand the complex nature of healthcare incomes and how they can cause difficulties in getting the mortgage you want. We have trusted relationships with specialist healthcare lenders and access to exclusive deals. 


No impact on your credit score

If you are a Doctor or medical professional, using a specialist broker with medical professional experience can make a difference to the success of your mortgage application and take away all of the hassle involved with finding and securing a mortgage. Whether you are buying, investing, letting or remortgaging we can source a mortgage at a rate to suit you.

Why use us?

As a specalist in helping medical professionals obtain a mortgage, we don't waste time, we understand the problems you face and get straight into solving them. 

We primarily work on commissions, so can usually provide our services fee free. Some complex cases may require a fee, but you will be informed of this by an advisor before making any commitments.
We have built relationships with lenders who now provide us with exclusive products, not avaiable elsewhere, by leveraging our relationships, we are able to obtain the mortgage you want. 

We have 50+ years experiance in helping clients obtain mortgages. We leverage this experiance to provide you with a stress free journey. 

We have built relationships with highstreet lenders who are able to offer us favourable terms and rates.

We are a 'whole of market broker' meaning we have access to every lender of the market and compare them all to find you the best mortgage deal. 

We understand that you work non standard working hours, that's why, we are avaiable from 8am to 10pm to assist you.

All of our mortgage advisors are qualified to the highest of standards. We are authorised and regulated by the financial conduct authority. 

Your Path to Homeownership Starts Here

How to get started - Our simple 4 step process

Step 1

Press 'Get approved' Below, the link will take you to a short form.

Step 2

We'll match you with a mortgage advisor.

Step 3

You're mortgage advisor will contact you to discuss your mortgage options.

Step 4

If you're happy, we submit your mortgage application and guide you to completion.

We have access to exclusive mortgage deals

Common Questions

What is the process of getting a mortgage in barry?

To help us understand your mortgage requirements and the kinds of products avaiable, your first task is to complete our mortgage fact find.

After that, we will schedule a meeting for you with a Barry based mortgage advisor so they can gather a few additional details from you.

Then, to improve your chances of the seller accepting your offer, we can set up an Agreement in Principle for you in less than 24 hours.

We may begin the mortgage application process once you’ve chosen your ideal house and are satisfied with our mortgage advice. More than three weeks may pass before a formal mortgage offer is made, during which time we will keep you updated on the status of your application.

When should I start the mortgage process in Barry?

We advise our applicants to get an Agreement in Principle (AIP) as soon as possible as a Barry mortgage broker. When viewing properties, having an AIP can improve your chances of being approved by the seller. Additionally, it can present a chance for a price negotiation.

What documents do I need to get a mortgage in Barry?

During the mortgage application, you’ll be asked to provide the following documents,

– Latest 3 Payslips (Employed), Last 2 years’ Accounts (Self-Employed) – Latest 3 Months’ Bank Statements – Latest P60 – Photographic ID

How long does it take to get a mortgage in Barry?

Your free mortgage consultation should last between 30 and 60 minutes, to start. Within 24 hours of this being finished, your Barry mortgage advisor will secure an AIP on your behalf. We can submit your mortgage application after that, if you’re happy to move forward with the arrangement that your advisor has suggested. The average turnaround time for a formal mortgage offer is 3 weeks.

I'm self employed, can I get a mortgage in Barry?

If you self-employed while submitting your mortgage application in the UK, you must provide at least one year’s worth of financial records. As a Barry based mortgage broker, we’ve discovered that the majority of lenders determine the maximum mortgage amount you can borrow using your salary plus dividends. However, some lenders might base their decision on your net earnings.

I have bad credt, can I get a buy to let mortgage in Barry?

The good news is Yes, you can obain a bad credit buy to let mortgage in Barry, although it is important to note, the interest rates charged by the lender will be higher.

Get Approved now

EM Wales is a trading style of Estates Mitchell Limited is Authorised and Regulated by the Financial Conduct Authority under Registration Number 948488 at www.fca.org.uk/Register 

The Financial Conduct Authority does not regulate all aspects of Commercial and Buy to Let Mortgages.