Our Service
and fees
A mortgage is very possibly the biggest financial decision that you make, so seeking professional advice makes perfect sense to ensure you are in the right hands and that your mortgage decision is an informed one with all options carefully considered.
An important decision…
your choice of Adviser
We feel the best approach to choosing your perfect Mortgage Adviser (sometimes also called a Mortgage Broker) is to talk to the adviser first – maybe even speak to a few to compare – and see whether you get on with them and trust them.
Our role as your Mortgage Adviser is to help match you to the right mortgage lender and product for your circumstances by advising you and arranging the mortgage. We start at the beginning with getting to know you, research your options, then take care of the whole process by supporting you all the way through to completion.
We are happy to say that we are fortunate enough to have many longstanding clients who come back to us time and time again to look after all future mortgage related needs, we would love to build a long standing relationship with you too.
We know how important your home and mortgage are – and whilst we honestly think we have something special to offer you – don’t just take our word for it. Please have a look at what our valued clients have to say about working with us…
Why Choose Us?
We are Whole of Market
We have access to a wide range of lenders, so we can find the most suitable mortgage for your needs. There are 3 main types of mortgage broker, some only offer a limited set of deals, some are tied to specific lenders and others are whole-of-market. Also, if you go directly to a bank/building society, they’ll only tell you about their limited product range.
We are Experts
Our in-depth knowledge and expertise in the market, gained from many years in the industry, can help to research and find you the most suitable mortgage available to your specific circumstances.
We save you time
Believe us when we say, there really is a lot of paperwork and other admin tasks involved in arranging a mortgage, which can be very time consuming, we help with a lot of the work for you making everything a smoother, quicker process and really saving you so much of your valuable time.
We save you money
We have exclusive access to some mortgage deals (that you won’t have access to if you look yourself) which could save you a large amount of money.
We are flexible
We offer phone calls, zoom video calls, face to face meetings at our headquarters– or a combination, whatever suits you best.
We are Regulated and Qualified
We are authorised and regulated by the Financial Conduct Authority – for your peace of mind.
We are fully qualified with Certificate in Mortgage Advice and Practice (CeMAP).
Purchase
Buying a new property- Initial phone call free with no obligation
- £795 due before mortgage application
- £700 due once mortgage offer received
- No VAT applicable
- Non-refundable
- Payment by bank transfer, PayPal, credit or debit card (we will send an invoice)
Remortgage
Changing mortgage lender- Initial phone call free with no obligation
- Full fee due before mortgage application
- No VAT applicable
- Non-refundable
- Payment by bank transfer, PayPal, credit or debit card (we will send an invoice)
Equity Release
Also known as Later Life Lending (Age 55+)- Initial phone call free with no obligation
- £995 due before mortgage application
- £995 due once mortgage offer received
- No VAT applicable
- Non-refundable
- Payment by bank transfer, PayPal, credit or debit card (we will send an invoice)
Product Transfer
Remaining with the same lender but changing products- Initial phone call free with no obligation
- No VAT applicable
- Non-refundable
- Payment by bank transfer, PayPal, credit or debit card (we will send an invoice)
Further Advance
Remaining with the same lender but borrowing more- Initial phone call free with no obligation
- No VAT applicable
- Non-refundable
- Payment by bank transfer, PayPal, credit or debit card (we will send an invoice)
Product Transfer & Further Advance
When doing both at the same time- Initial phone call free with no obligation
- No VAT applicable
- Non-refundable
- Payment by bank transfer, PayPal, credit or debit card (we will send an invoice)