Business Details
25 Years
experience
Expert Mortgage Advice in Barnstaple
Established in 2001, we are independent mortgage brokers operating across North Devon with over 40 years of combined experience in the mortgage sector. Our team provides impartial advice on residential and commercial mortgages, secured loans, and insurance products tailored to individual client needs. We maintain no ties to banks or building societies, ensuring access to the entire mortgage market for optimal client solutions.Our advisors hold relevant qualifications and regulatory approvals, including FCA authorization under registration number 587827. We prioritise client education through detailed market research and transparent communication about mortgage risks, including repossession warnings for secured loans. The business operates from a central Barnstaple office with pre-booked Saturday appointments available.
Services
Mortgages
Loans
Insurance
Bridging Loans
Commercial Loans
Income Protection
Equity Release
Secured Loans
Details
- Year established: 2001
Highlights and features
- 40+ years combined experience in North Devon's mortgage market
- Independent advisors with whole-of-market product access
- Tailored solutions for residential and commercial property needs
- FCA regulated with registration number 587827
- Pre-booked Saturday appointments available
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Advice
We provide independent mortgage advice across North Devon, offering access to the entire mortgage market. Our FCA-regulated advisors help clients with residential purchases, buy-to-let investments, and remortgaging. With over 40 years of combined experience, we tailor solutions to individual financial circumstances while explaining associated risks.
Bridging Loans
Our bridging loan service provides rapid funding solutions secured against residential or commercial properties. Completion typically occurs within 7-10 working days, with flexible terms for property transactions. We advise on both regulated and unregulated bridging products for North Devon businesses and homeowners.
Income Protection
We offer income protection policies covering accidental injury or illness scenarios. Our advisors help clients determine appropriate monthly benefit levels to maintain lifestyle security. Policies include level term assurance and accident, sickness, and unemployment (ASU) cover options tailored to individual needs.
Commercial Loans
Specialist commercial loan arrangements for North Devon businesses in hospitality, healthcare, retail, and property sectors. We connect clients with suitable lenders for property purchases, expansions, or working capital needs. Our advisors understand the unique financing requirements of different business types.
Equity Release
Tailored equity release solutions for homeowners aged 55+. We explain lifetime mortgage options to release property equity while maintaining residency rights. Our advisors ensure clients understand the long-term implications and alternative options before proceeding with this specialist financial product.
People
Ian Palfreeman
Financial / Mortgage Advisor
Independent mortgage advisor since 2001 with 30+ years financial services experience. Former Lloyds Bank senior consultant providing tailored mortgage solutions across North Devon while maintaining strong client relationships.
Jason Morgan
Financial and Office Manager
Experienced financial services professional with 30+ years banking experience including Natwest. Joined in 2013 to ensure smooth client transactions and efficient mortgage processing through his industry knowledge and management expertise.
Tony Griffin
Mortgage Advisor
Qualified mortgage advisor since 2023 with prior administrative experience in local mortgage firms. Specialises in making complex mortgage processes accessible to clients while maintaining professional standards in North Devon property transactions.
Questions
What mortgage services do you offer in North Devon?
We provide residential mortgages, buy-to-let financing, remortgaging, equity release, and commercial property loans across North Devon with tailored solutions for individual circumstances.
How experienced are your mortgage advisors?
Our team has over 40 years combined experience in North Devon's property market, including former bank managers and senior financial consultants providing FCA-regulated advice.
What loan options are available through your service?
We arrange secured loans, bridging finance, and commercial lending solutions with completion times as fast as 7 working days for suitable applicants across Devon.
Which areas do you serve from Barnstaple?
We primarily serve North Devon including Barnstaple, Bideford, Braunton and surrounding areas with both in-person appointments and remote advisory services.
What risks should I understand about mortgage products?
All secured loans carry repossession risks if repayments aren't maintained. We explain these risks clearly alongside alternative options during our transparent advisory process.
