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.
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.
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.
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 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.