General Mortgages

There may be thousands of mortgages to choose from but an Independent Financial Adviser has access to computer programmes, which easily scan the whole market for your specific needs.

Do you need help finding the right mortgage?

Then relax because your search is over. We are mortgage experts and just as importantly we are an Independent Financial Advisor (IFA) .

So let us guide you through the mortgage maze and do the shopping around for you.

As an IFA, all of our advisers are fully qualified and have many years of experience. Let us show you how easy arranging a mortgage can be!

Our financial team will take out the troubles of finding you the right mortgage. For efficiency all contact will be made by telephone and email. Then, should you prefer, a face-to-face visit can be arranged - whichever suits you best!

There is no obligation to buy but please only use this facility if you are serious about seeking a mortgage or remortgage as you will be contacted by a qualified financial advisor.

Local mortgage advice

We can arrange a face to face meeting, either in your own home or at work with an independent financial adviser to discuss your mortgage or remortgage requirements.

With mortgages and remortgages at a lower interest rate than they have been for many years, we are able to offer a variety of mortgage and re mortgage solutions to suit your mortgage needs. Whether you are a first time buyer looking to get your first mortgage or you are looking to remortgage then we are confident we have the mortgage for you.

We can arrange a bespoke mortgage package based on your personal circumstances. Buy to let and other specific arrangements can be considered too. (The Financial Services Authority does not regulate most Buy to Let Mortgages)

Remortgages are becoming more commonplace than they were years ago.

People are often averse to remortgaging because of the time it took to arrange the first mortgage. This isn't necessarily the case. There is also the concern that whatever fees are involved will outweigh the benefits of remortgaging, again, this needn't be the case.

Mortgages - an introduction

Mortgages can be confusing, since there seem to be so many different types of home loans available. However, with a little homework, it is possible to gain a sound working knowledge of the subject and an understanding of the terminology.

Even armed with this information it makes sense to talk to a professional mortgage adviser. With the number of mortgage choices available - well over 1,000 different deals (which are constantly changing), from over 80 lenders - an independent financial adviser (IFA) is well placed to help you select the type of mortgage that best suits you. Such an IFA should have access to most, if not all, of the latest mortgages (including many that aren't available through high street lenders), and can provide invaluable assistance in highlighting potential pitfalls.

However, to help you make sense of the mortgage market we have prepared a brief description of each type of mortgage, with handy summaries.

Right at the outset it is important to understand that there are two facets to a mortgage: how the loan is repaid; and how interest is charged on the debt. Get this clear in your mind, and logically everything else should fall into place.

Why use an IFA

Independent Financial Advisers (IFAs) are the only type of financial advisers who are able to select from the whole of market - making sure you get the right product for your individual needs.

IFAs are bound to the Financial Services Authority rules, which obliges them to provide advice most suited to your personal requirements and your risk outlook. When financial products are recommended they must take into account the benefits provided, charges, flexibility, service and financial strength.