Looking for Mortgage and Protection Advice?
Make sure your future is secure
What is Mortgage & Protection?
Buying a home is likely to be the biggest financial commitment you make in your lifetime, which is why receiving quality advice is crucial. Setting up a mortgage isn't something you do regularly, making it challenging to stay updated on mortgage products and processes like an expert can. With numerous products, varied personal and income circumstances, and diverse property types to consider, the options can seem overwhelming.
Our service is dedicated to helping you achieve your dream. We alleviate the stress of determining the best course of action by asking the right questions to understand your needs. We compare mortgages from across the market, recommend the most suitable deal, and assist with the setup process. Our approach begins with a comprehensive understanding of your situation, encompassing your priorities, future plans, and financial constraints. We tailor our recommendations to align perfectly with your needs, leveraging our expertise to identify the most suitable solutions from the entire market. This includes not only mortgage options but also comprehensive protection advice to safeguard your financial well-being.
Once we've identified the ideal solutions, we handle the entire application process on your behalf, aiming to streamline the journey for you. From submitting paperwork to liaising with lenders and providing guidance on protection devices, we manage it all to ensure a smooth and efficient experience.
How We Can Help You
First-time buyers
Maybe you need to know what you can borrow and what deposit you will need? Or, you aren’t sure what the other costs involved in buying your first home are and would like some helpful hints and tips to put you in the best possible position when applying for a mortgage?
House movers
Do you want to move home to be closer to your family or work? You may need more room for your growing family or something smaller now the kids have left home.
Specialist finance
Maybe you want to purchase a commercial unit or business – anything from a pub - to a shop - to an office? Or you need to borrow money for a short period to buy a new home, to ‘bridge the gap’ before selling your current one?
Specialist finance can cater for many situations and we have access to a comprehensive lending panel for this type of alternative finance – so whether you’re looking for bridging loans, second charge loans, commercial and development finance – we can help.
Buy-to-let
Are you a first-time landlord or a landlord who has built a property portfolio? Are you looking to buy a new property to let, or is a deal on your existing buy-to-let mortgage ending soon?
Please be aware that the FCA does not regulate buy-to-let mortgages
Equity release
Are you aged 55 or above and looking for a way to unlock part of the value of your property and turn it into a cash lump sum… with absolutely no worry of having to move?
Re-mortgage
Is your deal coming to an end? Do you need to borrow additional funds for home improvements or paying off other debts? We may be able to help you to save money on your mortgage by transferring it elsewhere.
Our Method
1. Getting to know you
What are you trying to achieve?
We initially offer a free, no obligation consultation to make sure we really understand what your goals are and what is important to you. We will also talk to you about protecting yourself and your family in case things go wrong. Death or long-term illness doesn’t have to mean your home is at risk and with the right protection to cover you and your family, you can stay in control of your finances.
3. Choosing your mortgage
Presenting our research and choosing the right option
We’ll be there for you every step of the way to ensure your mortgage application completes as smoothly as possible – managing the paperwork, liaising with the relevant parties, securing your offer and sharing the news that your mortgage has completed.
2. Researching your options
What is the best deal for you?
Once we understand what your dream looks like, we'll pave the way to get you there. We have a wealth of experience in dealing with different lenders and matching the right solution to the right person. Once we’ve completed our research, we'll present you with our recommendation – we’ll explain why this is the most suitable solution for you and your mortgage needs.
4. Future follow up
Making sure you're always getting the best deal
Our service is built on developing long-term relationships. We’ll contact you at key stages of your mortgage, including before your deal is due to end. We understand how important it is to regularly review your situation and not only secure the best deal at the start of your mortgage journey, but for the many years that follow.
Why choose us?
When considering who to trust for your mortgage and protection requirements, our standout feature is our personalised service. We pride ourselves on guiding you through the entire process, from the initial consultation right through to the completion of your arrangements.
With us, you're not simply a client; you're a valued individual with unique goals and circumstances. We tailor our advice and support to ensure your journey is seamless and successful.