About You

What do you need?

Maybe you’re a first-time buyer, looking for the most appropriate. Or maybe you’re coming to the end of your fixed rate term, and you need to arrange a new one. Maybe you want to borrow some extra money.

Or maybe you’re struggling to get a mortgage. Perhaps you’ve been turned down because you’re over sixty, or recently self-employed, or a part-time or contract worker.

Whatever your situation, we may be able to help. Our advice covers all lenders, and all the mortgages they offer. When you’ve chosen the most appropriate one, we can arrange it for you. And if time is short, we can help you speed things up.

What are your choices?

With several thousand different mortgages available at any one time, it’s not surprising that many people find it all a bit of a nightmare.

• Is the lowest possible interest rate always the most appropriate? Have you considered the fees charged by the mortgage lender?
• Which is most appropriate - fixed rate or variable? Interest only or repayment? Twenty years or thirty years?
• How much deposit do you need to put down?
• What about an arrangement fee? Should you pay one or not?
• Will you have to pay a penalty for early repayment?
• Should you go for a short term deal, or stay put for continuity?

So many questions. If you’re not a mortgage specialist, they can do your head in.
Fortunately we are, and we know our way round all this stuff. More importantly, we can help you cut through the jargon, make sense of it all, and make the most appropriate choices for what you need.

Who do you trust?

Where can you go to for impartial mortgage advice that you can really trust?

You could try your mates – but they’re probably not experts.

You could ask your dad – but things have probably moved on a lot since he took his mortgage out.

To make things easy you might be tempted to go straight to your building society. But they’ll usually only tell you what they’ve got – and that’s normally a limited set of products.

The same applies to your bank. They may only offer a limited choice of mortgages – but you’ll have to plough through a long meeting just to find this out.

If you approach lenders direct, they may want to do credit checks on you. Too many of these can count against your credit score, and can make it more difficult to get a mortgage. Be careful about having credit checks done when you are just looking for information.

Then there are the best-buy and comparison websites. They’ll show you the low rates, but they might not tell you about set-up fees, or how long you’re tied in, or even if you qualify.

You could talk to an estate agent based advisor. But do they really have access to the whole of the market or are they advising from a limited panel of mortgage lenders?

We believe what you really need is an impartial expert. Someone who has access to the whole of market, and who can give you objective advice based upon your current needs and circumstances. That’s us!

Why choose us

We’re on your side

We don’t have a vested interest in any lender or any mortgage option. The only thing we care about is helping you find and arrange the most appropriate deal based upon your current needs and circumstances.

Our advice isn’t restricted

We give full and “whole-of-market” advice. We’re directly authorised by the FSA, which means we’re responsible for the advice we give.

We don’t charge a fee

We operate on commission, so there’s no fee.

We’re not part of a network

We’re not owned by an insurance company. It’s just us.

We stick with it

The market will change. Your needs will change. You can come back to us for more advice as often as you want.

We’re local – and national

Our offices are on the Stratford Road in Shirley. So if you’re local, it’s easy to pop in for a face-to-face chat. But we also work nationwide and even internationally. With webcam, meetings can be anywhere.