• Market-Wide Access
- Thousands of Mortgage Products: Access to a wide range of lenders—including high street banks, building societies, and specialist providers—to find a deal that fits specific financial circumstances and goals (e.g., first home, remortgaging, buy-to-let investment).
- You may have to pay an early repayment charge to your existing lender if you remortgage.
- Personalised Recommendations: Every recommendation is based on a full understanding of the individual’s income, credit history, and property plans, ensuring the most suitable options—such as fixed-rate, variable, or interest-only mortgages—are presented.
- Specialist Mortgages: Support is also available for complex needs, including buy-to-let, commercial, or self-employed mortgages, which may require tailored criteria and documentation.
- Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
- Commercial Mortgages are arranged by introduction only.
• Application and Process Management
- End-to-End Guidance: The entire mortgage process is managed—from the initial consultation to completion. This includes handling paperwork, liaising with lenders, estate agents, valuers, and solicitors, and providing regular progress updates.
- Ongoing Support: Continued advice is available after the mortgage is in place to ensure it remains suitable, especially when considering rate switches or remortgaging.
- You may have to pay an early repayment charge to your existing lender if you remortgage.
• Insurance and Protection Products
- Comprehensive Cover Options: A range of products such as life insurance, critical illness cover, income protection, and home insurance are considered to protect both the property and its owners.
- Tailored Solutions: Policies are selected to align with individual mortgage arrangements and personal requirements, offering long-term protection and peace of mind.
- As with all insurance policies, conditions and exclusions will apply.
• Customer Support and Accessibility
- Flexible Appointments: Consultations are available in person, by phone, or online, with the option to meet at home, work, or another convenient location.
- Free Initial Consultation: An initial, no-obligation conversation helps understand needs and explore potential options. No upfront cost is required, though a typical fee of £495 is payable upon submission of a mortgage application.
- Clear, Transparent Communication: Mortgage terms, potential risks (such as repossession), and associated costs are clearly explained—often with personalised illustrations to aid understanding.