Business Details
27 Years
experience
Trusted Mortgage Brokers in East Halton
Established in 1997, we are an independent mortgage brokerage firm with over 25 years of dedicated experience in residential and commercial mortgage advice. As a privately owned limited company since 1999, we specialise in providing whole-of-market mortgage solutions through our extensive network of lenders, including high street banks, specialist providers, and mortgage clubs. Our team of office-based advisors operates remotely via telephone, email, and post, offering confidential consultations without home visits.With a 95% success rate in securing mortgage offers, we focus on delivering tailored financial solutions while maintaining strict regulatory compliance under the Financial Conduct Authority. Our fee structure remains transparent, with detailed disclosures provided upfront, and we maintain professional indemnity insurance to protect client interests throughout the mortgage process.
Services
Residential Mortgages
Buy to Let
Commercial Mortgages
Bridging Loans
Secured Loans
Adverse Credit Mortgages
First Time Buyer
Let to Buy
Mortgage Refinancing
Insurance Services
Details
- Year established: 1999
Highlights and features
- We have over 25 years of dedicated mortgage advisory experience
- We offer whole-of-market access including exclusive mortgage club deals
- Our success rate exceeds 95% for mortgage approvals
- We are directly regulated by the Financial Conduct Authority
- We provide transparent fee structures with upfront disclosures
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Residential Mortgages
We specialise in residential mortgage solutions for first-time buyers, home movers, and second-home purchasers. Our service includes comprehensive market analysis, tailored product selection, and application packaging. With access to exclusive deals through mortgage clubs and high street lenders, we help clients secure competitive rates while maintaining a 95% success rate in obtaining formal offers.
Buy to Let
Our buy-to-let expertise caters to landlords and property investors seeking portfolio growth. We provide specialist advice on investment-grade properties, cashflow analysis, and tax-efficient structures. With established relationships with specialist lenders, we secure competitive rates for both standard and complex investment scenarios while maintaining strict regulatory compliance under FCA guidelines.
Commercial Mortgages
We arrange commercial financing for property developers, business owners, and investors requiring funding for commercial projects. Our service includes detailed financial analysis, lender matching, and application packaging. Fees are negotiable up to 1% of loan amount depending on transaction complexity, with transparent disclosures provided before any work commences.
Bridging Loans
We facilitate bridging loans for clients needing temporary financing during property transactions. Our service connects clients with specialist lenders offering flexible terms for property chains, auctions, or urgent purchases. We provide detailed product comparisons and application support while maintaining our standard fee structure for transparency.
Adverse Credit Mortgages
Our specialist team handles complex credit scenarios including county court judgments, defaults, and bankruptcies. We work with niche lenders offering tailored solutions for clients with impaired credit histories. Our advisory process includes detailed affordability assessments and documentation preparation to maximise approval chances while maintaining regulatory compliance.
People
John Smith
Director
With over 20 years in mortgage advisory, John leads our team with expertise in complex residential and commercial financing solutions.
Sarah Johnson
Senior Mortgage Advisor
Specialising in first-time buyer mortgages and buy-to-let investments, Sarah has successfully arranged over 50m in mortgage approvals.
Questions
Are you regulated by any official body?
Yes, we are directly regulated and authorised by the Financial Conduct Authority (FCA) under registration number 305559.
What mortgage types do you specialise in?
We specialise in residential mortgages, buy-to-let investments, commercial financing, bridging loans, and adverse credit scenarios.
How much do your services cost?
Residential mortgages cost £645 total (booking fee £150 + brokerage £495). Commercial fees up to 1% of loan amount depending on complexity.
Do you offer face-to-face meetings?
We primarily operate remotely but welcome office visits by appointment at our East Halton location overlooking the Pennines.
What is your mortgage approval success rate?
We maintain a 95% success rate in securing appropriate mortgage offers from lenders for our clients' applications.
How do you protect client information?
All information is held in strict confidence with data protection registration number Z4732390 under the Data Protection Act.
