FREE initial consultation to discuss your individual requirements evening and weekend meetings always available We can see you in the comfort of your own home , place of work or at our office .

Choosing a mortgage is probably the biggest financial decision you will make. However with thousands of mortgages to choose from it can seem like an impossible maze to find your way through.

We can find a mortgage product to suit your own individual requirements be it a residential, buy to let and commercial mortgages

Whether you are a FIRST TIME BUYER, wish to REMORTGAGE, MOVE HOME or you are looking at BUY-TO-LET, COMMERCIAL or NEED CAPITAL for business or home improvements, We will recommend a product to suit your needs. We will help liase with your solicitor, estate agent, surveyor, lender…….in short, We will be with you EVERY STEP OF THE WAY . Your initial mortgage consultation is obligation free.

Our charges are based on two factors: the loan amount and the complexity of customer circumstances . We offer a free initial consultation and always explain exactly what customers will be charged before we proceed with an application. As we offer a bespoke service our charges can vary. Our minimum fee is £495, (of which a non-refundable £350 is payable when you make a formal mortgage application). The average fee paid by our clients over the last year was 0.20% of their loan value. (For example, if your loan amount is £250,000 our average fee would be £500). If a customer circumstances are more complex we may charge a higher fee. Our maximum fee is 1% of the loan value. (For example, if your loan amount is £250,000, our maximum fee will be £2,500

WHY USE A MORTGAGE BROKER?

What does a mortgage broker do that you can't?

But however tempting it is to cut out the middleman when searching for a new mortgage, you should think twice.

Mortgage advice, from a reputable broker, can be an invaluable service – and here's why…

• You're protected-an important thing to understand is that when you receive mortgage advice, your mortgage broker has a duty of care to you.

• We have to recommend a suitable mortgage and be able to justify why the particular mortgage we have chosen is right for you. In contrast, if you go directly to a high street mortgage lender, don't take advice, and then end up with a mortgage that later becomes unaffordable, you've only yourself to blame.

• There's an awful lot to choosing the right mortgage. It's not as simple as just the cheapest fixed or tracker rate mortgage you can find!

• Mortgage brokers have to be qualified to give you mortgage advice – a lot of call centre and branch staff aren't qualified to give advice.

• As brokers we are on your side

• An independent mortgage broker will look for the best mortgage for you. We aren't on the lender's side, we're on yours!

• We know the industry

• Mortgage criteria has tightened massively over the past few years, but a mortgage broker deals with lenders on a day-to-day basis. We know which lenders can process your application without unnecessary delays.

• We also know the background criteria that a lender has and can bring this experience to bear when advising you and processing your application.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT