INDEPENDENT MORTGAGE BROKERS
WHY
We’re not a large, faceless corporation and you’re not just a number. We are a team of caring and
Personal & flexible
passionate advisers and for over
We understand you have other commitments.
20 years we have taken great pride
We’re happy to work outside of the 9-5 routine
in helping our customers’ dreams
so we can fit in with your schedule. You’ll get to
become reality.
Friendly clear advice You’ll benefit from your own dedicated mortgage adviser who will guide you through the whole process in simple terms.
Fast We move quickly. We can provide you with a
know your adviser and will be able to contact them directly by phone and email throughout the process.
Less stress We’re on hand to answer all your questions about mortgages, simplify the jargon and arrange insurance. We’ll fill in forms, certify documents and keep things moving, making the whole process as swift and easy as possible.
decision in principle so that you don’t miss out on the house you have set your heart on. You
Continuing care
will be allocated an experienced mortgage
We like to form long-term relationships with our
progressor. Their job is to get your mortgage
clients. We offer regular reviews so you can be
approved as quickly as possible.
sure you continue to get the best deal for your mortgage. We can also re-assess your insurances
Specialist
as over time the amount of cover that is right for
Because we specialise in mortgages, we know all
you may have changed.
the quirks and can handle these.
Great deals
How we get paid With the exceptions of shared ownership and
We have access to the whole market so you can
equity release mortgages we do not charge a fee
be sure you’re getting a great deal (often the
for our services*. The lender pays us commission
ones you can’t get access to online).
when the mortgage completes. Kate Dupree, Director
WHAT
Whether you’re buying for the first time, moving home, re-mortgaging or considering buying to let or equity release we’re here to find the right mortgage for you.
First Time Buyers
Moving House
Getting on the property ladder can be hard.
If you’re looking to move house, it makes
We can talk through your options to help get
financial sense to look at what mortgage deals
you there. These include using one of the
are available, as switching lenders could save
Government’s Help to Buy Schemes such as
you hundreds of pounds a year. Not only do we
Shared Equity or Shared Ownership. These can
have access to the whole of the market, meaning
allow you to buy a property with a deposit from
we can find the best deal for you, but we’ll guide
as little as 5%.
you through the whole process of moving to keep stress to a minimum and ensure you
Help to Buy: Shared Equity
complete on time.
If you don’t have a large deposit,
Buy-to-let
the Government’s Help to Buy
If you are interested in buying a property to let,
Shared Equity scheme aims to
you will need a buy-to-let mortgage, generally
help you purchase a new-build
with a minimum deposit of 25% and rental
property by lending you up to 20% of the value.
income covering at least 125% of the monthly
There are set criteria around this and we can talk
mortgage payments.
you through whether you are eligible. Find out more: www.helptobuy.gov.uk
Insurance We’re on hand to ensure you’ve got the right
Help to Buy: Shared Ownership If you can’t quite afford the mortgage on 100% of a home, the Help to Buy Shared Ownership scheme offers you the chance to buy a share of your home (between 25% and 75% of the
cover in place – from the structure and contents of your home, accidents and repairs, to cover for yourself and your family, we can find the most appropriate policy for your needs so you can relax knowing you’re taken care of.
home’s value) and pay rent on the remaining
New Mortgage Products
share. Later, you could buy bigger shares when
Most mortgage products have a fixed end date.
you can afford to.
Typically, they last for 2 or 5 years. When your
With Help to Buy Shared Ownership you can buy
new deal for you. This could be with your current
a newly built home or an existing one through
deal ends, we can search the market to find a lender or with a new one. Re-mortgaging to a
resale programmes from housing associations.
new lender can potentially save you hundreds of
Find out more: www.helptobuy.gov.uk
pounds so it’s always worth looking into.
HOW
Our phone lines are open 7 days a week between 9am and 6pm Monday to Friday and 10am to 6pm Saturday and Sunday. Appointments are available outside of these hours. We will fit in with when suits you. Times change and these days most people prefer to use the phone or Teams to arrange their mortgage. Teams allows us to share our computer screen with you. We use electronic signatures where possible and have a secure client portal which allows documents to be quickly uploaded and shared.
Step One : Getting to know you Building a clear picture of your individual circumstances and needs.
Step Two : Searching for the right mortgage Searching across 100s of different mortgages from across the market and giving independent advice on the best one for you.
Step Three : Guidance to completion Completing all the paperwork and making sure everything runs smoothly so you complete on time.
Step Four : Ongoing support Providing ongoing support and regular financial reviews. If you’d like to find out more about the services we provide, please call us on
01453 852900 You can also book an appointment online at www.bromford.dupreefs.com A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU REMORTGAGE. EQUITY RELEASE MAY REQUIRE A LIFETIME MORTGAGE OR HOME REVERSION PLAN. TO UNDERSTAND THE FEATURES AND RISKS, ASK FOR A PERSONALISED ILLUSTRATION. * For shared ownership mortgages we charge a fee of £99 on application and £99 on completion. For equity release mortgages we charge a fee of £995.
Trusted advice for all your financial needs Financial Planning · Mortgages Insurances · Pensions · Investments
“I have been so happy with the service and expertise… You really made the impossible possible! Fantastic work all around, efficient, polite and always there to answer any question.”
J.J Cwmbran
Gerry Dupree & Co Ltd Unit 17 Springfield Business Centre, Brunel Way, Stroudwater Business Park Stonehouse, Gloucestershire GL10 3SX
t 01453 852900 e hello@dupreefs.com
www.dupreefs.com