We track rates after your offer
Unlike your bank, we keep watching rates once your mortgage offer is in. If a better deal appears before you complete, we can act on it.
Why use a mortgage broker
What We Do
Your broker does far more than find a rate. Here is what City Mortgage Solutions does for you behind the scenes, from your first conversation to the day your deal ends.
Getting you the right deal
Expertise your bank can’t offer
We compare more than 90 lenders and use what we know about rates, criteria and timing to get your mortgage right.
We hear about rate changes early
Lenders notify us before rates are withdrawn, and we have the data to see whether they are rising. That means we secure your rate at the right time.
We maximise your borrowing where needed
We use lender affordability calculators and stress modelling to find out who will lend what you need.
We know lender criteria
Getting the application right first time saves time and avoids the delays that can break a chain or cost you the property.
We present self-employed income properly
Share of net profit, tax calculations and tax year overviews can be treated very differently by lenders. Presented the right way, they can make a big difference to how much you can borrow.
We monitor swap rates daily
Swap rates show the direction future mortgage pricing is likely to take, so we watch them every day.
We have excellent lender relationships
When a case is urgent, our relationships with lenders help us move it through quickly.
Taking the work off your hands
We do the hard part for you
Once we have found the right mortgage, we manage the process so you can get on with your move.
We handle the paperwork
We take care of the administration and processing of your mortgage, saving you time and stress.
We present you in the best way
We put your application to the lender in the best way possible, for the best chance of success.
We keep you ahead of your rate ending
We diarise the end of your preferential rate so you have a new deal ready and avoid rolling onto a high standard variable rate.
We are FCA authorised
We are authorised by the Financial Conduct Authority to give honest, impartial advice, for your protection.
We keep our knowledge current
Our advisers complete required tests every year to maintain and build their product knowledge.
We wait on hold, so you don’t
We are often on hold to lenders for hours about your case, so that you do not have to be.
We take the stress
From first conversation to completion, we take the stress so you don’t have to.
Ready when you are
For an informal and confidential chat
Speak to your adviser directly, or message us and we will put you in touch with the right person.