We appreciate that our clients are individuals with varying requirements and different personal and financial circumstances and we appreciate that deciding on the right mortgage for you can be a daunting experience. Every mortgage lender is different, they all have different criteria, they lend different amounts, they treat income and commitments in different ways and they have different rules for certain types of property. We will guide you through the maze of options available to you. We regularly see people who have been turned down by their own banks or offered insufficient loan amounts or uncompetitive products, yet we are able to help.
Mortgage Services
First Time Buyers
Buying your first home can be daunting as well as exciting, so we are with you from your initial enquiry, right up until that moment when you pick up the keys to your new home. We will go through the costs of moving with you, we will discuss the available options and products and we will recommend the most suitable mortgage, tailored to your individual circumstances. We will also liaise with your solicitor and estate agent to ensure that the whole process runs as smoothly as possible. We aim to make the process as stress free as possible for you.
Moving Home
Whatever your reasons for moving home, be it a larger or smaller property or just a change of scenery, we are able to provide a tailor made recommendation to suit your specific requirements, even if you need to stay with your existing mortgage lender. We will advise you on all options and choices available to you.
Remortgage
Nobody wants to pay more than they need to for their mortgage. If your current mortgage rate is due to expire or has expired or you need some money for home improvements, to buy a car, school fees or to consolidate some debt. Whatever the reason, we will explore all options, including those available from your current lender so that you can be confident that you are getting the best possible advice.
Self Employed
Whether you are a sole trader, a partner, a company director or a contractor, different lenders will use different elements of your income in different ways. Some lenders average income, others may use the latest year. Some will use retained profit, others will not – the combinations can seem confusing! We know exactly how lenders will assess your income and we can help you get the right mortgage for your circumstances.
Buy To Let
Whether you are looking to purchase your first investment property or remortgage a whole portfolio, we can help.
​
Buy to let mortgages can be confusing, even to the experienced landlord, as lenders and their criteria vary greatly as do their charges. We can save you time, money and a lot of effort by making use of our specialist knowledge rather than trying to research this yourself. Some Buy to Let lenders will not deal directly with the public and also, as part of a large network, we often have access to exclusive mortgage products.
Mortgage Process
First Appointment
1
This appointment is FREE and without any obligation. After this initial meeting we will inform you if we propose to charge a fee and if so, will gain your agreement and instructions to proceed. We will discuss your current circumstances with you and what your aims and objectives are. We will advise you on what information and documentation you will need to provide. Take this opportunity to ask any questions that you have.
2
Research
After our first appointment together, upon receiving your instructions to act for you we will conduct our thorough research to find the best provider and products to meet your requirements. Once we have concluded our research we will arrange a second appointment with you to discuss our recommendations.
3
Recommendation Appointment
At this appointment we will discuss our recommendations with you and explain the products, the product features and how they meet your requirements. We will be happy to answer any questions you have in order to ensure you fully understand and are happy with our recommendation before you decide to proceed.
4
Application Stage
We will help you complete any applications and will submit these to providers on your behalf along with any documents they require to support your application. You will have one point of contact throughout this process and we will keep in regular contact with you to keep you fully informed throughout. We are happy to liaise on your behalf with any third parties, such as estate agents or solicitors. You can of course contact us whenever you want with any questions or if you need any advice on any related matters.
Whatever your circumstances and mortgage requirements, let us do the hard work for you, saving you time and money and ensuring you get the best mortgage to suit you.
We normally charge a fee for mortgage advice, however this will be dependent on your circumstances. Our standard fee is £299.
​
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
The Financial Conduct Authority does not regulate most Buy to Let Mortgages.
The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
