Mortgage Calculator - How much can I borrow?

Shortlist

Adviser Categories

The advisers are nominated by mortgage lenders, chaired by the Editor of What Mortgage, Nia Williams. The top four in each category are posted on online, it is up to you to vote for the winner in each category.

The judging criteria used to create the shortlist

• Comprehensive pre-purchase information - clarity on the adviser; the level of service it offers; its remuneration methods

• Clear information - easy-to-read documents regarding the recommendations

• Service excellence - ensuring the client understands what they are recommending; making sure that the client is happy with what the adviser is suggesting; pushing through the mortgage quickly and thoroughly so the client moves quickly; keeping the client informed all the way through the process

• Commitment to customer care - easily accessible staff (including evidence of how they 'go that extra mile') and extensive staff training

• Not trying to force additional products on clients if they don’t want/need them

Best Overall adviser
Alexander Hall
John Charcol
Mortgages for Business
Chase De Vere

Best Buy-to-Let adviser
Landlord Mortgages
Mortgages for Business
The Buy-to-Let Business
The Money Centre

Best specialist adviser
Chase De Vere
Just Retirement Solutions
Mortgages for Business
The Buy-to-Let Business

Best Equity Release adviser
Hinton & Wilde
Home & Capital
Just Retirement Solutions
Key Retirement Solutions

Insurance categories
The providers are nominated by mortgage brokers, chaired by the Editor of What Mortgage Nia Williams. The top four in each category are posted on online, it is up to you to vote for the winner in each category

The judging criteria used to create the shortlist

• Comprehensive pre-purchase information - clarity on what the company does and areas of specialism

• Competitive products - extensive cover at affordable prices

• Clear information - easy-to-read policy definition and exclusions (no jargon)

• Service excellence - fast policy administration, claims handling and outstanding service levels

• Commitment to customer care - easily accessible staff (including evidence of how they 'go that extra mile') and extensive staff training

• Market-leading technology - benefits and how it enables the company to deliver outstanding products and service

• A well-executed marketing strategy - ie tactics used to enable companies to 'punch its weight' re; name awareness.

MPPI Only - cost per £100 of cover for a 20, 30 and 40 year old with a nil, 30 60 and 90 day excess

Best MPPI provider
Ant Insurance
British Insurance
Legal & General
Nationwide Building Society

Best Home Insurance Provider
Churchill Insurance
Direct Line Insurance
Hiscox
Paymentshield

Best Life Insurance Provider
AXA
Best Deal Insurance
Direct Line Insurance
Legal & General

Best Overall Insurance Provider
British Insurance
Direct Line Insurance
Money Supermarket
Paymentshield

Lender Categories

The judging criteria used to create the shortlist - You do not vote in this category

We calculated the winners of the best-value lender awards based on statistics provided by Network Data Limited.

The statistics show the total interest charged to an existing borrower with a £100,000 interest-only mortgage over the last five years (1st January 2003 – 31st December 2007 inclusive) using each Lenders’ Standard Variable Rate (SVR).

The original capital loan remains outstanding and neither increases or decreases throughout the period.

The performance figures have been calculated by computer based on the following rules:

- Gross performance has been calculated on a daily basis

- The rates used are for existing borrowers’ accounts

Best Adviser only Lender
Amber Home Loans
BM Solutions
First National
TMB (The Mortgage Business)
UCB Home Loans

Best National Bank
HSBC
Intelligent Finance
Scottish Widows
Standard Life
The One Account

Best National Building Society
Ecology Building Society
Harpenden Building Society
Holmesdale Building Society
Nationwide Building Society
Stafford Railway Building Society

Best Direct Lender
Egg
First Direct

Best Regional Building Society
Cambridge Building Society
Newbury Building Society
Penrith Building Society
Buckinghamshire Building Society
Cumberland Building Society

Lender Product Categories

The judging criteria used to create the shortlist - You do not vote in this category

The shortlist in the fixed rate, discount, offset/CAM, buy-to let, equity release and tracker product categories were taken from the best-buy data published in What Mortgage. Calculations are based on the true cost of £150,000 mortgage over five years using data supplied by Defaqto.

Buy-to-Let Mortgages
BM Solutions
Giraffe Money
Norwich and Peterborough Building Society

Discounted Rate Mortgages
Barnsley Building Society
Chorley Building Society
Loughborough Building Society

Fixed Rate Mortgages
Cheshire Building Society
Mansfield Building Society
West Bromwich Building Society

Lifetime Mortgages (Equity Release)
Commended: Just Retirement
New Life Mortgages
Stonehaven

Offset & Current Account Mortgages
First Direct
Intelligent Finance
Mortgages

Tracker Mortgages
Marsden Building Society
Nationwide Building Society
Yorkshire Building Society



For limited sponsorship opportunities please contact:
Mike Harrison, Sale Manager
T: 020 7827 5679
E: mharrison@ccplcemail.co.uk

To book your table and for further information please contact:
Seema Bheda, Events Manager
T: 020 7827 5458
E:sbheda@ccplcemail.co.uk