Even if you already have a mortgage, knowing what rate, what term, what lender, what features and what insurance to get are all time-consuming and complex matters.

As independent financial advisers, we are not restricted to any particular lenders and can often recommend exclusive products that you may not have direct access to by going into High Street branches or even on the internet.  The internet is a great tool, but it doesn’t necessarily provide the right product for you and it certainly doesn’t identify underwriting criteria that align with your specific circumstances.

Having identified the best deal, we will guide you through the application process, liaising directly with the mortgage providers, anticipating and answering questions and assisting you right through to completion.

Property investment can be a very effective way of generating income if managed correctly but it is not risk free and needs to be considered carefully.

A buy to let mortgage* is a loan for purchasing or refinancing residential property which is let to tenants rather than lived in by the borrower. Rates and fees are typically higher than for a standard residential mortgage and you will generally need a larger deposit.

As an independent mortgage broker we have access to a broader variety of buy-to-let mortgage deals than will be available directly to you. We provide specialist, impartial advice and use our expertise to recommend the correct mortgage for your financial situation whether you are renting out a property that used to be your family home or building an investment portfolio.

*Not all buy to let mortgages are regulated by the Financial Conduct Authority or Prudential Regulation Authority.

Second charge mortgages are often referred to as second charges because they have secondary priority behind your main (or first charge) mortgage. They are a secured loan, which means they use the borrower’s home as security.

They are different to re-mortgaging because they are still paid off alongside your first mortgage and they can be cheaper than re-mortgaging when you want to raise extra money. However, there are many factors to assess when considering this type of loan and we would need to look at your specific requirements and circumstances to make sure it is the right choice for you.

Bridging finance offers short-term finance for buying a property before your longer-term funding comes through. When taking out a bridging loan you could face much higher interest rates than with a traditional mortgage.

We are committed to building long term relationships with our bridging finance companies who can provide a reliable source of bridging finance at a competitive price, often under tight timeframes.

Equity release allows individuals aged 55 and over to release money from the property they live in without having to make regular monthly repayments unless they choose to. By using an equity release product, a home owner can draw a lump sum or regular smaller sums from the value of their home, while retaining ownership and remaining in their home, until they die or go into long term care.

We can help you to understand the steps involved, talk you through your options, and weigh up the advantages and disadvantages fully before you decide if equity release is right for you. Equity release is often seen as the option of last resort and it is very important to consider carefully whether other options are available which may be more appropriate, such as a later life mortgage where assessment is based on pension income.

Personalised illustrations will always be provided to help you understand the features and the risks of these kind of products. We do not advise on home reversion plans.

We understand that not all mortgage applications are straightforward. We can work with a wide range of client profiles which are not always catered for by high street lenders. These include, but are not restricted to, clients who are self-employed or contractors, those who have a poor credit rating or those who are looking for high value loans and/or loans which equate to a high proportion of their property value.