Our Service

We are a family business and pride ourselves on our traditional values; we combine our integrity with a personal touch and always have our clients’ interests at heart.

Whilst you can walk down the High Street and see your local bank/building society for a mortgage, we can explore lots more options for you, from lenders who are not on the High Street, which may mean we can identify other product options that better suit your unique circumstances. There are some great products that you won’t find on the High Street as these deals are only available via Mortgage intermediaries. Our job is to ensure we find the mortgage most suited to your circumstances.

Which Mortgage providers do we use?

We are able to offer mortgages from a comprehensive range of mortgage providers from across the market. This gives us the flexibility to be able to provide a client with a mortgage from almost any provider without influence or bias. Our advice is based on which mortgage is best for you rather than what  is best for the lender or our business.

We provide an in-depth service that allows us to consider every factor that makes your mortgage the most appropriate deal for you and your circumstances,  not for us.

 

Tailored Approach

Our overall aim is to take the stress away from you, as we do all the research, which will save you valuable time, we will liaise with Lenders, Estate agents as well as solicitors for you, to ensure that all parties are kept up to date and your transaction runs smoothly.

We often work with clients who are looking to purchase a property but don’t know what they can afford to look for. We will calculate their overall affordability, deposit requirements and their likely costs, so we can manage their expectations. Armed with this information, they can start to look for properties that are within their chosen budget. We are honest regarding this budget and try to forecast any increases in interest rates (based on the variable rate at the time) after your initial rate has finished.

There is nothing more rewarding when you receive the call from your client to say that they have picked up their keys to their dream home, or that the new arrangements has helped them achieve their dreams.

Award Winning

Our team works hard on behalf of our clients, we care about each and every client that chooses us which in turn has resulted in our company winning numerous awards and nominated for many others. We are proud to have won the prestigious Equity Release Awards for 2 years in a row.

However, awards are not why we do what we do, put simply, we care about our clients.  We will never advise a client to proceed with a mortgage or equity release if we don’t feel that it is in their best interest.

Helping our clients with a personal approach and making their needs the centre of our attention will always be the main focus of our procedure, and if that helps us to win awards by helping others then we hope to win many more in the future!

Equity Release Specialist

A specialist area that we provide is equity release. In the past, this sector has been labeled with a poor reputation but this has changed with tighter regulation and lifetime mortgages now falling under the remit of the Financial Conduct Authority. Many lenders are now signed up to the Equity Release Council which now ensures that lenders follow a voluntary code of conduct that provides a number of guarantees

Our team are specialists in Equity Release and providing lifetime mortgages, we offer a variety of options for our clients and believe in helping people and not hindering them. We offer a full financial service to help our clients release money from their homes for many different uses, but most importantly we invest out time in every single case and won’t provide any product unless we are 100% sure it is right for that particular person.

Help to Buy Specialist

Purchasing a home for first-time buyers is getting increasingly more difficult due to many economic factors, but the UK Government are providing Help to Buy schemes which will help more individuals to get onto the housing ladder. Our team is aware that future generations need help getting a property so they can secure their future, so we are investing our time and specialism in helping clients with advice on every aspect of these schemes.

We have worked with several clients on this scheme and go beyond what most advisers will do. We complete all the paperwork to submit to the Help to Buy agency, who have to approve that the borrower/s meet the criteria. We will liaise with the builders and obviously the mortgage lenders to ensure that the transaction is as smooth as possible.

We know how hard times can be for clients who can’t afford to buy outright and advising them on the Help to Buy mortgages or Help to Buy ISA is important to our future as well as theirs.

Call us today to discuss your needs
or send us your enquiry