Our aim, as independent mortgage advisors is to provide a quality client focused service. We appreciate and understand that your mortgage is likely to be your largest financial commitment you will undertake. Our role is to help you understand how a mortgage works and how control of the repayments is essential for prudent money management.
We will provide you with the document “key facts about our mortgage services” outlining the services we offer and the fees that may apply. Please read this carefully.
Throughout our association with you we are committed to giving the highest standard of service and customer care both before, during, and after your mortgage completes.
We will review the market place to identify the most suitable mortgage product for you. We constantly review the mortgage market conditions to enable appropriate advice to be given. However, in certain instances where a limited range or a single product only is recommended (e.g. in conjunction with a builder/developer’s special scheme) we will explain to you the reasons for doing so.
We will also provide you with information relevant to your mortgage needs, covering such items as an explanation of the main repayment methods, the implications of taking a mortgage and an explanation of the main relevant repayment methods available (for example capital and interest or interest only).
During our initial meeting, we will be completing a detailed mortgage/financial review questionnaire to enable appropriate advice to be given on your mortgage and other related insurance products.
Once we have made our recommendations to you, we will confirm our advice in writing. You should keep this, as it will be an important record of our discussions. Details of the loan will also be confirmed in your lender’s formal offer.
We will treat all your personal information as private and confidential (even when you are no longer a customer) except where the law requires us to do so or where disclosure is made at your request or consent in relation to arranging your mortgage, for example when instructing a financial adviser or insurance specialist.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
For our mortgage advice we typically charge a mortgage fee of £399. We may also receive commission from the mortgage lender.