We Search the Whole of the Mortgage Market To Get You The Very Best Deal!
What Our Clients Say About Us
Laura was so friendly and above all professional. She explained everything to us very clearly and got us a much better mortgage deal then we had already been offered. We are now very happy in our new home and wouldn’t hesitate in recommending her services to friends and family.Richard & Chloe Brennan
Laura has been absolutely fantastic throughout my mortgage process… nothing was too much trouble for her and she was very efficient and professional in all areas.
She is very approachable and made me feel very at ease in what could have been a very stressful time for me and helped in all areas by providing advise and guidance in other areas besides my mortgage.
She even worked above and beyond her usual working hours to attend a home visit to go through my application working around my availability and provided further support over the phone during some evenings.
I would definitely recommend Laura :)!!! There are no hidden fees involved in the service she offers and customer service comes before anything.
I want to say a massive thanks to Laura for all that she has done for me and making my new house move a very SMOOTH one 😊!Amy Newton
I cannot speak too highly of Duxbury Mortgages. They have really gone above and beyond in helping us get the best mortgage deal possible and have kept us updated every step of the way.Karyn and Matthew Lowe
After seeing others I know experience serious illnesses and not have the relevant cover to protect themselves I knew it was something I had to put into place.
I had no clue what companies were the best to cover me or what type of protection I needed.
Laura was a marvellous help to me, she made me feel at ease and made sure I have the correct amount and type of protection that I really need.
The protection policy Laura got for me not only gives me the safety net everyone should have but also bonuses of a free Starbucks and cinema ticket each week!Amy Pullen
Super impressed with Duxbury Mortgages and I highly recommend them!
Stuart was really helpful and gave my partner and I a lot of good advice while buying our new home.
He made things convenient by travelling to us on a weekend to get all the paperwork done and he kept in regular communication with us to let us know what was going on.
He also communicated with the solicitors and estate agents to ensure things were moving along.
The mortgage Stuart found was a very competitive rate and the company will handle switching the mortgage every time the fixed period ends for no extra cost.
Worth every penny!Alex Annice
Excellent and professional service from Duxbury Mortgages !
Stuart was helpful very efficient and friendly, regularly kept me up to date with my application, always at the end of the phone to answer any questions I had.
The process was easy and quick.
I have saved £110 a month and even got a nice little cash back bonus !!
Definitely will be back and would highly recommend .Claire Rotheram
Really excellent service, products and communication received from Stuart.
Would highly recommend!
Saved a lot of money re-mortgaging with Duxbury!Lucie Rimmer
Excellent and professional Service…
Stuart really helped us in getting the mortgage for our new home and has always been on hand and re-assuring throughout the whole process…
Would highly recommend Duxbury Mortgages to anyone…
Many Thanks Laura + RichardLaura Forshaw
Stuart friendly manner and professionalism in dealing with my re-mortgage was seamless and faultless.
He worked tirelessly getting me a great deal whilst I sat back.
I would highly recommend him and would most definitely use him again.
I recently applied for a remortgage on my property and discovered Duxbury Mortgages by chance.
They made it so much easier and pain free, delivering a new mortgage at a great rate! great experience and will be using again in the future!
Duxbury Mortgage Brokers were recommended to me by a friend.
I have been dealing with Stuart who has been 100% from getting me the best deal helping with my queries and keeping in regular contact with me through the process of purchasing my first home.
I would highly recommend and wish to thank Stuart and Duxbury Mortgages for all the support.
Truly Awesome 😊Debbie Cross
Professional reliable help in finding the right mortgage product for you.
Always stayed in contact to keep us up to date with the process.
Process rushed through as quick as possible.
Easy to talk to and answer any queries you may have. Would 100% recommend.Danielle Baines
Excellent service. Helped with every little detail and made the process of buying our first home go very smoothly.
Would highly recommend Stuart and Laura.
Thanks so much for all your help
Kelly and ScottKelly Wilson
Stuart was incredible!!
So very helpful – he spent time getting to know me and my situation, identifying what would be the most helpful route for me, and supported me throughout the whole process.
Would recommend a million percent! Will be coming back again and again! 🙂Sarah Alsawy
Great, efficient service.Susan Sumner
Stuart and the team from Duxbury Mortgages were fantastic he got us the best deal and kept me informed through out the whole process I will defo be using them again in the future.
Cheers Stuart!DJ Bazza
Many thanks to Stuart for his excellent service and friendly support which has made our lives so much easier!John Dawson
Great rate with my new lender.
Simple process and kept in touch throughout the application.
Would highly recommend.Paul Laycock
Laura was really helpful in helping us find the best deal and answering all our queries.
It was a very smooth process and we would definitely use in the future and recommend.
Thank you!Vicky Sheard
Great experience!David Buckley
Laura was brilliant helping us move house. Nothing was any trouble and she went above and beyond.Chloe Brennan
Laura is a great listener and gets to know her clients’ requirements thoroughly before recommending the mortgage product best suited for their needs.
Duxbury can access mortgage deals not available from high street lenders too!
And if you are on a fixed rate mortgage which is coming to an end, Duxbury with your permission, will review your mortgage to make sure it’s still the best deal available to youMike Cowburn
Because of the experience we had with Duxbury Mortgages I wouldn’t hesitate to recommend them.
The whole process was made so easy by the way Laura handled everything.
Straightforward. No hassle. Perfect.Tracey Wood
Excellent service, I would recommend Duxbury Mortgage services to anyone.Stephen Leigh
If you need help with your mortgages or life insurance these are the guys to go to!
