Pointing you in the right direction
Sometimes you just want to know how much you borrow and what your payments are going to be. Or maybe you would like to know what the costs involved are and how long the process will take. If you have questions, we have answers.
The customers we help are usually:
- First time Buyers
- Moving House
- Remortgaging
- Purchasing a Buy to Let
- May have adverse credit
- Unusual and non standard mortgages
If you’re unsure whether you can get a mortgage, we may be able to help you. We have put a handy tool together to help explain if we can get you a mortgage or not. We’re also fully qualified, authorised and regulated by the Financial Conduct Authority (FCA) to provide mortgage advice and brokerage services. Check our credentials.
Why use an Independent Mortgage Broker?
Having a long-standing relationship with your bank or building society can feel safe and familiar, but there are many good reasons to consider independent mortgage advice:
- A wider choice of mortgages - not only do you get to see all the mortgage deals on offer from the high street banks, but you also get to see other deals that aren't available directly to the public. This can make it easier to meet the lenders criteria and secure an offer, or provide a better interest rate, saving you thousands of pounds over the long term.
- The right mortgage for you - Most importantly, we pride ourselves on understanding your situation, and finding suitable options for you. For some people, this is simple, but if your property situation includes words like "CCJ", "Thatched Roof", "Annexe" or "Self-employed", you might find it tricky to meet some lenders criteria. We have an intimate knowledge of which lenders are happy to provide mortgages for specific types of circumstances and situations, and can help you secure a mortgage deal.
- A simpler process - Buying and selling property can be stressful at the best of times. By letting us search the market for appropriate mortgages, present options to you and manage the application process, we can take some of that stress away. This can also speed things up.
- Beyond the mortgage - So we've got you a great mortgage deal, but have you considered how you would continue to pay it in the event of Death, Critical illness or a long-term inability to work? It's not pleasant to think about, but strong insurance cover can give you peace of mind that you wouldn't default on your mortgage if times get tough. We can also provide a range of suitable insurance and protection policies.
- Fully qualified - We're authorised and regulated but the Financial Conduct Authority (FCA) to provide mortgage advice and brokerage services. You can check our credentials on the FCA Register.
- You're protected - When we give mortgage advice, we have a duty of care to you. In the unlikely event something goes awry, you have access to the Financial Ombudsman Service or the Financial Services Compensation Scheme.
We offer a range of services
Mortgages
There are many different types of mortgage, we can help you find one that will suit you best and which ones you are eligible for.
Explore mortgage deals
Life Insurance
Losing a partner is devastating enough without having to continue paying the mortgage and all the bills in their absence.
Discover life insurance
Critical Illness Cover
Serious illnesses such as cancer, heart attack or stroke can bring significant financial challenges.
Get peace of mind
Income Protection
Statutory Sick Pay isn't enough for most people to cover their expenses in the event they can't work for an extended period.
Keep your income stable
Home Insurance
For most people, their net worth is tied up in their property. This makes home insurance the most important insurance claim you will make.
Protect what's yours
Will Writing
A clear will is the best way to make sure your wishes are clear, your assets are properly divided, and your loved ones provided for.
Make your wishes known
Ready to take the next step?
It’s simple really – the best way we can help is to have a quick conversation, and understand your situation and what you want to achieve. We’re not pushy or sales-y, so get in touch for a no-obligation chat. Who knows? We might be able to get you a great deal.