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Frequently Asked Questions
Getting a Mortgage can be a daunting process, and can sometimes be difficult to understand. To help you understand more we have put together a list of our most frequently asked mortgage questions and answers...
Answers
Why should I use a Mortgage Broker?
 Most people only ever go to their own bank to get a mortgage, the bank will then try and fit them into a box which matches their criteria or quotas, they are concerned with protecting their interests as a lender rather than looking out for the interests of the client themselves. Going to your bank may not offer the right deals for your situation, even if you have been with your bank for many years. There are literally thousands of mortgage products and it can be a minefield trying to navigate and find the right one for you. As a broker, we have access to over 50 of the best known high street lenders and even have access to some exclusive deals. This means we may be able to help an individual get a better deal than if they were to go direct to their own bank. Now that is something!

A mortgage broker will work for you on your behalf, looking out for your interests and advocating your cause - ultimately we work for you. We do all the hard work and reasearch by sourcing through thousands of mortgage products using state of the art sourcing systems to find the right one that is suited to your needs and situation. This can save you time and effort and also potentially money by finding you a better rate of interest for your mortgage. It is our responsibility to give you the right most appropriate advice for you.

We can search a wide range of lenders' products and recommend the most appropriate one for you. As mentioned above we have relationships with over 50 of the UK's best known lenders, so you can be sure to get the right advice and products for your situation.

We will work closely with you to help you get the mortgage you need for your property ambitions and to protect your credit file in the process, so that you are not unnecessarily checked which could have a negative effect on your credit score. We will lead you through this process in our initial consultation meeting.

If you apply for a mortgage and for whatever reason the purchase doesn't complete, we will continue to work with you through this to prevent the need in starting from scratch and going through the whole process again and again. It is worth dealing with one broker who can then work with many lenders than to spend your time going through many different lenders yourself.

We give a quality personal service and are always at the end of the phone or email to respond and help you through the process from start to finish. We will always be on hand moving forward in the future helping you move on to your next home or remortgage if necessary, and ensure that you always have the right rates available for you. Since we will already understand you and your circumstances this can be a painless and relatively quick process, and you can always be sure to get quality service and advice every step of the way

The benefits of using a broker are clear. Don't delay, get in touch and see how we can work with you today!
Your home may be repossessed if you do not keep up repayments on your mortgage
Can you get me a mortgage?
 It is our job to do our very best to do exactly that. Different people have different circumstances; whatever your requirements may be, we take on the responsibility of finding you the 'most suitable' mortgage for you, regardless of your circumstances. Whilst we cannot guarantee you will be accepted by a lender for a mortgage, we can certainly do everything we can to work with you and give you the best possible chance of success.

If you have a perfect credit history, a large lump sum deposit and earn a significant salary, it is likely you will have more competitive products and rates to choose from.

The reality is that not everyone will qualify for a mortgage, and not everyone has a perfect credit score, large deposit or a huge generous salary package. It is our job to work with you and understand where you are today, and what you are looking to achieve. We can advise and recommend on your current situation and indicate the likelihood of an application being successful by any of the lenders we work with.

If you have a less than perfect credit history, with missed payments or County Court Judgements (CCJs), a low deposit, or low salary, we can work with you to get you to where you need to be in order to have the greatest chance of success in obtaining a mortgage. In these circumstances it may be possible to find a suitable mortgage for you, albeit the choices and rates may be more restricted and costs or charges maybe higher. It may equally not be possible to find a suitable product or lender, either way we will advise you accordingly. We can discuss this on a case by case basis, depending on your circumstances.

We cannot guarantee every applicant will be accepted and given a mortgage, as this is ultimately down to the lenders if they wish to lend on the circumstances or not. 

What we can guarantee is our commitment and service to work with you and give you the right advice and try and get the most suitable product available for you from all of the lenders on our panel.

We can guarantee our expert advice, help and support along the way when applying for a mortgage. We will do everything we can to support your case and champion your cause with lenders.
Rest assured that we will do everything to help you and your situation to be successful in obtaining the mortgage you need! 

Get in touch and discuss with an adviser today!
Your home may be repossessed if you do not keep up repayments on your mortgage
How much can I borrow?
 This is a tricky one and not as simple as in the past. Gone are the days of when you could simply take an individual's salary and multiply it, by 3, 4 or 5 times and use that as a figure for lending. Whilst an individual's salary and size of deposit has a definite impact on their ability to borrow, a change in regulations and industry standards has seen lenders review and change the way they view and underwrite potential mortgage lending.

