Whether you are a first time buyer looking for a 100% mortgage, have a poor credit history, looking to raise money to consolidate your debts or simply re mortgaging to find a better rate, it makes sense to take independent mortgage advice to find the best mortgage available.

Independent mortgage advice Over 4000 mortgage products No broker fees

Our mortgage advice service
Our mortgage advice service is independent and we can normally provide you with a binding decision within 24 hours. We use the latest software to research over 4000 mortgage deals from the whole of the mortgage market and as independent mortgage advisers we make a recommendation to you on the most appropriate mortgage for your circumstances before guiding you through all of the paperwork. Complete our mortgage advice enquiry form.

Statutory Notice
Think carefully before securing debts 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. The actual rate available will depend upon your circumstances. Ask for a personalised illustration. The overall cost for comparison is 7.3% APR.

Cost of mortgage advice
We understand everyone likes to deal with their personal finances in their own way, that is why as independent mortgage advisers we offer our client’s two options; a fees free option and a time spent option.

Free mortgage advice
If you want mortgage advice and prefer not to pay fees then we will not charge you a penny for mortgage advice. Instead we will be paid a commission from the mortgage lender to cover the cost of our advice. This commission does not affect the rate you pay or the terms offered. This allows us to provide you with free mortgage advice.

Hourly fee mortgage advice
If you prefer to work on a time spent basis, with total costs based on the time taken to arrange your mortgage, we will charge you an hourly fee for mortgage advice, together with a fee to cover administration costs. We will refund any commissions received from the mortgage lender. We will provide you with a quotation estimating the total costs involved before providing you with any advice. A typical fee is £499.00.

No broker fees
Whichever option you choose we will never impose broker fees. These fees, often 1% - 3% of the mortgage advance, are normally payable in addition to any commission or time spent hourly fees. This means on a typical £150,000 mortgage, using one of our specialist independent mortgage advisers to arrange your mortgage can save you between £1,500 and £4,500 in broker fees alone.

Purchases & re mortgages
Use our online mortgage software to search through all of the latest deals, our rate beater tool to show you lenders who would offer you a cheaper mortgage or contact us and let us help you find the right mortgage for your circumstances.

Mortgage products
In addition to 4000 mortgages from over 100 different main high street lenders, building societies and centralised lenders we have access to exclusive mortgage deals available only to registered mortgage advisers. Our exclusive mortgage deals provide us with more solutions for difficult cases with poor credit ratings, very high income multiples and no proof of income. These exclusive mortgage deals are not available direct from the lenders.

In addition to finding you the best interest rate we can help with: 100% mortgages, debt consolidation, self-employed with no accounts, no proof of income, self cert, poor credit history, mortgage arrears, buy to let and properties of non-standard construction.

Alternative options
Lifetime mortgages and home reversion plans allow home owners over 55 to release the equity built up in their property but without making any interest or capital repayments. Learn about equity release schemes.

Bridging loans allow you to arrange borrowing quickly, often within 24 hours, with facilities granted across multiple properties. Rates start from 1% per month.

Mortgage protection
Use our online comparison tools for life assurance quotes and critical illness insurance. Rates from £3.95 per month for £100 of accident, sickness and unemployment insurance (ASU).

To request a quote
Complete our online mortgage advice enquiry form or call one of our specialist independent mortgage advisers to receive free mortgage advice. As an internet based firm of independent financial advisers we provide advice over the telephone, via email and through the post. Dealing with you in this way means we can provide independent mortgage advice without charging you a broker fee.

Help & advice
There are many different options to consider when choosing a mortgage and it makes sense to take advice from a qualified mortgage specialist who is independent and can offer you products and services from the whole of the market place. Please call one of our independent advisers or contact us to discuss the different options available to you and to request a quote on the best mortgage for you.