Independent mortgage advice
At Sheldon Bosley Knight, excellent service is our priority, which is why we’ve partnered with Ernest Grant Mortgages. They’re an independent mortgage advice service focused on helping you get it right first time. Their goal is to provide all your options upfront, so you can make the best decisions for you and your family. See how they can help below.
Planning is everything
1. Creating the budget
Your adviser will provide a tailored understanding of what you’re likely to be able to borrow. They then couple this with your own preferences on maximum spending per month to tailor a loan amount and deposit level that is a best fit.
2. Knowing your costs
Buying a home can be costly. It’s important to know how much you are likely to need for a deposit as well as the other associated costs of the purchase. Your adviser will provide a full breakdown of your upfront and on-going costs to buy a property, so you can save with purpose.
3. Lender qualification
As part of your free initial consultation service, your adviser will provide a certificate (subject to credit) from lenders stating the amount you can borrow (known as an Agreement in Principle). This is required by most estate agents to lodge a successful offer.
Calculator assumptions
Monthly repayments – the calculator divides the total mortgage amount and the total interest payable (using your selected rate) by the total number of months in the mortgage term.
Interest rate – the interest rate you select is used to calculate the total interest payable over the mortgage term. The calculator assumes the interest rate will remain the same throughout the mortgage term.
Payment frequency – the calculator assumes interest is charged at the same frequency the repayments are made. In practice, this may differ with different mortgage products.
The information provided by this tool is for guidance purposes only and should not be construed as advice or a mortgage offer.
Why choose Ernest Grant Mortgages?
A smoother mortgage journey
Ernest Grant Mortgages is there to put you first. Unlike others, its advisers are supported by an expert in-house team dedicated to keeping things on track. They’ll communicate with you, your agent and your solicitor to ensure everything runs smoothly. As a result of this support, your adviser stays as your main contact throughout, with more time to focus on what matters—tailoring the best advice for you.
Finding the right fit
Your adviser can find mortgages from over 100 lenders, not just a limited panel. Each lender has individual criteria, rates and specialities, so you’ll get the one that fits you best. Backed by decades of experience, their experts help you structure your finances to secure your next property.
The EGM rate review promise
Waiting for the keys to your new home can feel endless! A lot can change with interest rates in that time too. That’s why Ernest Grant promises to review your rate at least twice during your home-buying process—sometimes even three times. It’s more work for them but could save you thousands over your fixed period. And the best part? This service comes at no extra cost. It’s just the right thing to do!
Mortgage guides
See the helpful guides below if you are looking to find out more about the mortgage and buying process. Please note, these guides are just general advice from Sheldon Bosley Knight and not the official mortgage advice of Ernest Grant Mortgages.