Not only do lenders look at salary, gross income and deposits etc. but they focus heavily now on affordability. It would be great to have a salary of £10,000 per month but if your outgoings, expenses and costs of living are £10,001 per month, then you are not going to be able to afford to take on more borrowing and likely need to re-evaluate your current philosophy of managing your money. A lender would not lend to such a client based on affordability - they simply cannot afford to repay a mortgage as their income is more or less all accounted for.

Lenders look at a client's full financial picture and assess their ability to be able to afford mortgage repayments, both now and in the future. This takes into account all income, assets, liabilities and commitments. They use these details to ascertain whether a client can actually afford the new mortgage payments and whether they manage their current financial affairs well. 

The better an individual manages their money and lives within their means, the better chance they have of a lender offering them a mortgage. Ultimately the amount one might be able to borrow varies from person to person. It could be limited by how much of their monthly cash flow they can commit to repaying a mortgage, the type of mortgage, interest rates, deposits, credit history and more. The lender needs to be satisfied that the potential borrower can repay the monthly amount and takes a pragmatic approach to assess this. They will also stress-test the interest rate to assess the likelihood of a borrower being able to keep up the payments should there be an interest rate rise which would affect them in the future, so future affordability can also come into play.

As you can see, simply speaking the annual/monthly salary isn't the only factor, nor is the size of the deposit one may have. Today there is much more to consider when asking how much an individual can borrow on a mortgage. Of course the size of deposit available and the salary (combined salary for joint applications) will play a role in the amount which can be borrowed, although they are not the sole determining factors.

Sound complicated? That is why we are here to help and offer expert advice tailor made to your own circumstances and situation. We will work with you to help you get the funding you need to help you move into your new home.

Get in touch today!
Your home may be repossessed if you do not keep up repayments on your mortgage
How long will it take to get my mortgage?
 From start to finish it can take anywhere from a few weeks to a few months. This depends on many factors. When buying a house there is a process that is usually followed, the mortgage element is one part of that process. To get a decision in principle, which is where the lender agrees to lend based on certain information and facts, this can be a very quick process and can even be done the same day. This is however only the start that will give you an idea of what you can borrow and can be useful when making offers or negotiating a purchase price of a property.

Typically a decision in principle is obtained during the time of searching for a house in order to help speed up the process. If you find a house then try to start the mortgage application, it could draw out the process and you could risk the seller selling to somebody else who already has their finance in place and ready to move quickly.

We help clients to be in a position to be able to move when they find the home they want. Working together we can start the process before you have even found a house, as is mentioned above with the agreement or decision in principle. once you then find the home you want and have agreed a price, we work with you in and move to full mortgage application. At this stage the underwriting process is begun by the lender.

The lender will review the application and do necessary checks and searches on the applicant(s) to ensure that they are happy with the information provided. They will then begin the process of assessing the security which is being offered for the mortgage which is the house being purchased. A valuation is then typically carried out to make sure that the house is adequate security for mortgage amount to be lent. Provided the lender is happy that both the applicants and their information and also the home security it then will make the formal offer of a mortgage.

Once the borrower accepts this offer the case is progressed to solicitors who will then work together for the conveyance process and to execute the purchase and transfer the title of your new home over to you.

The speed at which all of this happens depends on many factors including: seller's position and if they are in a chain or not as this can delay the process; buyers' strength and position financially in applying for a mortgage; workload and processing times of lenders can play a role; surveyors' or valuers' availability for valuations to be carried out; ability of solicitors to work together and efficiently to do searches, issue and exchange of contracts; lenders releasing funds to solicitors for the actual purchase and more.

As you can see there are many factors involved in how quick it can take to get a mortgage. One thing for sure is that we will work with you and help to liaise with all of the parties involved in the process to get the mortgage through as quickly as is practically possible. We know it is both an exciting and scary time for our clients so we take as much worry and stress out of the process as possible so that you can enjoy the journey and experience.

Get in touch today and let us take you through the process.
Your home may be repossessed if you do not keep up repayments on your mortgage
What do I need to do to get a mortgage as soon as possible?
Call Us NOW 0330 808 1984 

The best thing you can do to getting a mortgage as soon as possible is to get in touch and speak with one of our mortgage advisers. The sooner we discuss with you and understand your situation the sooner we can help you and help speed up the process as much as we can. First we need to understand your situation and help you get a decision in principle to move forward.

If we understand your requirements of moving quickly we can tailor our service to your needs; we can discuss and gather information over the phone or skype to save time; we can send out information instantly by email and work together to make sure we provide the same high quality advice and recommendations in the most efficient time possible and without compromise.

