We search and compare mortgage products from a wide range of lenders, including high-street banks, building societies, and specialist lenders.
In-depth interviews to understand your financial circumstances, including income, expenses, credit history, and deposit size.
We present the most appropriate mortgage products and explain terms, interest rates, fees, and repayment structures clearly.
Complete assistance with application forms, gathering documentation, and submitting to lenders for smooth processing.
We act as your main contact between lender, estate agents, and solicitors to ensure a smooth process to completion.
Assessment of your need for life insurance, critical illness cover, and income protection to secure your mortgage.
The profession is regulated by the Financial Conduct Authority (FCA). The mandatory qualification required to practice in the UK is the Certificate in Mortgage Advice and Practice (CeMAP), or an equivalent Level 3 qualification.
CeMAP is considered the industry benchmark, covering UK financial regulation, mortgage law, policy, and market specifics.
Beyond qualifications, successful advisors possess strong communication skills, analytical abilities, high levels of organisation, and a commitment to ethical, customer-focused service.
Advisors often have access to a broader range of products, including exclusive deals not available directly to the public.
We can navigate complex lending criteria, particularly valuable for clients with non-standard income (e.g., self-employed) or challenging credit histories.
An advisor handles the paperwork and liaises with all parties, streamlining a time-consuming process so you can focus on other priorities.
Continued relationship throughout the mortgage term, including remortgaging advice and protection reviews.
Direct applications eliminate adviser fees, though this may be offset by higher interest rates or less suitable products.
Build a direct relationship with your lender, which may be beneficial for future financial needs.
You'll only see that lender's products, potentially missing better deals available elsewhere in the market.
Requires significant time to research, compare, and manage the application process yourself.