What we do - Mortgage advice
We specialise in providing mortgage advice and the background of our Directors and Advisers reflects this, each has more than 10 years relevant experience.
The range of mortgage products we can advise on is large and we only provide advice on mortgage products where we have the necessary specialist experience. Obviously we can provide mortgages for home movers and first time buyers as well as those people needing to remortgage. We are able to give practical advice for all types of bad credit or poor credit cases, even one's which involve Bankruptcy.
Other niche mortgage areas are buy to let mortgages and holiday let mortgages. For buy to let we have a sister company, Let Property Strategies Limited, which provides our clients with the buy to let finance they need. Holiday let mortgages is a fast growing market and we have set up a dedicated website with lots of additional information at www.holidayletmortgages.co.uk
Our aim
Our aim is simple; to provide you with the best possible mortgage deal along with the best possible service.
We will listen to your needs and ask appropriate questions to confirm your wishes. For difficult cases, we may ask you to provide additional information such as your Credit File, survey reports or Agents Letters. Most of our communication can be done by telephone and email for speed.
Research
Once the facts have been established we will begin to research your mortgage options. We use the mortgage industry's leading mortgage sourcing software to trawl through thousands of different mortage schemes. By using this software and our own expertise, we can then recommend the best mortgage option for you. Importantly, we do not have a panel of mortgage lenders to choose from, nor are we restricted by outside influences. We look at the whole mortgage market for you.
We can then either post or email your personalised mortgage illustration so you may see the costs and fees related to the new morgage contract. We will explain this illustration and the fees to you. If you are happy to proceed we will send out the relevant mortgage application form and a request for certain additional documents.
We do not chase our clients for mortgage business. You have come to us for mortgage advice and that is what we will provide. We do not use high pressure sale tactics. If we have provided the service you expect then we hope you will want us to arrange your mortgage.
Insurance
If you would like us to provide you with quotations for life cover or critical illness cover to protect your mortgage then please ask. Our mortgage advisers will be able to research the best policy for you. And remember; there's no pressure from us!
Administration
We have a highly experienced mortgage administration team who work closely with our mortgage advisers. They will follow your mortgage application from start to finish ensuring any errors are corrected and any extra documents are provided.
Aftercare
We have a highly visible presence on the internet, although we rarely advertise anywhere else. Nevertheless, much of our business still comes from clients returning to us and recommendations, something which we are very proud of. When the early repayment charges on your mortgage end we will contact you to see if there is a more suitable alternative mortgage product available. Most of our clients value this service and we continue to look after their needs year after year.
Our fees
We are a whole of market mortgage broker. This means we have access to all mortgage products and we work independently of the mortgage companies and lenders.
We will charge you a fee of £250 per mortgage you ask us to arrange, we will also receive a variable amount of commission from your new mortgage lender. Importantly, the commission paid to us does not affect your mortgage product.
If you have any questions about what we do or the way we work then please contact us. We will be pleased to answer your questions.
The overall cost for comparison is 7.9% APR The actual rate available will depend upon your circumstances. Ask for a personalised illustration.