Steady advice for the biggest decisions.
Mortgages, personal protection and relevant life cover, explained in plain English by people who pick up the phone.
A personal relationship, not an algorithm.
Buying a home should feel orderly and reassuring. Too often it doesn't. Lenders lean on automated decisions and call-centre queues, and if your income comes from dividends, day rates or a business of your own, the computer has a habit of saying no.
We take a quietly different view. You'll deal with the same small team from your first call to the day you get your keys, and we'll explain every option in plain English before you decide anything.
Meet the teamHow we can help
Mortgages
First homes, moves, remortgages, buy-to-let and second charge mortgages, including for the self-employed and company directors.
Protection and health
Life insurance, critical illness cover, income protection and family income benefit, with policies written in trust at no charge.
Business protection
Relevant life cover for directors, paid for by the business. Key person and shareholder protection through a trusted specialist.
Through our specialist network
Bridging finance
Auctions, broken chains, refurbishments and development exits.
Commercial finance
Business premises, larger portfolios, development finance and business loans.
Later life lending
Lifetime mortgages, retirement interest-only and helping family.
General insurance
Home, landlord and business insurance, through our specialist partner.
Where we don't advise ourselves, we bring in a specialist adviser we work with closely and stay involved from start to finish. Each page explains how that works.
Who we help
First-time buyers
From deposit to keys, explained properly. We'll tell you what you can borrow before you fall for a place.
Buying your first homeHome movers
A sale, a purchase and an existing mortgage, all lined up so the chain keeps moving.
Moving homeRemortgaging
Deal ending soon? We'll compare staying with your lender against switching, up to six months ahead.
Remortgages and product transfersLandlords
Buy-to-let in your own name or through a limited company, from your first let to a growing portfolio.
Buy-to-let mortgagesSelf-employed and directors
Dividends, retained profits or day rates. We know which lenders look at the full picture.
Complex incomeProtecting what you've built
Life, critical illness and income protection, so the plan holds if life takes an unexpected turn.
Personal protectionBusiness owners
Relevant life cover for directors, and the right specialist for key person and shareholder protection.
Business protectionLater life
Releasing equity or borrowing into retirement, with a specialist who looks at every alternative first.
Later life lendingInvestors and developers
Auction purchases, refurbishments and development exits, with a clear plan for repayment.
Bridging and commercial
Good advice should feel like a conversation at the kitchen table, not a form to fill in.
How it works
A conversation
We start by listening: what you're planning, your timings and anything that's worrying you. No forms, no pressure.
Your details, once
You share your information through a secure online fact-find, so you won't be asked the same question twice.
Our recommendation
We search the market for you, then explain our recommendation, and why, in plain English. You decide.
Through to completion
We handle the application and keep in touch with the lender, the valuer and your solicitor, and we tell you what's happening without you having to chase.
Still here afterwards
We don't disappear when you get the keys. We'll be in touch well before your deal ends, so you can review your options in good time.
The people you'll talk to
More about us
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Questions people ask us
How much does mortgage advice cost?
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances. We'll tell you what it is, and agree it with you in writing, before we give any advice.
Do I have to use a particular solicitor?
No. You're free to choose your own conveyancer. With your permission, we'll keep in touch with them so the mortgage and the legal work move forward together.
Will talking to you affect my credit score?
An initial conversation doesn't involve a credit check. If we later recommend applying for a decision in principle, some lenders run a credit search, and we'll always tell you before anything is submitted.
How long does it take?
Every case is different. A decision in principle can often be arranged quickly, while a full mortgage offer usually takes a few weeks, depending on the lender and the valuation. We'll give you a realistic timetable at the start and keep you updated.
I'm self-employed. Can you still help?
Yes. Many lenders want two years' accounts or tax calculations, but some will consider less, and some look at a company's profits rather than just what you draw. We'll explain what your options are.
Do you advise on protection too?
Yes. We advise on life insurance, critical illness cover, income protection, family income benefit and relevant life cover. Business protection, such as key person cover, is referred to a trusted third party adviser.
Start the conversation
Tell us a little about what you're planning. A member of the team will come back to you, usually within one working day.
- Call
- 01386 303000
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