Excellent9.3 out of 10
185 customers have written a review on Trustpilot
very easy and quick
very easy and quick Read more
Easy to follow and quick results
All in all a positive experience. Easy to follow instructions with a quick result offering a number of options. Read more
It was a very easy filling in the application form ,straight forward and stress free.
The whole experience , from start to finish was straight forward and very easy ,you are guided all the way through the form with very easy to follow instructions ,I found it a very satisfactory way of finding life insurance on the internet ,Thank you . Read more
Good Service and very competitive quotes. Read more
The Agent that delt with me was most helpful and friendly made dealing with this aplication a lot easier.Would recomend. Read more
I am very satisfied with the service, I will definitely use the website again. The person I've dealt with has been extremely nice, it really felt like a friend was taking care of the matter. Just go for it, you won't regret it. Read more
Very fast and efficient service offering many options. Policy cover was in place in no time after selecting the preferred provider. Premium was actually cheaper for exactly the same policy than going to the providers site direct. I checked!! Would recommend this site and would use again. Read more
I found the application very easy to understand and there was no gobbledegook at all.I would recommend this company to anybody.5***** in my opinion. Read more
Very easy service to use Read more
A superb service.
The site is easy to use. The quotes are easy to understand, and produced very quickly. Read more
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What is a mortgage promise?
A mortgage promise is an underwriting process to establish how much a mortgage provider is willing to lend you, giving you peace of mind on your purchase or remortgage.
Why should I get a mortgage promise?A full mortgage application assesses both you and your chosen property, while a mortgage promise (also known as an agreement in principle), just assesses you!
The main advantage of a mortgage promise is it allows you to find out how much a particular lender will allow you to borrow before you find a house.
This has many advantages when looking for a new home. It shows the estate agent that you have been pre-approved for your mortgage and are in an excellent position to proceed.
You could use your mortgage promise to your advantage to show the estate agent that you have been pre approved and hopefully drive a harder bargain and get a reduction on the purchase price.
So how does this work?Step 1: Search the mortgage schemes via our online search system.
Step 2: Select the product and lender that fits your requirements but remember each lender will do their own individual underwriting so you may need to remain flexible until to receive mortgage advice.
Step 3: Choose a local mortgage adviser via our Find an Adviser service to provide mortgage advice and agree the fund with your chosen lender.
Mortgage AdvicePayingtoomuch.com believe that customers should receive advice before they commit to a mortgage. Mortgages can involve individual negotiation with lenders and regularly require original documents like passports, bank statements, payslips and addition ID to be produced. This means they need a level of personal service which is higher than for most other financial transactions. For this reason finding a local adviser can be an advantage.
Payingtoomuch.com support mortgage advice by referring customers to mortgage professionals that are local to you via our Find an Adviser service which will enable you to choose a local adviser after you have used our impartial search engine to get an idea of the marketplace.