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The Mortgage Store
The Mortgage Store makes getting a mortgage smooth, simple and stress-free. We’ll sort out the house, and then you can make it a home. With thousands of different mortgage schemes available in the UK for people with varying circumstances, finding the right mortgage deal can be very time-consuming. This is why we pride ourselves on our exceptional, 5-star service in helping people find the perfect mortgage deal.
Introducing Sanjay Sinhal
As a dedicated and knowledgeable mortgage broker, I’m passionate about helping individuals and families achieve their dream of homeownership. I pride myself on providing a personalised and approachable service, offering simple and straightforward advice to guide you through every step of the process. My goal is to ensure clarity, confidence, and access to competitive mortgage rates tailored to your unique needs.
Whether you’re a first-time buyer, moving to a new home, looking to remortgage, or exploring investment opportunities, I take the time to understand your circumstances and find the right solution for you.
With over six years of experience in financial services, including my role as a Mortgage Adviser with Santander, I bring extensive industry expertise to my work at The Mortgage Store. I’m committed to making the mortgage process as efficient and stress-free as possible, ensuring you feel supported and informed every step of the way.
I offer flexible options to fit your schedule, including face-to-face meetings locally or remote consultations via phone or video call – whatever works best for you.
When I’m not helping clients secure their dream homes, I love spending quality time with my family, watching sports, and staying active with badminton and running.
Get in touch today to see how I can help you save money and secure the perfect mortgage deal for your needs.
What Does A Mortgage Broker Do?
A mortgage broker is essentially a financial expert who helps people find and secure the most suitable mortgage for their needs.
We assess a client’s financial situation, thoroughly explain all the different mortgage types and guide them through the application process, making it as smooth as possible.
It’s probably the biggest financial responsibility someone will have. So our job is to hold their hands through the process, take the stress out of getting a mortgage and basically help our clients save time and money.
The main difference with a mortgage broker is choice and flexibility. A bank can only offer you its own mortgage products, which might not always be the best fit for your situation.
As a mortgage broker I have access to a wide range of lenders including high street banks, specialist lenders and exclusive deals that you wouldn’t get by just walking into a bank.
Another key difference is the overall level of service. Banks often have a one-size-fits-all approach – whereas I take time to understand your specific needs, financial situation and long-term goals to help find the best mortgage for you.
I also handle the application process, deal with lenders on your behalf and help navigate any challenges that may arise – making the whole process smoother and less stressful.
Ultimately, a mortgage broker gives you more options, personalised advice and a better chance of securing the right mortgage at the best rate.
I can offer a wide range of services to help clients find and secure the right mortgage, but my role goes beyond just finding a loan. Firstly, of course, there’s the mortgage advice and sourcing. I assess the financial situation, discuss goals and find the best mortgage options from a wide range of lenders.
We also provide a lot of support to First Time Buyers to guide them through the entire process, explaining everything in simple terms and ensuring they get a mortgage that suits their needs.
For those who already have a mortgage, we can assist with remortgaging. Whether you’re looking for a better rate, to borrow more or switch lenders, I help find the best remortgage deals.
We can also assist landlords in securing Buy to Let mortgages for rental properties, both first time investors and experienced landlords who are expanding their portfolio. We also help with specialist mortgages for clients with slightly more complex situations – such as self-employed individuals, contractors or those with adverse credit.
We provide protection and insurance advice, helping ensure you have the right mortgage protection in place if, God forbid, something were to go wrong. That could include life insurance, critical illness cover, income protection or even home insurance.
Last but not least, a big part of the service is that end-to-end support. We manage the entire mortgage application process and liaise with lenders, estate agents and solicitors, making everything as smooth and stress-free as possible.
Absolutely. An Agreement in Principle is where we’ve done an affordability check and credit check to make sure that everything looks good for a mortgage to go through. It essentially provides an indication that a lender is happy to lend.
Once you have this Agreement in Principle, you’ll be in a prime position to get your offer accepted. It’s usually a requirement for the estate agent, so it’s a really good idea to get that done beforehand.
I’m able to help wherever you are in the country. I’m totally flexible and happy to work however is best for the client. I know a lot of people prefer to do things online or on the telephone. That’s not a problem at all.
But I also offer a very personal face-to-face service too, if that’s what you prefer. We’re willing to help anybody and we offer that balance – it really just depends on your preferences.
I’m on Facebook, so you can follow me there – The Mortgage Store – Sanjay Sinhal. If you have any questions or you require any advice, please feel free to send me a message or give me a call – I’ll be more than happy to help.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE MOST BUY TO LET MORTGAGES.