Very helpful and no stress!
Thanks again!Antony Monks
I would recommend Duxbury Mortgages highly.
As I was searching for a property I had a number of estate agents provide me with the names of mortgage brokers – with many of them charging over 600 pounds for their services.
Duxbury Mortgages not only were the cheaper company, but they suggested the best rate out of a number of quotes, and also enlightened me to the fact that I could borrow significantly more than other brokers were suggesting – meaning I was able to buy my perfect home.
Stuart from Duxbury Mortgages was invaluable in guiding me through the house buying process for the first time. As a first time buyer on my own I had a million questions and he was always on the other end of the phone to help.
I will be using this company again and recommending them to friends and family.
Thanks Stuart!!!Rachael McHugh
A faultless service provided by Duxbury Mortgages.Removed all the stress from moving home.
Friendly, helpful and knowledgeable.
Went above and beyond to help us get into our new home.
We are so grateful for all of your help and we are very happy with our mortgage deal.
Would highly recommended and won’t hesitate to use again.Victoria Wise
Got everything done in 2 weeks, what a great service!
Thanks Stuart!Zhuyuan Wu
Great experience with Duxbury Mortgage Advisors.
Laura went above and beyond to help and was always available to answer questions.
I will definitely be using them in the future.Maeva Davies
I have dealt with Stuart throughout my mortgage application.
I have to say he has been amazing on the ball with everything.
I would very highly recommend Duxbury Mortgages to anyone, they are just fantastic very friendly and professional.
Thank you so much for everything.Tina Fitzharris
Stuart was brilliant and very professional.
A very smooth process.
Thank you Andrew & HelenHelen Pilling
Friendly, reliable and excellent service, would definitely recommend them.Neil Williams
Extremely helpful, informative and couldn’t do enough for me!
Fantastic service!Silvio La Valle
Stuart got me my mortgage no hassle I had nothing to do it went through very smoothly great company would highly recommend, Duxbury Mortgages all the way *****Julie Hopkinson
Stuart and Laura are brilliant.
Really listened and got us a great deal.
Highly recommended. Thanks again!Chris Meadows
Why Use A Mortgage Advisor?
With the thousands of different mortgage products available, we understand how choosing the right mortgage for you and your family can feel daunting.
At Duxbury Mortgages, we do all the searching for you to ensure you are getting the best possible deal available.
We also process your mortgage from start to finish, liaising with the Lender, Estate Agent and Solicitor directly to ensure a smooth home purchasing experience.
Why Use Duxbury Mortgages?
Duxbury Mortgages provide whole of market, friendly and unbiased mortgage advice.
Covering the whole of the Lancashire and surrounding areas including Chorley, Euxton, Adlington, Horwich and Preston, we offer honest and unbiased advice on first time buyer mortgages, re-mortgages, and buy to let mortgages.
You’ll love Duxbury Mortgages and here’s why:
Our friendly and local expert advisers provide all mortgage and protection advice.
We have access to thousands of mortgage deals, many of which aren’t available from high street providers.
When you apply for a mortgage through Duxbury Mortgages you will be treated as an individual.
We get to know you and your personal circumstances before recommending a mortgage deal to you.
Our service doesn’t end when your mortgage completes.
With your permission we will contact you in the future when your fixed rate is coming to an end to review your mortgage to ensure that you are still getting the best deal available to you.
Duxbury – The Mortgage Broker Chorley Residents Deserve
On the face of it, the mortgage process is straightforward ie obtaining a loan and paying interest on it. But choosing a mortgage is perhaps the most important financial decision you could make in your life. That’s why it is so important to determine which kind of deal is best suited to your needs. And a good mortgage broker will not only help save you time and potentially money but also provide you with the peace of mind that you have made a sound financial decision.
The Options Mortgage Brokers In Chorley Assess For You
Repayment & Interest Only
A repayment mortgage involves the gradual payment of the money borrowed over a set period of years eg 25 or term as it’s known. One monthly payment is made part of which goes toward paying the interest off and the other part goes toward repaying the money borrowed. At the end of the payment term, the full loan amount is repaid as long as the monthly payments have been made in full every month.
An interest only mortgage as the description suggests involves paying off the interest due on a loan. It doesn’t pay off the capital sum borrowed. Additional arrangements need to be organised to pay back the capital amount due at the end of the mortgage term. Such arrangements typically involve investments in stocks and shares and ISAs.
Fixed Interest Rate
As the name suggests, the borrower will pay the same rate of interest for the initial fixed term of the mortgage irrespective of the regular interest rate changes in the open market.
Variable Interest Rate
There are 2 types of variable interest rate products: discount mortgages and tracker mortgages. With discount mortgages, a borrower would pay a lender’s standard variable interest rate and have a further amount fixed amount at a discounted rate. So if a lenders standard variable interest rate is 3.75% and the mortgage product is available with a 1.00% discount, the borrower would pay 2.75%. Tracker mortgage products allocate part of the interest rate which fluctuates based on the prevailing Bank of England “base rate” and the remaining amount of interest based on the amount available under the tracker mortgage offer. Eg .25% base rate plus 3.25% making the total interest payable 3.5%
Standard Variable Interest Rate
This option involves individual lenders setting their own standard variable rate or SVR for short. Lenders establish their interest rates at any level they wish and not linked with Bank of England “base rates”. Your mortgage broker should point out that lenders can change their rate up or down at any time, meaning corresponding payment are likely to go up or down as well.
Duxbury Mortgages are the kind of mortage broker Chorley residents deserve!