With the complexities of the current Mortgage Market and the fall-out likely to follow the establishment of new government controls due to take effect in November 2004 it is essential that people have someone to turn to help them to get the right mortgage for them.

My commitment is to do exactly this and make sure that I look after my clients for the remainder of their mortgage term. I will ensure that I will review your arrangements at the right time and offer advice where I feel you would benefit.

Service commitment

• 1. Know your relevant personal and financial circumstances well enough to ensure you get the best mortgage for you
• 2. Keep our information sources and records up to date to ensure you get the widest possible choice of mortgage schemes.
• 3. Build and maintain relationships with Lenders to ensure the swift and efficient processing of your application.
• 4. Administer your application efficiently ensuring you are kept informed of its’ progress
• 5. Provide advice about how to protect your mortgage and home
• 6. Liaise with Solicitors and Estate Agents on your behalf, if you require, to take away any hassle from you.
• 7. Maintain my personal Qualifications (CeMAP & FPC) and knowledge of the mortgage market.
• 8. Ensure that all my dealings with you will fully comply with the requirements of the Financial Services Authority

Additionally

I also personally commit to you that I shall be straight, honest, diligent, thorough and efficient in all my dealings with you.

Mortgages

• Buying your home
• First time buyer
• Buying a New home
• Building your own home
• Council Right to Buy Scheme
• Buying a Holiday home
• Buying a home for a dependent relative
• Buying a property to let
• Buying commercial premises

Remortgages

• Finding you a lower interest rate
• Fixing your interest rate
• Raising money
• Releasing Equity
• Buy out a former partner’s interest
• Reducing your payments
• Consolidating debt
• Transfer to a more flexible mortgage
• Offsetting your mortgage interest against savings
• Shortening your payment term

We can also help when customers have:

• Imperfect credit history/rating (CCJ’s, defaults, IVA’s & Bankrupt)
• No proof of income
• Less then three years Self Employment

We deal with all Lenders via the latest Computer Software sourcing system and often applications can be submitted instantly online – saving our customer’s time and eliminating the worry of losing things in the post