Wherever you decide to call home,
we’re here to help you
Our Reviews
Julie
Harry
Our mortgage consultancy services
First time buyers /Family and friends assisted
We understand that buying your first home is a massive decision and the world of property and finance can be a confusing and intimidating place. That’s why we make sure our clients feel confident and fully understand the complete process, with friendly, reassuring, accurate explanations.
Remortgaging/Moving home
Buying or selling property is stressful. We liaise with estate agents and solicitors on your behalf to ensure the process is as smooth as possible to a successful completion. Peace of mind knowing you have professionals with over 25 years of experience working for you.
Investors / BTL
This is a specialist market and requires careful consideration. We will guide you through and make sure you have a clear understanding of this type of investment. Our financial advising expertise has assisted many of our clients to grow lucrative investment portfolios.
Lending into retirement
It used to be that mortgages finished on retirement. That's No longer the case! Now there are new specialist lenders with grown up products. They realise that people are individual and are prepared to look at applications on a case to case basis.
A little about us
Homes Mortgage Consultants have been presenting clients with an independent, professional, insider’s view of the whole intermediary mortgage market for many years. Our personal approach is friendly and with a smile, we are here to help people not baffle or confuse with corporate jargon.
We pride ourselves on a business ethos of complete customer focused satisfaction. Our purpose is ensuring customers have a full clear understanding of all aspects of mortgages and the property buying process, enabling them to make the most appropriate decisions, providing total peace of mind. We view our personalised business relationship with clients, as being the start of an ongoing programme to continually provide the best advice throughout the lifetime of their mortgage, as family and personal circumstances change.
Frequently asked questions
Are you independent?
Yes. Directly authorised and regulated by the Financial Conduct Authority. Details in the regulatory statement at the bottom of the page.
Are you registered by the Data Protection Scheme?
Yes. I abide by this very strictly. Your details are kept completely private and are not passed or discussed with anyone else apart from the bank to whom we are applying. This may not be the case when you approach a mortgage adviser who is typically working in the office of his employers, i.e estate agents, who may be involved with any sale or purchase of property you have interest in.
Do you have access to the Whole of the Market?
Yes. I search independently of any specific lender and treat each potential client as specifically unique.
I will demonstrate how and why I’ve arrived at my recommendation.
Unlike tied agent advisers that typically work within estate agents, I don’t have sales targets or pushed towards lenders to build up business levels to receive preferential links.
What are your fees?
There are no fees for my advice, sourcing products or providing figures and information. I only charge you a fee of £299, once you are in receipt of the mortgage offer letter, guaranteeing to lend the mortgage. Subsequent product transfers on expiry of that product with the same lender only incur a fee of£99.
Contact us today
Let’s make your next move simple — get in touch today for friendly, expert advice.
