We are a FCA registered Mortgage Broker. We pride ourselves on a truly whole of market approach where we can offer the best product, this may not be what you thought. We offer Remortgages, Purchases, First Time Buyers, Second Charge Mortgage (We use this when you need to raise capital but you have a great mortgage rate), Buy-to-let, Bridging &
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What do you love most about your job?
Helping others. In the current cost of living crisis, assisting people with their day to day finances and helping reduce overheads is a key driver in getting out of bed.
What inspired you to start your own business?
Being my own boss and sharing the passion in the products and services I want to offer my customers.
Why should our clients choose you?
Simple, we care. As a small company we get to know all our customers personally. With a mature and experienced staff who have probably experienced a similar life event, we can share and advise based on this and choose the best products for your needs.
Can you provide your services online or remotely? If so, please add details.
More often than not we will deal with you over the phone and receive documents by email. We are very happy to speak remotely through an online portal or we can deal with you face to face if your within travelling distance of WA16 0RT.
What changes have you made to keep your customers safe from Covid-19?
We have separate meeting rooms. We do not currently wear masks but if you were to attend our offices and this was a request then that will not be an issue.
Secured Loan (Second Charge Mortgage)
A secured loan is a loan that typically offers a lower interest rate because it has the security of being protected against your home. Secured loans are usually offered over longer terms.
Remortgage
This is when you repay your existing mortgage with a new one. Some examples of why you would remortgage could be if your fixed rate mortgage is coming to an end and you want to avoid being put on your lender’s Standard Variable Rate (SVR), or if you are on an SVR and you would like to swap to a fixed rate, you want to change the type of mortgage you’re on e.g. interest only to a capital and repayment mortgage, you might want to raise additional capital for home improvements or a significant purchase. You would like to raise some additional funds and therefore need to lend more money than your current lender can offer you. Personal examples would be separating from a partner, worried about rates rising or even consolidating debt. In short whatever the reason, the new mortgage pays off and takes over the old mortgage.
Purchase
The purchase of your first, a new or an additional home. The process sees the transfer of the property from one person to another by an agreement paid for usually by way of a mortgage.
First Time Buyer
You are considered a First Time Buyer when you are buying a property for the very first time and have never previously owned a property before.
Buy-to-Let
,This is where you buy an additional property with the specific intention and purpose of renting it out to tenants and becoming a landlord.
