Business Details
29 Years
experience
Trusted Mortgage Brokers in Exeter | Professional Mortgage Services
Established in 1997, Professional Mortgage Services has built a reputation as a trusted mortgage advisory firm serving clients across Exeter and the wider Devon region. Our team of experienced advisers specialises in providing comprehensive market coverage, offering tailored mortgage solutions for first-time buyers, existing homeowners, landlords, and those seeking remortgage opportunities. We pride ourselves on delivering impartial advice, leveraging our expertise to help clients navigate the complexities of property financing. With a focus on transparency and client education, we guide customers through every stage of the mortgage process, from initial affordability assessments to final product selection. Our services extend beyond standard mortgages to include specialist areas such as buy-to-let portfolios, auction finance, and support for clients with adverse credit histories.We also provide protection advice, including income cover and critical illness insurance, to safeguard clients' investments. As an appointed representative of HL Partnership Limited, we maintain strict adherence to Financial Conduct Authority regulations, ensuring the highest standards of professional conduct. Our commitment to client satisfaction is demonstrated through flexible consultation options, including face-to-face meetings, telephone discussions, and online video conferences. With over 25 years of industry experience, we combine local market knowledge with access to national mortgage products to deliver bespoke solutions. Our fee structure is transparent, with a standard mortgage advice fee of 395 clearly communicated to all clients.
Services
First Time Buyers
Remortgages
Buy to Let
Auction Finance
Mortgage Protection
Income Protection
Critical Illness Cover
Property Insurance
Details
- Year established: 1997
Highlights and features
- We have over 25 years of mortgage advisory experience since 1997
- We offer comprehensive market coverage with access to all major lenders
- Our tailored solutions address complex cases including adverse credit histories
- We provide no-obligation initial consultations with flexible meeting options
- Our FCA-regulated status ensures professional standards and client protection
Associations and certifications
- Financial Conduct Authority
Services
First Time Buyers
Specialist mortgage advice for first-time property purchasers. We guide clients through affordability assessments, government schemes like Help to Buy, and selection of suitable first mortgages. Our service includes comprehensive market comparisons and application support to ensure competitive rates while considering long-term financial implications.
Remortgages
Expert remortgaging solutions to help homeowners secure better rates when exiting fixed-term deals. We analyse current market offerings against clients' specific circumstances, considering factors like equity position, credit history, and financial goals to identify optimal remortgage opportunities without unnecessary product switching.
Buy to Let
Tailored mortgage solutions for property investors, including individual landlords, portfolio investors, and limited company structures. Our service covers portfolio management strategies, yield optimisation, and specialist products for both new acquisitions and existing portfolio refinancing with consideration for tax efficiency and regulatory requirements.
Mortgage Protection
Comprehensive protection planning to safeguard mortgage commitments against life events. We offer income protection policies, critical illness cover, and life insurance solutions designed to ensure mortgage payments can be maintained during periods of unemployment, illness, or following a partner's death through appropriate coverage levels.
Auction Finance
Specialist financing solutions for property purchases through auctions. We work with authorised partners to provide rapid financing options for both residential and commercial properties purchased under the hammer, including bridging loans and short-term financing arrangements with expedited approval processes.
Questions
What mortgage options are available for first-time buyers?
We offer comprehensive advice on all first-time buyer mortgages including Help to Buy schemes, shared ownership options, and 95% LTV mortgages from across the market.
Can you help with remortgaging if I have a poor credit history?
Yes, we specialise in helping clients with adverse credit histories find suitable remortgage solutions through specialist lenders while ensuring affordability.
Do you offer buy-to-let mortgage advice for portfolio landlords?
We provide tailored buy-to-let mortgage advice for both individual properties and larger portfolios, including limited company structures and portfolio management strategies.
What protection options should I consider with a mortgage?
We recommend income protection, critical illness cover, and life insurance to safeguard mortgage payments against unemployment, illness, or death of a partner.
How much does mortgage advice cost?
Our standard mortgage advice fee is £395, which covers comprehensive market analysis, suitability assessment, and application support tailored to your circumstances.
Can you help with auction property financing?
Yes, we partner with specialist lenders to provide auction finance solutions, including bridging loans and rapid-approval mortgages for properties purchased at auction.
