We have been supplying independent mortgage advice for over 12 years, providing our clients with unrivalled service.

Not only do we guarantee to search the entire mortgage market to find the most competitive mortgage product to suit your need but we also aim to make the mortgaging process stress free; from the initial sourcing of the mortgage product, followed by the application processing and finally through to completion, we manage the whole process.

We offer expert mortgage advice in the following areas:

• Purchasing or Moving Home
• Shared Ownership
• Re-Mortgaging
• Overseas Mortgages
• First Time Buyers
• Offshore Mortgages (for non UK based clients)
• New Home Purchases
• Equity Release
• Buy-to-Let

We also provide an on-going service to track and review your mortgage, should you require advice at any time during your mortgage term.

Your home may be repossessed if you do not keep up the repayments on your mortgage.

Buy to let mortgages are not typically regulated by the Financial Services Authority.

Overseas mortgages are not regulated by the Financial Services Authority.

Your initial consultation is obligation free. In many circumstances we do not charge a fee for our advice and receive commission from the lender. Whenever the situation arises and a fee is charged a separate fee agreement will be signed giving clear confirmation of the discussed and agreed fee amount, and when this fee is payable, this would be signed and agreed before any application is made on your behalf.

Where we do charge a fee, our typical fee for work for lifetime mortgages or Home Reversion Plans will be £1,500 (subject to the complexity of the case – and agreed with the client in advance). Our typical fee for a residential or commercial mortgage will be 0.5% of the property value. For example, to arrange a mortgage of £200,000, we would charge £1,000. As First Financial Intermediaries earn an upfront fee, in order to maintain our independence, we will refund to the client any commission paid to us from the lender.

This is a lifetime mortgage or Home Reversion Plan. To understand the features and risks, ask for a personalised illustration.

Moving home presents you with the ideal time to see what the mortgage market has to offer. As an independent adviser we search the whole market to find the best all-round mortgage deal for you. We often get access to exclusive rates which may not be available on the ‘high street’ or via online comparison sites.

New Home Purchases
For the first time in recent years Banks and Building Societies have restricted lending to the new-build sector. We have extensive knowledge of new-build mortgages and have access to some exclusive mortgage rates that are not widely available in the market.

First Time Buyers
Buying your first property can be very daunting with the majority of lenders each claiming to offer 'unbeatable' deals. We are highly experienced in guiding first time buyers through every step of the process and take time to make sure they are comfortable with every element of the mortgage and house purchase process.

Simply switching lender or finding a better deal with your existing lender could significantly cut your monthly outgoings. We offer a free consultation service and will advise you as to whether you would financially benefit from such a move.

All of our existing customers benefit from our mortgage tracking service. This is where we track your mortgage and contact you when your current deal is nearing the end or when we feel that a review required.

The UK Buy-to-let mortgage market has expanded dramatically over the last five years; however the recent financial downturn has severely affected the number of mortgage products available.

If you’re contemplating a Buy-to-let mortgage, whether it’s your first investment or you’re a seasoned landlord, it has never been more important to get independent market advice. We have a wealth of experience and pride ourselves on providing expert advice.