Business Details
Trusted Mortgage Brokers in Truro, Cornwall
Established in Cornwall over 15 years ago, we are an FCA-regulated mortgage brokerage dedicated to providing independent, client-focused financial solutions. Our team of qualified advisers combines deep industry expertise with a commitment to simplifying the mortgage process for first-time buyers, investors, and complex cases. We leverage advanced market analysis tools to access 10,000+ mortgage products, ensuring tailored recommendations that prioritise long-term financial stability over short-term gains.Our service model eliminates hidden fees and redemption penalties through transparent consultations, while our national reach and local Truro-based operations maintain a personal touch. With a track record of 1,500+ satisfied clients, we specialise in bridging market gaps for commercial mortgages, equity release, and specialist lending scenarios.
Services
Mortgage Advice
Remortgage Services
Buy to Let Mortgages
Equity Release
Commercial Mortgages
HMO Mortgages
Bridging Loans
Self Build Mortgages
Adverse Credit Solutions
Income Protection Insurance
Highlights and features
- 15 years of specialist mortgage advisory experience
- FCA-regulated with transparent fee structure (typical 400 advice fee)
- Access to 10,000+ mortgage products nationwide
- Qualified advisers with minimum 5 years' industry experience
- No hidden fees or redemption penalties
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Super helpful and friendly
Fantastic service
Great mortgage deal
Efficient process
Highly recommend
Services
Mortgage Advice
We provide comprehensive mortgage advisory services covering residential and commercial properties. Our FCA-qualified advisers assess individual financial circumstances to recommend suitable products from 10,000+ options across the UK market. With specialist expertise in complex cases including adverse credit and self-employed applicants, we ensure transparent advice without hidden fees or redemption penalties.
Equity Release
Our equity release specialists help homeowners aged 55+ access tax-free capital from their property. We offer impartial advice on lifetime mortgages and home reversion plans, explaining implications for inheritance and benefits. The service includes detailed comparisons of interest rates and repayment options to ensure clients understand long-term financial impacts.
Commercial Mortgages
We specialise in commercial mortgage solutions for property investors and business owners. Our services cover office buildings, warehouses, and retail units with access to mainstream and specialist lenders. The advisory process includes business financial assessments and lender suitability analysis to secure competitive rates for both standard and complex commercial financing needs.
Buy to Let Mortgages
Our buy-to-let specialists provide tailored mortgage solutions for property investors. We offer guidance on rental yield calculations, portfolio management, and tax implications. With access to specialist lenders, we help clients secure financing for single properties or large-scale investment portfolios across the UK private rental sector.
Remortgage Services
We help homeowners remortgage to secure better rates or release equity. Our service includes penalty calculations for existing mortgages and market comparisons to identify optimal refinancing opportunities. Advisers specialise in complex cases including adverse credit history and non-standard income verification for self-employed applicants.
People
Ryan
Director
With over 5 years' experience in mortgage advisory services, Ryan leads our Truro office. He specialises in complex mortgage cases and has helped numerous clients secure financing despite adverse credit histories. Ryan combines technical expertise with a client-focused approach to ensure transparent financial solutions.
Questions
What mortgage options exist for self-employed applicants?
We specialise in self-employed mortgage applications, requiring SA302 forms or accountant verification. Our advisers access lenders offering flexible income assessments and help calculate affordability based on business financials.
How does equity release affect inheritance?
Equity release reduces the value of your estate. We explain lifetime mortgage interest accumulation and home reversion plan percentage ownership to help clients understand inheritance implications before committing to any agreement.
Can you help with adverse credit mortgages?
Yes, we work with specialist lenders offering mortgages for applicants with CCJs, defaults, or bankruptcy history. Our advisers assess individual circumstances to identify lenders most likely to approve applications based on specific criteria.
What fees apply to mortgage advice?
Our typical advice fee is £400, covering full market analysis and application submission. We provide written fee disclosures before starting work, with no hidden charges for redemption penalties or lender arrangement fees.
How quickly can a mortgage complete?
Simple cases complete in 4-6 weeks. Complex applications involving specialist lenders or additional documentation may take 8-12 weeks. We expedite processes through direct lender contacts and electronic document verification systems.
