About Us

At EBR Mortgages, you’re at the heart of everything we do. We focus on understanding your needs and providing a personal service. You can count on us for honest advice and clear information, helping you feel confident and informed as we tackle the mortgage process together.

What we do

At EBR Mortgages, we’re all about helping you understand your mortgage options. Our approach is to tailor our guidance to fit your individual needs, providing transparent and honest advice to help both new buyers and experienced homeowners save time, stress and money.

Introducing

Chris Ebrat BSC CeMAP CertRBCB

Director/Mortgage and Protection Adviser

Chris has spent the last decade enhancing his expertise at some of the largest financial institutions. Recognising that many individuals required tailored assistance that directly addressed their unique mortgage and protection needs, he established EBR Mortgages. His aim is to use his extensive experience to help clients effectively navigate their options. He ensures that they receive clear, honest, and effective solutions, tailored to their specific circumstances. This approach guarantees that every client feels confident and informed as they make crucial financial decisions.

Why Choose Us?

Timing is Everything

We understand the importance of knowing your mortgage options before you start viewing properties. An estate agent will often ask for an agreement in principle when you make an offer. You could be waiting 3-4 weeks for an appointment with your bank, whereas we’ll accommodate your appointment much faster than this.

Ready for a Conversation?

Our success in helping people in the property market stems from our genuine commitment to understand our clients. We work with a diverse range of people, each with unique circumstances and requirements. Regardless of your situation, we’ll identify the most suitable mortgage tailored to your needs, circumstances, and preferences.

Wide Range of Mortgage Options

Right from the start, we’ll ensure you receive the right mortgage advice, saving you valuable time and money. We’re partnered with more than 100 lenders, enabling us to offer you the best deals available. We’re committed to understanding your needs and finding the perfect match in what can often be an overwhelming market.

Frequently Asked Questions

View our most Frequently Asked Questions. If you can’t find an answer to your question, please get in touch with us here.

Mortgages

We compare deals from more than 100 mortgage lenders. With such comprehensive market coverage, we guarantee to find you the best deals tailored to your specific situation.

The necessary documentation varies based on your individual circumstances, but as a minimum, we typically request the following:

  • Proof of Income:
    • For employed individuals:
      • Last 4 months’ payslips
      • Latest P60
    • For self-employed individuals:
      • SA302’s (or tax Computations/Calculations) and Tax Year Overviews for the last 3 years
  • Bank Statements:
    • Latest 4 months, demonstrating both income and outgoings. The statements should include your name, address, account number, bank logo, and transaction dates. If you use multiple accounts, statements for those are also required.
  • Identification:
    • Valid passport and driving licence.
  • Proof of Residency:
    • For non-UK Nationals, proof of settled/pre-settled status or a biometric residence permit.
  • Proof of Address:
    • Utility bill, council tax statement, or credit card statement dated within the last 3 months.
  • Proof of Deposit:
    • Statements indicating the available balance and the build-up of funds.

The speed of your mortgage application hinges on how efficiently you can compile the necessary information to meet the lender’s requirements. Assuming all essential documents are prepared, queries from the lender can be promptly addressed, and the property owner allows a timely valuation or survey, the typical duration for the mortgage application process ranges from 2 to 4 weeks.

It’s essential to account for the following fees and charges in your budget:

  • Stamp Duty: This is applicable when acquiring a property valued over £250,000. The rates vary, with additional charges if you already own another residential property, usually 3% extra. First-time homebuyers may qualify for discounts on properties up to £625,000; You won’t pay any stamp duty on the first £425,000, and then you will pay 5% SDLT on the portion between £425,001 to £625,000.

Property value

SDLT rate

Up to £250,000

Zero

£250,001 to £925,000

5%

£925,001 to £1.5 million

10%

Above £1.5 million

12%

  • Solicitors’ Fees: Costs can vary based on factors like the solicitor chosen, property value, and transaction type. A detailed breakdown of expenses should be provided by your solicitor or conveyancer.
  • Mortgage Brokers’ Fees: Professional mortgage advice typically incurs charges. Feel free to contact us for information on our fee structure.
  • Mortgage Booking Fees: Some lenders may request a non-refundable deposit to secure your commitment to the deal.
  • Mortgage Arrangement Fees: Charged by lenders upon completion, this fee can often be added to your mortgage, though it increases the overall owed amount.
  • Valuation Fees: Lenders may assess the property’s value; some include this in their deal, while others may charge a fee.
  • Survey Fees: If concerned about property condition, consider a homebuyers’ or building survey for detailed insights into structural and maintenance issues, though they come with additional costs.

Protection

Our expertise lies in offering guidance on insurers that are not only fitting for your requirements but also competitively priced. With access to a diverse range of insurance providers, we can advise you in making the right decision.

After exploring your options, we handle the application process with the insurer. During this stage, we may need to ask you a series of questions regarding your medical history, enabling the insurer to assess your eligibility for the cover.

Absolutely, given the nature of our discussions involving sensitive information, our service maintains complete confidentiality. While we will need to share details regarding your medical history with the insurer to assess your eligibility for cover, rest assured that all information is treated with utmost privacy and discretion.

Certainly, we will guide you in determining the appropriate level of home insurance and can facilitate the arrangement of both buildings and contents cover. Our aim is to ensure that your home is fully protected, meeting the requirements of your mortgage provider.

General

If you’re interested in exploring your options, feel free to reach out for a free, no-obligation conversation with us. During this discussion, we can explore how our services may be able to help your needs.

Yes! EBR Mortgages Limited operates as an Appointed Representative of Stonebridge Mortgage Solutions Ltd, authorised and regulated by the Financial Conduct Authority. We possess all relevant qualifications to provide advice on mortgages and protection. Additionally, we maintain professional indemnity insurance, offering financial protection in the event of legal action. This not only safeguards our interests but also ensures your protection in case any legal complaints arise.

Absolutely! Our advisers are ready to discuss your options, even if you’re in the early stages of planning for a future move. Over the years, we’ve assisted many people who weren’t quite ready to get a mortgage by providing guidance on becoming mortgage-ready. This includes advice on deposit requirements, debt repayment strategies, and tips for improving credit scores. Our access to so many mortgage options, could mean we can secure you a mortgage now, meaning you don’t even have to delay your plans.

Our fees are determined by your specific needs and the complexity of your individual circumstances. Our initial consultation is free, where we let you know all of your mortgage options, and we’ll clearly outline the charges before you decide to proceed with us. Our standard fee for mortgage advice is £499, payable upon application. Before submitting your application to a lender, we ensure you are mortgage-ready by conducting thorough research, securing a mortgage agreement in principle, and providing you with multiple mortgage options. We manage the entire application process, presenting your case favourably to the lender, and liaise with the underwriter on your behalf for a seamless experience. Insurance services do not incur an additional fee. Our all-inclusive fee covers administrative tasks, market expertise, and the professional mortgage advice you will receive.

Have Questions? We’re Here to Help!