Are you really receiving ‘True Independent Advice’?

Some advisers claim to offer ‘independent’ advice without actually offering 100% of mortgage products currently available. It is becoming increasingly common for lenders to offer different deals via their direct channels to those available from intermediaries such as ourselves. Many advisers therefore restrict their advice to products made available to them which pay them commission and not direct products which do not pay them commission. Our aim is to provide unbiased professional advice whether the most suitable option is a ‘direct’ product or an ‘intermediary only’ product.

True Independent Advice

We have access to the entire market via software that includes direct products. Sometimes this will mean recommending a provider that might only accept business directly and therefore not pay us commission. As a result we work on a fee basis to cover our work but this ensures you have access to the very best schemes available at any given time.

Our mortgage service is dedicated to understanding your needs and finding you the best mortgage to match your individual circumstances. The deal with the lowest interest rate may not necessarily be the most suitable option. It’s important to take into account the various mortgage fees associated with the product. This is where our expertise comes in. We will ensure the product selected is suitable to meet your individual requirements.

Questions to ask yourself

Whatever your needs we will work with you to find the best solution, whether it be in relation to a Purchase (next time buyer, first time buyer, new build purchase, government funded scheme), Remortgage, Capital Raising or a general Mortgage Review to ensure you are not paying more than you should be.

Insurances

Remember that we will also help you make sense of the various insurances that you should consider ensuring you and your family are protected. Never take insurance with the lender before first checking how competitive it is with an independent adviser.