Residential Mortgages

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We offer:

1. Free first consultation.
2. Search whole of market including direct to lender rates.
3. Lender comparison service- checks not only rates but also costs
4. Check criteria to identify that lender will advance the loan.
5. General advice on dealing with the lender, estate agent and solicitor.
6. Continuous advice and help until the mortgage is competed.


Why use an Independent Financial Advisor for your
mortgage?

1. An Independent Financial Advisor works for you and not for the
estate agent, seller or the bank.
2. We will compare rates from all lenders in the market.
3. Obtain special deals.
4. Advise is monitored and regulated by the Financial Servics Authority
(Reg no 190855 – www.fsa.gov.uk).
5. We compare both rate and fees – unlike price comparison sites.
6. Personal one to one advice throught the house buying process.
7. Advice on life cover, income protection and financial overview
given at same time.
Lender comparison service.


First time buyers

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1. Not held a mortgage for before.
2. Free valuation and solicitor.
3. Income multiples from 4 – 5x.
4. Low deposit.
5. Government sponsored Help to Buy schemes.
6. Shared ownership property purchase.


Homemovers

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1. Those moving homes.
2. Free valuations and solicitor fees.
3. Low rates with low LTV.
4. Option to retain existing property as investment BTL.
5. Long term fixed rates.


Remortgages

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1. Remortgage for better rates.
2. Free valuations and solicitor fees.
3. Capital raising for refurbishing, debt repayment, investment property.
4. Option to retain existing property as investment BTL.
5. Long term fixed rates.


Buy to Let

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1. Residential property investment.
2. Up to 80% LTV.
3. Lenders with no income requirement.
4. Loan based on rental income.
5. Long term fixed rates.


Adverse credit

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1. Mobile phone defaults ignored.
2. CCJs over 24 months.
3. Defaults over 12 months accepted.