REPAYMENT

Our office-based service is all about delivering high quality advice and information at times to suit you. We are always available to update you and answer your questions quickly and easily. Most of our clients are happy to contact us during normal office hours but where this is not possible, we are always able to find a suitable time. We never meet some of our clients face to face because it suits them to conduct all dealings over the telephone and via email.

We pride ourselves on being very responsive to our clients’ needs.

We start with a discussion that helps us to understand your circumstances and requirements. After that we are able to start providing information on products that would be suitable for you. We normally do this via email. Whether you require an update on rates or an urgent decision in principle, we are on hand to help. If our customers are at the beginning of a property search our dialogue could continue for several months.

Finding the right mortgage product is one thing but getting a mortgage offer is altogether different. And this is where we really add value. When dealing with banks and lenders this is not always straightforward. We collect everything required from you and liaise on your behalf until the mortgage offer is produced. Our sole objective is to get you what you want in the most painless way possible.

Whether you wish to refinance an existing mortgage, are buying a new home, or an investment property; we have the skills, tools and experience to help.

Some firms take the view that the only way to get high quality service is to pay for it. We disagree and do our best to provide the best possible service without the need to charge any additional fees. Our experience tells us that our clients use other services we offer and recommend us to friends and colleagues, which helps us to grow our business through recommendation.

On occasion it is necessary for us to charge a fee for our professional services alongside the commission paid by the lender. This is normally because the mortgage loan is too small to generate sufficient commission or because the complexity of the mortgage finance merits the additional fee. Typically; this fee can range from £195 to £495. The fee will be discussed and agreed with you from the moment we start work on your behalf.

For most mortgages we arrange we rely solely on the commission paid to us by the lender and charge no fees to you whatsoever. This commission is declared in all the illustrations we produce and typically ranges from 0.30% to 0.45% of the mortgage loan.

Your home may be repossessed if you do not keep up mortgage payments.