Home Finance

Home Finance

We are independent mortgage brokers, so you can be sure we’ll give you unbiased advice based on all available mortgage products.  We offer clients a complimentary initial review, checking the details of your current mortgage or advising on your new or first mortgage.

When we know your requirements, we will search the market to find the best rates and most suitable deal for your individual needs.  We have access to some exclusive rates that are not normally available on the High Street and can even review the deal you have with your existing lender.

If your current mortgage deal is about to finish, we can help you switch to a lower rate of interest.  A short meeting with one of our mortgage advisers is all it takes to potentially to save you thousands of pounds on your mortgage.  You can rely on us to handle all the paperwork and administration, making the switch as hassle-free as possible.

We also have specialists in buy-to-let finance, and can offer impartial advice to both new and experienced professional landlords, recommending mortgage and insurance products and providing guidance on effective tax planning.

Homeowners who are near to retirement age and who have interest only mortgages may face difficult choices if they don’t have an adequate repayment vehicle.  Retirement Interest-only (RIO) mortgages are a new way to meet the need (but they aren’t suitable for all cases).  If you’re aged at least 55 and are concerned about repaying your interest only mortgage, we can advise on RIOs and we may be able to find a solution.

Please remember your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it.

(From time to time, some lenders offer exclusive deals available only through their own branches.  We cannot advise on these deals.  You might therefore be able to find better terms than we can access, but only by conducting your own research on a range of lenders).