UK Independent. Sourced. Primary. · Est. 2024

Erb (Somerset) Ltd | Mortgage Brokers | Rochdale | Est. 2018

Erb (Somerset) Ltd is a mortgage brokers registered in Rochdale, established 2018. View company details, send a free enquiry and verify FCA status. Kaeltripton Financial Index.

Financial IndexMortgage Broker Index › Erb (Somerset) Ltd

Mortgage Brokers UNCLAIMED LISTING

Erb (Somerset) Ltd

Mortgage Brokers · Rochdale, Oldham · Est. 2018

8 years
Active Trading
Active
CH Status
11169132
Company No
2025
Accounts to

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Company Registration Details

Registered company nameErb (Somerset) Ltd
Companies House number11169132 →
Company typePrivate Limited Company (Ltd)
Registered addressChichester House 2 Chichester Street, OL16 2AX
City / RegionRochdale, Oldham
Date incorporated2018
Years trading8 years
CH statusActive
SpecialismRecorded activity: 82990 (other business support services)
Index statusClaim this listing →

About Erb (Somerset) Ltd

Incorporated in 2018, Erb (Somerset) Ltd is an established firm with 8 years of trading history. The company has built its practice during a period of significant evolution in the UK financial services market and continues to operate as an active registered company.

It is one of 19 mortgage brokers listed in Oldham on this index of 5754 UK firms in the category.

Authorisation is checkable free at register.fca.org.uk; an unauthorised firm cannot lawfully arrange your mortgage.

What Mortgage Brokers Do

A mortgage broker acts as an intermediary between borrowers and lenders, assessing your circumstances before recommending a product. The breadth of lender access differs between firms and shapes the range of products a borrower will actually see.

Cases that fail one lender's criteria frequently pass another's; mapping that terrain is the broker's value.

How to Choose the Right Mortgage Broker

Specialist knowledge of niche lenders is what separates firms when an application falls outside standard criteria. Before instructing, ask for the firm's scope of lender access and recent experience with your case type.

Most firms are paid a procuration fee by the lender on completion; some add a client fee, which must be disclosed upfront.

Frequently Asked Questions

Do I need a mortgage broker or can I go directly to a lender?
You can approach any lender yourself. What a broker adds is market coverage and criteria knowledge, which shows its value on higher loan sizes, complex income or previously declined applications.
How much does a mortgage broker charge?
Charging varies: lender-paid only, a flat client fee, or a percentage on complex cases. FCA rules require the model and amount to be set out upfront, so ask for it in writing at the first conversation.
What documents do I need to provide to a mortgage broker?
The standard pack covers ID, proof of address, three to six months of bank statements, income evidence appropriate to your employment type, and your current credit commitments; specific lenders add their own requirements.
How long does the mortgage process take when using a broker?
From application to offer is commonly two to six weeks with mainstream lenders, longer for specialist lending. A firm that manages the lender relationship actively can compress that materially.
Can a mortgage broker help if I have been declined by a lender?
Often yes. Post-decline placement is a recognised specialism: the task is matching your circumstances to a lender whose published and unpublished criteria accept them.

Other Mortgage Brokers in Rochdale

Baxters Of Lancashire LimitedRochdale · Est. 2011View →
Abm (Lancashire) LimitedRochdale · Est. 2004View →
Abm (Lancashire) Holdings LimitedRochdale · Est. 2007View →
East Lancashire Refurbishments LimitedRochdale · Est. 2023View →

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Important notice: Data on this page comes from the public Companies House register. Kaeltripton.com is an independent directory service, unaffiliated with Erb (Somerset) Ltd or any listed firm. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

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