Borrowing money can be a daunting process, even for those who've been through the hoops before.

Lending companies come and go, interest rates seesaw overnight, personal circumstances change. How do you choose between those many lenders vying for your business with rival rates? Are all equally reliable? What might be hidden behind those too-good-to-be-true rates? What happens if you want to refinance, or suddenly find yourself able to repay your loan in double quick time - can they accommodate that? And what about other lending needs…a new car, a special holiday, a temporary loan to get you over a 'sticky' patch….

That's where a lending broker like Cole Murray Group can help. As specialist lending brokers, its mortgage advisers know the market. They deal regularly with at least 13 mortgage companies, national and international, so they know where to go to secure the best rates and loan structure for each client's needs.

They'll sort through the nitty-gritty of small print, the complicated conditions, endless options, often providing substantial savings on those available from 'high street' lenders like banks. And better still, their service is free.

The Options

Home loans

Most people dream of owning their own home, of the day they can invest in their own patch and stop lining a landlord's pockets. But faced by the chore of finding finance, that dream can seem a long way off.

Cole Murray's advisers know all that and more than just hard-headed number-crunchers, make it their role to help people secure their life dreams by providing a trouble-free lending service that takes care of all aspects of the process.

Getting a first foot onto the property market is often the most difficult step, so they begin by easing the way with step-by step guidance through the buying/ownership process and offering access to 105 percent mortgages.

As experienced negotiators, they can help both new and seasoned buyers secure the best deal available, often having the client's own bank improve its offer via discounted rates and contributions to legal expenses.

With the resources of an international portfolio of mortgage companies to call on, there's finance for every type of home lending right from pre-qualified mortgages to make sure no one's dream will slip from their grasp before they're fully prepared, to….. ???? second loans and refinancing?????

Help for existing home owners: special loans, restructuring…

As needs and aspirations change through life, Cole Murray's advisors are there to help.

They'll assist mortgage holders who find they're paying higher rates than those other lenders now offer, they'll review a borrower's entire lending picture, restructuring a hotchpotch into a single loan at a lower rate and freeing up cashflow, and they have access to funds for special purchases - a car, a holiday or other new dream.

Money-savers: fast mortgage repayments

No-one likes money going down the drain in interest, least of all Cole Murray Group's advisers, so they specialise in debt reduction programmes offering borrowers opportunities to take advantage of modern fast-repayment mortgages and save themselves potentially thousands.

Property investment

With its wide range of contacts in the lending sector, Cole Murray Group offers a range of finance options for property investors ranging from those with a single rental to seasoned investors with multiple properties.

Help with a poor credit history

There's no need to let a few past bad credit hitches stand in the way of a new home ownership dream, or tolerate a provider whose putting on the pressure and causing undue stress. Cole Murray Group can sort out the muddle and provide access to lenders who specialise in such situations.

Mortgages for the self-employed

Self-employed people often find their needs poorly understood by mainstream lenders with an inflexible 'red-tape' approach. Some for instance demand the last two years' accounts before providing finance, causing potentially costly delays for business owners as they work to remain competitive.