Important Information - Our Advice Services

 We will recommend a mortgage product that is suitable for you following an assessment of your personal needs and circumstances.  This will include a detailed assessment of affordability.

 We will consider all products and lenders that we have access to.  This means we will not consider those lenders that are only available by you going direct to them. Our mortgage services are limited to advising on first charge mortgage products only*.  We offer advice on Residential Mortgages, Consumer Buy to Let, Commercial Mortgages & Commercial Buy to Let Mortgages**

 *a First Charge Mortgage Loan has legal priority ahead of other loans affecting the land in question.

**A Commercial Buy to Let mortgage is where the borrower is acting by way of business and is not regulated by the FCA and therefore the provision of our service does not hold this additional level of consumer protection, unlike residential mortgages. 

 Where you are increasing your borrowing or consolidating existing loans you may have the option of;

• taking out a further advance with your existing lender

• arranging a separate second charge mortgage

• borrowing through an unsecured loan

Whilst these may be more appropriate for you, we do not provide advice on these products.

 Mortgages will be secured against your home. It could be repossessed if you do not keep up any mortgage repayments.

Some types of Buy to Let mortgages are not regulated by the FCA

Equity Release - Lifetime Mortgages and Home Reversion Plans

We offer advice following an assessment of your personal needs and circumstances.

We will consider all products and providers that we have access to.  This means we will not consider those providers that are only available by you going direct to them.

Mortgages on and the equity released from your home will be secured against your home. It could be repossessed if you do not keep up the mortgage repayments.