Mortgage Broker Glasgow

Do not risk having your mortgage declined - prevention is better than cure

Prevention is better than cure. For sure, you have no plans to confront rejection, and for that, you need to work on some preventive measures.

Here is how you can avoid the decline of mortgage-

• Keep the debt-to-income ratio on the idol stage – This is another factor that affects your chances of qualifying for loans. There are two idol ratios in this concern, 60:40 and 70:30. In case of bad credit situation, the 70% income and 30% debt is the idol one, and 60/40 is less promising, and you cannot go below this. The best thing is to keep the income outgoing calculation to 80:20, but it is the idea of the minimum acceptable level.


• The financial behaviour of last 6 months should be spotless – You need to pay all the bills, debts, expenses on time in the previous 6 months before you apply for the mortgage. It helps us find the lender easily without any questions on the efficiency of personal finances.


• Apply to only relatable lenders through a broker –Rejections by multiple lenders can severely affect your credit rating, besides many search footprints made due to credit score perusal is another severe issue. With a broker, all these concerns get a precise and perfect solution. They find you the lenders with better chances of providing you with acceptance on the loan application.

With the above tips, you can prevent rejection on your property loan application no matter whatever location you belong to in Glasgow. Practical ways are always effective irrespective of weakness on the financial part.

How much does it cost to use a broker?

To be actual and rational, the cost of using a mortgage broker in Glasgow depends on how it takes its payment. Some brokers make the fee from the borrowers while some take their share from the lenders only. We are the latter one. For you, Shine Mortgages is fee free of cost as we charge our brokerage from the lenders only. We ensure a smooth experience for our borrowers and for that, we solve their prime concern that is fee and charge. We know how relieved you feel as a borrower when the broking services are available free of cost. Unlike us, those brokers that charge their fee from the loan applicants may charge in any of the popular ways - Fixed price, Hourly rate, Commission or a Percentage of your mortgage.

Our mortgage illustration document clarifies the following points after a deal is final

We provide you a detailed document to ensure transparency in what we provide to you after a property loan is approved. The document contains all the necessary information about the mortgage deal you get through us -

In short, you get to know everything about your mortgage deal that comes through our panel. We need to deliver a solution to all the doubts of our customers. This document is the best tool for that.

Our guidance is for any mortgage

What type of customers do we assist?

We are very clear and borrower-friendly in this aspect. To be honest, no constraint stops us when it comes to the type of customers. However, to give you an idea, the following are the categories of the borrowers we serve.

• First-time borrowers
• Bad credit score people
• Single parents
• Self-employed people.

No matter whatever category you belong to you; Shine Mortgages is always there to assist you with the most suitable property loan deals.

Why Choose Shine Mortgages

We make sure that you get precise reasons to trust us. Below is a collection of the rational causes that can make a fund seeker rely on us.

Your discretion is the final word for us as we purely respect the concerns of the mortgage seekers. Your needs help us become better, express to us what you want, and we may prove worthy.

What we do for you

You are the axis of all of our activities. We keep your concerns as the magnet and reciprocate according to them only. Through the accumulation of multiple facilities, we bring you the best possible mortgage broking services in Glasgow.

We are always in a search to do something unprecedented for our customers, and the list above is destined to become longer in the coming days. Stay in our touch, and you will get new surprises every time. The ultimate goal is to make your borrowing experience smoother.

How is Shine Mortgages different from other mortgage brokers in Glasgow?

Our difference from the other choices available in the market has very rational reasons.

To be direct, we never leave you alone or unattended during all your mortgage tenure. Contact us anytime, and we are sure to show.

How to apply for a home loan with Shine Mortgages, a broker in Glasgow

‘Uncomplicated’ is the first word we would like to use for our procedures. Have a look at the ‘how to apply’ process, and it will prove that we are easy to understand on this part.

Visit our website

• Choose your desired loan type – mortgage/remortgage/buy-to-let etc.
• You will get on the page of related mortgages types
• You will see three options – 1) Apply now 2) Arrange a call 3) Mortgage calculator
• Click on the first one ‘APPLY NOW’ (you may also go on (2) & (3) if required
• Fill your personal details and click on ‘NEXT’ given at the end of the form
• Select the mortgage purpose and amount
• Selection property location and mention the property value and mention the construction type
• That is all!! You have successfully submitted your application and our representative will contact you in a short while

The complete process takes a few minutes, and before you make your breakfast or finish the evening snack, the things get done.

Shine Mortgages aims to become an all-in-one solution window for its borrowers in Glasgow. No change in the economic conditions of the nation can make us compromise in the quality we strive to provide the fund seekers. Less-than-perfect in the name of service is not acceptable for our strategy.