Business Details
We are a dedicated team of mortgage and insurance specialists based in Cornwall, established in 2012. Our founder, Tom Crapp, has over 16 years of industry experience, qualifying as a broker in 2007 through The Chartered Insurance Institute. We pride ourselves on building long-term relationships through referrals from satisfied clients and local property experts. Our team includes experienced advisers like Liz Bignell, who joined in 2016 with a background in compliance and risk management, and Chirstie Perryman, who brings estate agency expertise gained prior to joining in 2020. Dani Molloy, with a decade of financial services experience, and Tina Jenkins, boasting over 25 years in the industry, further strengthen our collective knowledge.
We specialise in guiding clients through complex mortgage structures, including Limited Companies and SPVs, while maintaining a personal touch for first-time buyers. Our commitment to ongoing professional development ensures we remain at the forefront of industry standards. We actively engage with our local community, supporting sports and outdoor activities that reflect our Cornish roots. Client satisfaction remains our priority, with tailored advice designed to secure financial security and peace of mind. Our comprehensive approach combines technical expertise with empathetic support, ensuring every client feels valued and informed throughout their journey.
We specialise in guiding clients through complex mortgage structures, including Limited Companies and SPVs, while maintaining a personal touch for first-time buyers. Our commitment to ongoing professional development ensures we remain at the forefront of industry standards. We actively engage with our local community, supporting sports and outdoor activities that reflect our Cornish roots. Client satisfaction remains our priority, with tailored advice designed to secure financial security and peace of mind. Our comprehensive approach combines technical expertise with empathetic support, ensuring every client feels valued and informed throughout their journey.
Highlights and features
- We offer over 25 years of collective industry experience
- Our advisers hold certifications from Chartered Institute and CeMAP
- We specialise in complex mortgage structures including SPVs
- Our insurance expertise protects homes, families, and lifestyles
- We maintain a community-focused approach with local engagement
Services
First Time Buyer
Our First Time Buyer service supports individuals entering the property market for the first time. We provide clear guidance on mortgage options, affordability calculations, and the home-buying process. Clients benefit from our expertise in securing favourable rates and explaining legal requirements in accessible terms.
Re-mortgage
Our Re-mortgage service helps homeowners optimise existing mortgage arrangements. We analyse current deals, identify potential savings, and negotiate with lenders to secure better terms. Clients gain access to improved rates, cashback offers, and structured repayment plans tailored to their financial goals.
Buy to Let
Our Buy to Let service caters to property investors seeking rental income solutions. We advise on suitable mortgage products, tax implications, and portfolio management strategies. Landlords benefit from our expertise in securing competitive rates and navigating regulatory requirements.
Life Insurance
Our Life Insurance service provides financial protection for families in the event of death. We offer term, whole life, and joint policies tailored to individual needs. Clients receive peace of mind knowing their loved ones will have financial security regardless of circumstances.
Critical Illness Cover
Our Critical Illness Cover offers financial support following serious health diagnoses. We explain policy benefits, payout structures, and claim processes clearly. Clients gain protection against mortgage payments and living costs during recovery periods.
