01392 690888
info@swmortgages.com
Opening hours:
Mon - Sat 8.30am - 7.30pm
Evening and home appointments available
Expert, Independent, Whole of Market Mortgage Brokers
Independent Mortgage Brokers
Exeter Mortgages Online is an independent, whole of market, mortgage broker. Exeter Mortgages Online provides expert independent mortgage advice for everyone from first time buyers and for those looking to remortgage, through to experienced buy to let landlords. We offer expert independent mortgage advice with a personal touch, with over 30 years’ experience and the majority our clients staying with us for all their house purchases. As an independent mortgage broker we can research the best possible mortgage to meet your specific needs and ensure you receive the very best deal, best rate and terms.
Your first step will be to contact us for more information about an initial no obligation consultation and a free appointment. We can then assess the best mortgage options available for you and make our recommendations. You can contact us by filling in our online application form, request an appointment or call the number above.
Using Exeter Mortgages Online saves you the legwork
We have regular contact with a wide variety of lenders, some of whom you may not even know about. The alternative to working with us is to call up dozens of lenders and compare their mortgage terms and rates on your own. We save you the time and headache of having to do that as we have access to daily updated software sourcing all the lenders rates. Using our expert knowledge of the whole market, we can also steer you away from certain lenders with onerous payment terms buried in their mortgage small print.
We hold your hand through to completion
We have a team of expert support and administration staff who will process your application, progress your offer and chase any queries and are there to also pre-empt any problems before they arise. We work with you, your Estate Agents and Solicitors, to make the process as smooth as possible. This saves hours of your time waiting on calls and chasing a wide circle of people during office hours.
What our clients pay for our services?
The initial consultation, mortgage advice, research and obtaining an Agreement in Principle is FREE. Our typical fee for UK residential and buy to let mortgages when we commence a mortgage application is £490. If for any reason you do not get a mortgage offer, a refund of 50% will be made. When the mortgage completes, we will also receive commission payable from the lender. Fees for Expat Mortgages, Equity Release products and for balances of less than £99,000 will be charged at an additional cost of £300.
We give you more choice
We search the whole market for the best product for you, as we are not tied to a specific lender. Some lenders work exclusively with mortgage brokers and rely on them to be the gatekeepers to bring them suitable clients. You may not be able to contact some lenders directly.
You may save on some fees and additional costs
Due to our high volume of business, we have access to ancillary services at a discounted rate. For example, we have access to a panel of reputable solicitors for you to choose from at discounted rates.
Meet the Team
Phillip Clark MLIA (d.i.p) CeMap
Managing Director SW Mortgages Group
Phil has over 30 years’ experience as a Mortgage Broker. Phil has two daughters and has lived in Bristol for most of his life. Phil also has extensive knowledge of the Spanish property market and helping ex-pats with mortgages. His leisure time is spent with family and friends and he is a keen swimmer and keeps fit in the gym. Phil is well-known in Bristol for his excellent customer service when dealing with both property and finance.
Russell GreenBSc (Hons), CeMap
Senior Mortgage Adviser
Russell joined us in September 2021 after an 18-year career with Santander as a Mortgage Adviser and latterly as a Branch Director. Russell has an excellent knowledge of the local market having lived in the area all his life. Russell studied Business Management at Plymouth University, enjoys playing golf and cricket in his spare time as well as spending time with his two children. Our clients appreciate the wealth of knowledge that Russell brings in dealing with both residential and investor mortgages. Russell himself is enjoying the opportunities that being a fully independent mortgage broker brings
What our customer say about us.
"Such a great service from start to finish! Phil and Kamila were truly professional, friendly and most of all efficient! They were both a joy to work with and offered us the very best service to find the right mortgage for our specific circumstances, which were relatively complicated. We're looking forward to our first ever mortgage! Thanks again guys!"