You are protected

An important thing to understand is that when you receive mortgage advice, we as your mortgage broker have a duty of care to you. We will recommend a suitable mortgage and be able to justify why the particular mortgage you choose is right for you. If our advice is not up to scratch, you can complain and be compensated. In contrast, if you go directly to a high street mortgage lender, don’t take advice, and end up with a mortgage that later becomes un-affordable, you may not have so much legal recourse.

We are qualified

There’s an awful lot to think about when choosing the right mortgage. It’s not as simple as just opting for the cheapest fixed or tracker rate mortgage you can find! We as your Mortgage brokers are qualified to give you mortgage advice.

We will be on your side

We as an independent mortgage broker will look for the best mortgage for you. We are not on the lender’s side, we’re on yours, and we’ll give you access to far more products than if you went direct. You’d get unbiased advice and could choose from a range of lenders and subsequent products, rather than being restricted to the single range of the lender you go to.

We know the industry

We deal with lenders on a day-to-day basis, so we know what the application process is like for each one and can tell you which lender can process your application with minimal delays. We also know the background criteria that a lender has and we can use this experience to bear when advising you and processing your application. Then there’s the fact that, because we as mortgage brokers may put a lot of business to a particular lender in a year, we can exert influence and chase things in a way you just can’t do by yourself – and that can be invaluable should things get held up.

It’s not just about the mortgage

We won’t just advise you about your mortgage. We will also look at any related life insurance, payment protection and even buildings and contents insurance you have. We will recommend insurance based on your new mortgage arrangements to make sure you are fully protected in the event of: – Death – Critical illness (such as cancer, heart attack or stroke) – Redundancy

The value of advice

Mortgages are a lot more difficult than they first appear. Knowing what rate, what term, what lender, what features and what insurance to get are all time-consuming and complex matters. Choosing a mortgage is a process far more complicated than simply opting for the lowest rate or the best incentives. We take your whole circumstances into account to recommend a suitable product, and it’s that thorough, professional look at your finances that makes advice well worth paying for.

Our services are free

Lenders and insurers pay us commission for putting your business their way. You don’t pay us.