Look closely, and you will see green shoots in the garden and in the hedge rows. The days are getting longer. Spring is almost here! With the optimism that spring heralds; thoughts turn to the year ahead, our hopes and aspirations.

Are you considering moving home in 2011, or possibly buying your first home? Maybe you have a mortgage and are worried that interest rates might increase? According to the Council of Mortgage Lenders, mortgage brokers introduced 66% of all first-time buyer mortgages and over half of all other mortgages in 2010.

Time and time again we see clients who have previously made the mistake of believing loyalty to their bank or building society will save them money; we often prove that this is not the case.

For those looking to move or re-mortgage, we understand that some homeowners are faced with little or no equity in their home. It’s still worthwhile taking some advice. Your current lender may not be your best choice and may not even lend to you.

The mortgage market can be a confusing and daunting prospect. Consumers need help and support when searching for a suitable product. This is where mortgage brokers excel and add value. We are adept at matching a borrower with a lender, potentially saving time and money for both parties.

The busy start to the year reported by estate agents indicates that many first time buyers feel that 2011 is a good time to step onto the property ladder. There are 50% more mortgages where a 10% deposit can be used compared to the same time last year.

Some lenders will even accept part of the deposit being paid by the seller or New Home builder to help people realise the initial down payment they need to buy a property.

Owing to the persistent negativity of the media, many buyers feel that they have few choices. An appointment with Oak Tree Mortgages could help you save money, or take your first steps towards home ownership.

Oak Tree Mortgages are a whole of market mortgage broker and can be contacted via Heritage Estate Agents. Call us today on 0121 443 5900 via Heritage.

Oak Tree Mortgages is authorised and regulated by the Financial Services Authority Your home may be repossessed if you do not keep up repayments on your mortgage

Issued by Oak Tree Mortgages, 372 Stratford Road, Shirley, Solihull B90 4AQ