Do you charge a fee?

We charge a minimum fee of £295 for remortgages and a fee of £495 for purchases. If you need an equity release mortgage then we may charge up to £995 to arrange this for you. You will always receive a quote before we do any chargeable work for you.

Why should I use a Mortgage Broker / Adviser?

Where do I meet you, my home or your office?

This is simple – where would you like to meet?  Many of our clients find it convenient to meet at their home, but others prefer to come to us – it’s up to you.  Also, we recognise the need to be flexible when it comes to meeting times and are happy to fit into your schedule.  All we require is for you to be relaxed and able to give us your full attention.

Can I get a mortgage if I have bad credit?

This is one of the areas where you really do need to engage the services of an experienced broker. Whatever the situation with your credit history, we are able to go through your records with you to fully understand the position, and from there we can find the most appropriate lender to fit your circumstances.

How much can I borrow?

For most people this is the number 1 question.  Lenders will advertise ‘multiples of income’ as a guide to what you can borrow.  However, this is affected by your other credit commitments (loans, credit cards) the number of dependants, your age, your lifestyle, so it’s not as simple as 4.5 times salary. Different lenders will also take their own approach to credit scoring and how lenient they can be. This is why you must use a broker; - based on your unique circumstances, a good broker will know which lenders to place you with and will maximise your buying power.

Which lenders do you work with?

A short and simple answer: we have access to the whole market.  We are not ‘tied’ into a specific lender or group of lenders so whether the best deal for you is from one of the big high street names, a smaller specialist regional building society or one of the new ‘challenger’ banks, our systems allow us to access them all.  This includes many specialist lenders that will only work through a broker.

What areas do you advise in?

We advise in property finance and personal and business protection.  That includes, residential, commercial (e.g. retail and industrial units) buy-to-let, including portfolio landlords, first time buyers, help-to-buy, property development financing, guarantor mortgages, remortgages, raising capital, bridging and more.

Protection advice includes: Life, Critical illness, Income Protection, Relevant Life, Shareholder and Key-Person protection.  Unlike many mortgage brokers, we are trained in the latest protection products on an on-going basis and are able to guide you to the best and most relevant solution.

I am a first-time buyer. Can I buy a house and where do I start?

How do I buy a house? - This is something they don’t teach you at school. But it’s a complex process and an important life skill.  Our advice – find an experienced broker that you can trust and work with to guide you step by step through the process – just like a good tutor.   We have worked with a large number of first-time buyers, many of whom had no belief that they would be able to buy a house.  With a helping hand they got the keys, and their testimonials speak for themselves.

I want to get into Buy-to-Let

As experienced brokers in the buy-to-let market, come and talk to us when you are in the planning stage.  Not only can we help you to avoid potential pitfalls, but also discuss your long-term plans in this area, as this can affect the way you purchase the property and the lender we place you with.  We also have access to property-sourcing agents who can help you to find good buy-to-let assets and can introduce you to experienced tax-accountants who can offer appropriate tax advice.

Are you Independent?

Yes.  And that is important because we find the best and most suitable products for you; not the ones we are limited to sell.

Aspire Financial Services is authorised and regulated by the Financial Conduct Authority (FCA). Aspire Financial Services is entered on the Financial Conduct Authority Register under reference Number 919412.
The Financial Conduct Authority does not regulate some forms of buy-to-let or commercial mortgages. 
This website is aimed at UK residents.
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