Advice on, sourcing and applying for Residential mortgages for first time buyers, next time buyers or Remortgages, mortgages, shared ownership or shared equity mortgages, and many more, you simply need to call us and ask, we are always more than happy to discuss your needs at no obligation to you.

Buy to Let / Let to Buy mortgages

Commercial mortgages /development loans

Self build mortgages / land purchase

Buildings and contents insurance

Mortgage payment protection insurance

Term Life insurance

Can they access the whole market. Be careful as some brokers are restricted to a certain mortgage provider panel or even to just one mortgage company. To ensure you get the best deal, you want your mortgage broker to offer advice and shop around from the whole market, not just a chosen few.

What fees do they charge? This will very much depend on individual circumstances. A reputable broker will have a set fee scale, and you should be informed of this under new regulations set by the Financial Services Authority (FSA). This is very important particularly for a first time buyer who may have a set budget for fees.

Will they have your best interests at heart and treat you fairly? Your broker will normally receive a commission from the mortgage lender on completion of your mortgage. The amount will vary between lenders. A reputable broker will recommend the best mortgage for you, not the mortgage which pays the highest commission. They will also advise you, up front, of their fair treatment charter. Don’t be afraid to ask your broker questions about this.

Are they suitably qualified and experienced. A reputable broker must have the CeMAP qualification and should be able to demonstrate this to you on request. Although many years experience is not necessarily essential, it will give you peace of mind to know that your broker knows his or her market well and can use their knowledge to ensure that you receive best advice at all times.