Why use Citrus Mortgages?
We strongly believe that all our clients have unique needs. Whatever your circumstances our service proposition is constructed to ensure that you are guided to the right mortgage deal.
Free Mortgage Advice
All initial advice and obtaining an agreement in principle for you is free of charge.
We are not a Comparison Website
Apart from the fact they can be confusing, comparison sites do not consider your individual circumstances and goals. Each lender has different criteria and you may not qualify for their products. The very real danger is that by applying for and being declined for a mortgage can lower your credit score, this in turn can lead to you becoming unmortgageable.
Ethical Mortgage Advice in plain English
It is very important to Citrus Mortgages that you understand the deal you are applying for and why it is the best route for you. One of our expert advisers will take you through all the mortgage options that are available to you and explain them in plain English.
Virtual Mortgage Appointments
Citrus Mortgages offers a virtual mortgage appointment service, so you can link into our industry mortgage sourcing software and watch as we talk you through the pros and cons of each deal in the comfort of your own home or office.
We are experts in each lenders criteria and will be able to find the best product for your circumstances. The headline rate doesn’t always mean that it is the cheapest. We consider all the fees and charges involved to find the most competitive product overall.
Access to Exclusive Mortgage deals
Lenders obtain most of their mortgage business via brokers rather than through their branch network or direct (source: Council of Mortgage Lenders).
Through Mortgage Networks and Clubs, we have access to exclusive deals and products that are not available by applying to the lender direct. These can be cheaper rates, lower fees or incentives such as cashback or a free valuation. Furthermore, there are also lenders who only offer products through brokers and that the public cannot obtain on their own.
Whole of Market Mortgage Broker
If you contact a lender direct they will only be able to offer you products from their own, limited product range. Many estate agent brokers only have access to a panel of mortgage lenders. Citrus Mortgages has access to the Whole of the Market, which means you can be confident that can find the right deal for you.
Simple 3 step process
As easy as 1, 2, 3. Applying for a mortgage on your own can be stressful. Citrus Mortgages is here to take the worry away and make this a smooth, painless transaction.
The friendly advisers at Citrus Mortgages are experts in helping fulfil your mortgage and protection needs. However, there are certain areas where you need assistance from professionals in that field.
Many of our clients struggle to find reputable companies to help them fulfil their needs. We can help by referring you to one of our trusted partners, so you can be confident that you will receive a great service at a competitive price.
At Citrus Mortgages your case is not handled by call centre operators. You will always have access to your adviser and dedicated administrator. This allows us to provide regular updates, so you are not left in the dark with the progress of your application.
We fight your corner
Our role is to ensure that your application is progressed to completion. At Citrus Mortgages we know the lenders criteria and processes.
If there are any issues we will present your circumstances in the best possible light and overcome any problems for you. Citrus Mortgages has strong links with the lenders and can escalate your case internally.
Recommend A Friend
If you recommend us to friends, family and work colleagues then we shall reward your loyalty by sending you a £25.00 Marks and Spencer’s gift vouchers when their mortgage or life insurance completes (T&Cs apply).