Mortgages

We offer independent mortgage advice on the best deals on the market, and advise our clients on all types of mortgage, including first-time buyers, home movers, re-mortgages, Buy to Let, and Equity Release Products.

Whether you are buying a new home or simply re-mortgaging, we can find the best rates on the market for you, and advise you on the most appropriate repayment and mortgage protection options to meet you own specific needs.

With 1,000s of different deals available from over 100 lenders, there is a minefield of information out there, and independent mortgage advice will alleviate the stresses and worries of choosing the most suitable mortgage for you, and will help you make sense of the many different home loans available today.

Interest Only or Repayment - We can guide you with regards to whether an interest only or repayment mortgage is best for you. When choosing an interest only mortgage, you will receive advice on appropriate investment vehicles for your personal risk profile, tax efficient investments, and portfolio construction to meet your own specific risk requirements.

Type of Mortgage Product - Get advice on the type of mortgage product that is most suitable for you, whether it is a fixed or variable rate, a tracker or capped rate, or a flexible or current account mortgage.

Mortgage Protection - Protect your mortgage and your family with appropriate insurance; we can guide you through your mortgage protection options, Life Cover and Critical Illness Cover, Income Protection, and associated mortgage protection products.

Exclusive Deals & Rates – We have access to the latest mortgages and rates, including many that are not available through high street lenders, and exclusive only to IFAs.

The Equity Release products we offer are lifetime mortgages and home reversion plans. To understand the features and risks, and fees of these products, ask for personalised illustration.

We are normally remunerated by the lender for arranging mortgages, and therefore do not charge any fees to our clients. In unusual cases, we occasionally charge a fee of £250 to £500.

Your home may be repossessed if you do not keep up repayments on your mortgage