Let’s talk. We’re happy to answer your questions on solicitors, surveys, how much stamp duty you’ll pay… we’re happy to explain it all.
- Is MAPIO a broker?
Yes. A mortgage broker looks at thousands of mortgages. At MAPIO, we see more deals and look at more options than a tied broker or a broker working from a small or restricted panel of lenders. We work from a comprehensive panel which is representative of the whole of the market.
- How does MAPIO Financial work?
You can either come in to our offices here in the centre of York and we get the ball rolling straight away (we’ll need your ID if you’re a new customer), or we can get things moving over the phone or online. Whatever’s easiest for you.
Give us the details about your income and outgoings. We’ll research hundreds of mortgages, see what’s available, and make the application with you.
At the same time, we’ll walk you through appropriate financial safety-nets for that mortgage – the protection we recommend that will make your home a happy one. We do get a fee and commission.
- What else does MAPIO do?
We’ll never try to hide the fact, we’re here to help you find the perfect combination of the right mortgage (for your home) AND great protection (for your happiness).
Typically, that may include life assurance, critical illness or income protection and home insurance. We believe every mortgage broker should do this.
It’s a sign that you’ll get what you need to know from us at every step, and that we care about the next steps too.
- Is MAPIO's team qualified?
Yes. All of our advisors hold recognised qualifications such as a CeMAP (ifs School of Finance Certificate in Mortgage Advice and Practice) or Cert MA (Chartered Insurance Institute Certificate in Mortgage Advice).
- Do you offer any guarantees?
Yes. You can check this by looking at the FCA register. We’re regulated by the FCA (Financial Conduct Authority).
That means you’ve got real peace of mind, knowing that – heaven forbid – you’re not happy with the way we work for you, a strong complaints and compensation procedures is in place. We also have professional indemnity insurance in place.
- Do I have to buy protection from MAPIO?
Most of us would buy pet insurance without thinking twice. After all, if there’s a vet’s bill to pay, then the insurance policy will cover it. So what’s the difference between your dog – and your home?
Having mortgage protection in place takes some of that stress away. We can explain how it works, in detail.
- Can you tell me how much I can afford?
Yes. Lenders will judge your affordability based on your income (including commissions, bonuses and overtime), against your outgoings. But our Mortgage Specialists can tell you which lenders’ affordability criteria you’re likely to meet from day one.