Business Details
Expert Mortgage Advisers in Nympsfield
Welcome Home Mortgages is a dedicated mortgage advisory service led by Stephen Thatcher, a seasoned professional with over 30 years of experience in property and finance. We specialise in providing tailored mortgage solutions for individuals and businesses, ensuring clients receive expert guidance through every stage of their property journey. Our services extend to remortgaging, buy-to-let portfolios, and specialist mortgages for self-employed individuals, zero-hour contract workers, and those with complex financial histories. We prioritise transparency, offering free initial consultations and fixed fees for residential applications, while maintaining partnerships with over 65 lenders to secure competitive deals.Our commitment to client education demystifies the mortgage process, ensuring informed decisions. As an Appointed Representative of Cornerstone Finance Group Ltd, authorised and regulated by the Financial Conduct Authority, we uphold the highest standards of professionalism and compliance. Our approach combines technical expertise with a personal touch, ensuring clients feel supported and confident in their financial choices.
Services
Mortgage Advice
Buy-to-Let Mortgages
Remortgaging
Protection Plans
Home Insurance
Highlights and features
- We offer 30+ years of mortgage advisory experience with a client-first approach.
- Access to over 65 lenders ensures competitive mortgage deals for all circumstances.
- Transparent pricing with no fees for remortgages or insurance consultations.
- Specialist expertise in mortgages for self-employed, zero-hour contract workers, and CIS contractors.
- FCA-authorised service guaranteeing regulatory compliance and professional standards.
Associations and certifications
- Financial Conduct Authority
What people say
Diligent mortgage advisor
Quick and easy process
Patient and helpful
Fantastic service
Highly recommended
Services
Mortgage Advice
We provide comprehensive mortgage advice tailored to individual circumstances, including first-time buyers, home movers, and those with complex financial histories. Our service covers fixed-rate, variable-rate, and specialist mortgages, ensuring clients secure the most suitable deal. With access to over 65 lenders, we simplify the application process and offer ongoing support until completion.
Buy-to-Let Mortgages
Specialist buy-to-let mortgage solutions for landlords seeking to expand their property portfolios. We advise on tax-efficient structures, portfolio management, and financing options for student lets, HMOs, and holiday homes. Our expertise includes navigating lender criteria for limited companies and ensuring compliance with regulatory requirements, providing tailored strategies to maximise returns.
Remortgaging
We assist clients in remortgaging to secure better rates, release equity, or adjust terms. Our service includes assessing existing deals, negotiating with lenders, and identifying cost-saving opportunities. We ensure seamless transitions without unnecessary fees, prioritising clients' financial goals while maintaining compliance with current regulations and market conditions.
Protection Plans
Our protection plans safeguard clients against financial crises through life insurance, critical illness cover, and income protection. We tailor packages to individual needs, ensuring families remain financially secure in unforeseen circumstances. By explaining complex options clearly, we help clients choose policies that align with their mortgage commitments and long-term stability.
Home Insurance
We offer buildings and contents insurance advice to protect homes from accidents, emergencies, and disasters. Our focus is on securing comprehensive coverage that balances cost and protection, avoiding false economies. We guide clients through policy options, ensuring they understand terms and exclusions while prioritising financial security for unexpected events.
People
Stephen Thatcher
Mortgage Advisor
Stephen Thatcher has over 30 years of experience in mortgage advisory services, specialising in residential and buy-to-let mortgages. He prioritises client education and transparency, treating customers with the empathy he wished for when purchasing his first home. Based in Nympsfield, he serves clients nationwide with personalised solutions.
Questions
What types of mortgages do you offer?
We offer residential, buy-to-let, remortgage, and specialist mortgages for self-employed individuals, zero-hour contract workers, and those with complex financial histories.
Are there fees for your mortgage advice?
Initial consultations are free. We charge a £470 non-refundable fee for residential mortgage applications but no fees for remortgages, protection, or home insurance advice.
How do you find competitive mortgage rates?
We access over 65 lenders and exclusive deals, ensuring clients receive competitive rates tailored to their financial circumstances and property goals.
Can you help with buy-to-let mortgages?
Yes, we specialise in buy-to-let mortgages, including portfolio management, tax-efficient structures, and financing for HMOs, student lets, and holiday homes.
What protection services are available?
We offer life insurance, critical illness cover, and income protection plans tailored to mortgage holders, ensuring financial security for dependants in unforeseen circumstances.
How are you regulated?
We are an Appointed Representative of Cornerstone Finance Group Ltd, authorised and regulated by the Financial Conduct Authority, ensuring compliance with industry standards.
