Business Details
20 Years
experience
Your Trusted Mortgage Partner in Shanklin
At 1st Call 4 Mortgages, we prioritise your needs by leveraging our expertise as a team of specialists in mortgage and protection services. Founded in 2006, our business was built on the principle of providing independent advice to help clients navigate the complexities of the market. Our advisers, with over 70 specialists and 10,000+ clients, offer tailored solutions for diverse circumstances, including self-employment and credit challenges. We pride ourselves on accessing the whole of the mortgage and protection market, ensuring we align with lenders most likely to approve applications.Our commitment to transparency and client-centric service extends from initial consultation through to mortgage completion and beyond. With a focus on innovation and ethical practices, we provide free initial guidance and support for first-time buyers, home movers, and buy-to-let landlords. Our regulatory compliance and authorisation by the Financial Conduct Authority underscore our dedication to professional standards. By combining technical expertise with a personalised approach, we aim to simplify the mortgage journey for all clients.
Services
Residential Mortgages
Protection Mortgages
Investment Mortgages
Commercial Mortgages
Buy-to-Let Mortgages
Details
- Year established: 2006
Highlights and features
- We are authorised and regulated by the Financial Conduct Authority for mortgage and insurance mediation.
- Access to the entire market of mortgage and protection lenders ensures competitive options.
- Over 70 specialists with expertise in complex cases, including self-employment and credit issues.
- Free initial consultations with no obligation or hidden fees.
- Tailored support from application to completion, including legal and insurance arrangements.
Associations and certifications
- Financial Conduct Authority
Services
Residential Mortgages
Residential mortgages facilitate home purchases for personal occupancy, catering to first-time buyers, home movers, and remortgagers. We offer tailored advice on fixed-rate, variable-rate, and tracker mortgages, ensuring affordability assessments align with lender criteria. Our specialists simplify equity release and second-charge options for debt consolidation or home improvements.
Protection Mortgages
Protection mortgages safeguard against financial risks through life insurance, critical illness cover, and income protection. We provide bespoke policies to secure mortgage payments during unemployment, illness, or disability. Our advisers ensure coverage aligns with individual needs, including private medical insurance and landlord-specific policies.
Investment Mortgages
Investment mortgages cater to property investors seeking rental income or capital growth. We specialise in buy-to-let, holiday lets, and portfolio landlord financing, with affordability assessments based on projected rental income. Our team navigates complex HMO and development finance requirements for property portfolios.
Commercial Mortgages
Commercial mortgages support businesses acquiring or refinancing premises, including offices, retail spaces, and agricultural properties. We arrange owner-occupied, investment, and bridging loans, with terms tailored to business cash flow. Specialist products cover semi-commercial mixed-use properties and development projects.
People
Paul Butler
Director
Paul Butler founded 1st Call 4 Mortgages in 2006 after qualifying as an Independent Financial Adviser in 1993. His 30+ years of experience drive our client-first ethos, focusing on accessible mortgage solutions for diverse circumstances.
Questions
What types of mortgages do you offer?
We provide residential, commercial, investment, and protection mortgages, including buy-to-let, remortgage, and first-time buyer schemes.
Are your services regulated?
Yes, we are authorised and regulated by the Financial Conduct Authority for mortgage and insurance mediation activities.
Do you charge for initial consultations?
No, our initial consultations are free with no obligation, ensuring transparent advice from the outset.
Can you help with bad credit mortgages?
Our specialists have expertise in adverse credit cases, working with lenders who consider unique circumstances and repayment histories.
How do I start the mortgage process?
Contact us via phone or our website to discuss your requirements. We'll assess your situation and match you with a suitable adviser.
