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We provide expert Mortgage & Insurance advice for everyone from first time buyers to experienced buy to let landlords. We have access to a comprehensive range of mortgage lenders and can explain the benefits and pitfalls of each of the thousands of products available, making for an easier life for you.
Our business partners, our experience and our determination to gain a suitable Mortgage offer make it ALL happen, from initial conversation to money in the bank on mortgage completion.
We are authorised and regulated by the Financial Conduct Authority and our key members of staff have worked together in the industry for over 25 years, there’s not much to know (if anything at all) about Mortgages & Insurances that we don’t already know.
As an experienced Mortgage & Insurance broker, we have access to a comprehensive range of mortgage lenders. That means we are able to find the very best Mortgage for you from all of those available.
We’re here to ensure the application process runs as smoothly as possible. After all, practice makes perfect and our key members of staff have almost 25 years experience processing applications, valuers, lenders, insurers, and solicitors.
Our priority is getting you the best deal
We're always thinking of new ways to make things easier for our clients
We take full responsibility for our advice and are regulated by the FCA
The media push the idea of using comparison sites all the time for obtaining the best deal, as tempting as it can be this is often not the best idea when it comes to financial products, instead we recommend the use of a specialist mortgage & general insurance broker.
Using a mortgage & general insurance broker greatly enhances your chances of not only getting a mortgage/insurance product but also getting a deal that is right for you. There is no doubt that comparison sites can be helpful but with something as important as your mortgage/life protection we feel you are better of getting the personal touch. By using us at MGI Direct we will analyse your circumstances and pick a product for you that fits the information you provide.
The general criteria for a mortgage loan are as follows:
There are many reasons that remortgaging your home makes sense, whether you are looking for a better deal, looking to raise money to pay off dent or looking to raise money for home renovation.
If you are on your lenders standard variable rate (this is the rate that you revert to when your deal ends) then you should absolutely remortgage, standard variable rates are nearly always more than fixed term rates.
We will never perform a credit check on you ourselves however the lender will, we may sometimes ask you to do a credit check on yourselves if you are declined by a lender so as we can advise you on why the lender has declined you and give us a better idea of who we can place you with going forward.
Whilst most high street lenders like to see a good credit score in order to offer you a mortgage we do have access to many lenders that are a little more forgiving in certain circumstances.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
The guidance and/ or advice contained in this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.
MGI Direct Ltd is registered in England & Wales (Company No. 07569731)
Authorised and regulated by the Financial Conduct Authority. Financial Services Registration Number 697649
Owned and operated by MGI Direct Ltd, 27 Bridge Street, Usk, NP15 1BQ.
MGI Direct is a credit broker and not a lender, We work with the whole of the lending market who may pay us a commission. The amount of commission paid varies between lenders.