Contrary to popular belief, your mortgage is a key part of your financial plan. If you get it wrong, you and your family could suffer; if you get it right, you could position yourself for a bright and financially secure future. We are an impartial, whole of market mortgage broker, providing advice and guiding you through the mortgage process.

Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.
The Financial Conduct Authority do not regulate commercial mortgages.
Commercial mortgages and bridging loans are available by referral to a master broker only.

How we charge:

  • For new clients, we charge an initial engagement fee of £250
  • Once you are an existing client, we charge no engagement fee, i.e. £0
  • We may also charge a small loan fee of £499, on application, but, only if the value of the mortgage loan/(s) are less than or equal to £300,000. However, if we are doing more than one mortgage for a client, i.e. a Let-to-Buy scenario, and the cumulative value of the mortgages is greater than £300k, then we do not charge the small loan fee.

Before meeting with a prospective mortgage client we will qualify all mortgages over the phone.

For a small engagement fee, we will take the hassle out of applying for a mortgage or remortgage. This includes providing you with right options, advice and implementation, saving your precious time and money: so why go directly to your bank?

Residential Mortgages & Remortgages

Whether you are a first time buyer, potentially moving back to the UK to purchase your first home, or are looking to buy a bigger home, a mortgage will normally be required…

Special Purpose Vehicles & Limited Company Loans

Limited companies can be used to purchase buy-to-let (BTL) properties – rental funds can then be drawn from the company through salary, expenses and benefits, dividends, or directors loans…

Contractor & Director Mortgages

If you are looking to buy a house you are likely to need a mortgage. Getting a suitable mortgage is a key part of a financial plan.

Buy-to-lets

Whether you are looking at buying-to-let, where you are borrowing to invest in a rental property, or letting-to-Buy, if you want to turn your current home into a house that generates income, the Buy-to-let mortgage market is a specialised one…

Bridge Loans

A bridge loan is a short-term loan, 6-12 month term, used in the most by property speculators but also by people who are renovating for example. It is a means to fund a project, where the end goal may be to sell the property or buy another. We do not advise on Bridging Loans but refer customers to a specialist broker.

Commercial Mortgages

A commercial mortgage is a loan from a bank, building society or other specialist funding institute that is arranged for purchasing or refinancing property that is primarily used for commercial or business use…

Equity Release

Equity release is a product where you either sell part of your home or borrow against the value of the home, whilst retaining the right to live in it until death or sale. The idea is to raise funds towards living or lifestyle, i.e. for the asset rich, cash poor person.

Self-employed mortgages

When it comes to getting any mortgage, opting to do it yourself you can involve a lot of time trawling websites, comparing best buys and traipsing round various lenders. All of this takes time and it can be hard to know if you’ve made the right choice. It’s a fact that mortgage applications made through an adviser can often go through quicker…

My team and I work with clients on a one-to-one basis guiding you through the process of securing the most suitable mortgage for you and your family.

Mortgages these days can be complex: We work with most people but we specialise in working with self-employed people, e.g. contractors & small business owners. We help our clients to secure the most competitive loans available, with minimum stress. The key thing to note is that quality financial advice is holistic, that means if one piece of the puzzle doesn’t fit then the picture, as a whole, won’t look right. Unfortunately, managing & understanding risk is something that is overlooked by many brokers; understanding how a mortgage it fits into your broader long term financial plan is key. My team and I are able to provide valuable insight into the local residential and Buy-to-Let (BTL) property market as well as providing you with the best mortgage advice in regards to which product is right for you as well as actually brokering the mortgage smoothly, without dramas, from start to completion.

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