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Mortgage advice

A tailored mortgage advice service

Securing a mortgage that is suited to your needs can be a complicated process.

There is more to consider than simply getting the best interest rate when looking for a mortgage. Depending on your individual circumstances and objectives, you will have different requirements. We can help by providing mortgage advice that ensures you find a suitable financing option that is aligned to your long-term goals.

Our Mortgage Advice Service goes beyond simply researching the best rates for you. We have a fully-advised, telephone-based mortgage broking service that meets your needs in a flexible manner. We also specialise in buy-to-let and offset mortgages.

Who we work with for mortgage advice

From first-time buyers climbing onto the first rung of the property ladder, to experienced buy-to-let landlords refinancing their property portfolios, our team have experience working with individuals and families with a wide range of circumstances and needs.

First-time buyers

Buying a home is likely to be one of the largest single investments an individual makes in their lifetime, and combined with high house prices and tough affordability checks, getting onto the property ladder is more difficult than ever.

We understand and support first-time buyers' needs. We can advise on how much you can borrow, how much deposit you will need, as well as the types of mortgage and protection policies available.

Existing homeowners

If you're planning on buying a new property, or remortgaging your existing home, we can help. We can advise on where you stand financially and work with you to find an appropriate mortgage deal to help you take the next step.

Whether you're looking to upsize, restructure your debt, or increase your mortgage borrowing to fund home improvements, we know what to consider and can help give you the peace of mind that you are getting the best deal.

Self-employed professionals

The number of self-employed professionals in the UK has been growing steadily in recent years, but it can still be challenging and complex to secure a mortgage if you are self-employed.

We understand the evidence of income and additional paperwork you may need to provide along with a mortgage application, and have experience working with sole traders, partners, contractors and company directors to search for the right financing.

Buy-to-let landlords

Our service is not limited to your own home - we can also arrange lending on investment properties; from student lets and family homes, to high-spec apartments for corporate executives.

If you have an existing property to let, or a property portfolio to refinance, we have the expertise and knowledge to help you find the best lender for your needs and objectives.

How we can help

Our experienced mortgage advisers provide a service that can save you time and help to secure your financial future. We provide you with clarity and confidence at each step of the mortgage process.

  1. Consultation

    A complete review of your financial circumstances, plans and objectives. Completed over the telephone, making it quick, easy and convenient.

  2. Research

    We complete a comprehensive review of the market, using our expertise and knowledge of lender criteria to find the most appropriate deal for you.

  3. Recommendation

    We'll provide a personalised mortgage recommendation and spend time answering any questions you may have.

  4. Application

    We will prepare and submit the application for you, to save you the administrative and time burden.

  5. Ongoing care

    We are always at the other end of the phone should your circumstances change, and we'll contact you in good time to renew your mortgage before any preferential rate ends.

Why work with us?

Our long-standing experience in providing mortgage advice means we can help with even the most complex of circumstances. If you are self-employed, have irregular income streams, or have other unique needs, we will work closely with you to find a solution that fits.

Your mortgage adviser will research the market to find the mortgage that is right for you. We are completely independent of any lender, but have relationships with those who understand the differing circumstances of our range of clients.

We will manage the entire process, from completing an application to contacting you in good time to renew your mortgage.

As our client, you can rely on:

  • A service designed to provide you with clarity and confidence in your financial future
  • Our commitment to put your interests first and provide a truly individual service tailored to your specific needs
  • The peace of mind that comes from understanding and feeling understood
  • Strong administrative support with a focus on first class client service

Our mortgage advisers work closely alongside our qualified financial advisers. This means that if you want to look at your wider financial plans at the same time as purchasing a property, they can work with you to make sure you are on track to meet your future goals.

Mortgage Advice Service brochure
More information on our mortgage advice service

The value of investments can go down as well as up and could get back less than you invest. Past performance is not a reliable indicator of future performance.

Tax benefits depend on individual circumstances and tax rules are subject to change.

Your home may be repossessed if you do not keep up with repayments on your mortgage, or other loan secured on it.

You should be aware that not all buy-to-let mortgages are regulated by the Financial Conduct Authority (FCA). This means that if you choose to take up such a mortgage, you will not have the means of redress offered for regulated mortgage contracts in the event that you should have any complaints.

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For more information about our Mortgage Advice Service call us. Calls may be recorded.

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