We have good relationships and connections with lenders, solicitors, surveyors and more, so we can over see the whole house purchase process, and help to keep delays to a minimum.

Get in touch now! The sooner we get started the better.
Your home may be repossessed if you do not keep up repayments on your mortgage
Is the advice you give restricted?
We can access a range of mortgages from over 50 of the UK's best-known lenders, however we do not offer deals that are only available directly from lenders.

If you are purchasing a property with the help of a shared equity loan, our advice will also cover the shared equity second charge. However, we do not advise on any other second charge mortgages, we do have relationships with specialists in this field and if this is appropriate for yourself we can put you in touch with our partners and contacts that specialise in these areas and who can advise you accordingly, always ensuring a high level of quality and advice throughout the process.

We advise and recommend on first charge mortgages after having assessed your needs. We do not advise on unsecured lending or second charge mortgages.

As a reminder... If you go to your bank or building society for a mortgage, they are only able to offer you advice based on their own product range. They will not advise you on other mortgage products from other providers as this would not be good for their own business, they would have a conflict of interest if they did this. Since they are only able to offer you their own products, these may not actually be the right products or most competitive mortgage deals available to you. 

When you deal directly with us, it is as though you are speaking with over 50 of the UK's best known mortgage lenders in one go through our service and offering. This means getting the right deal out of thousands of mortgage deals from many of these well-known lenders. Why would you go anywhere else?

For our protection propositions we only offer products from a limited number of insurers for life assurance, critical illness cover, income protection, buildings and contents insurance, accident sickness and unemployment insurance and accident protection. We have chosen our insurers carefully and picked companies which are big, well-known insurers that have good standards of customer service and excellent products. We believe that working with these insurers enables us to build good relationships with the insurers and their teams.

Now you understand more about how great our service is, get in touch and get started immediately!
Your home may be repossessed if you do not keep up repayments on your mortgage
I am self employed, are there lenders that may consider my application?
YES! 

More and more people are taking control of their lives and working for themselves and setting up businesses. Mortgage lenders understand and appreciate this change in the marketplace and are providing solutions so that everyone has the chance to own his/her own home.

Whether you are a sole proprietor or a limited company there are lenders in the marketplace that may consider your circumstances, providing that you are running and operating a viable business and have a track record.

We have established relationships with lenders and can find mortgages that will match your needs as Self Employed. Some of these cases will be straight forward; some more complex cases may require more bespoke underwriting. Either way we can assure you of our continued commitment to finding you the right product and our ongoing support throughout the process.

Due to the nature of these cases they can be a little less straight forward than your standard mortgage case and should be regarded on their individual merits. We are happy to review and discuss any queries you may have if you are self employed and looking for a mortgage.

Get in touch today and find out how...
Your home may be repossessed if you do not keep up repayments on your mortgage
What are your fees, and how much do I have to pay?
 We offer an Initial FEE FREE Consultation with no obligation.
  
If we believe we can help you and you are happy to work with us we charge a total fee of £495 for our mortgage advice service. This is payable in two stages: £195 is payable upon full mortgage application, with the remaining £300 payable once the entire process is complete.

We have opted to structure our fees in this way for a number of reasons. You only pay the first part on full mortgage application. The reason for this is that by this stage we will have already spent a considerable amount of time working for you in finding you a suitable product and making our recommendation. If we go to full application, this also means that we have been successful in getting you up to a point where you are ready to make a full mortgage application (through DIP etc.). This £195 due on application also helps you to keep your upfront costs down in the purchase process, as we know there are many other costs to consider.

Most brokers will charge their full fee upfront on application, which is fine to do so, however if there are any delays or problems in the process, they have no incentive to prioritise your case and work to get it over the line as quickly as possible as they have will have already been paid.

The remainder £300 of our fee is then on the completion of your mortgage. We believe this gives us that extra incentive to provide efficient ongoing support and help you throughout the entire process of getting your mortgage right through to completion, not just at the application stage.

There are no refunds on our advice fee as you can understand, there has been considerable time and effort from our advisers to get you to the full application stage. 

However, this being said if there are any problems throughout the process and for some unforeseen reason the application does not complete, then there are two advantages: firstly you haven't paid out the full amount upfront which would have meant no refund on the full amount of £495; secondly we will simply transfer the fee and work with you on another property or with other lenders and continue to work and seek alternatives and do our best to get you a mortgage.

Again this incentivises us to provide you with the right advice and quality to not only advise and recommend a mortgage product, but to help you throughout the process and get you into that new home and get the process completed efficiently.

This sets us apart from the majority of mortgage brokers who will take their non-refundable fee upfront.

It can be typically British to shy away and skip over the awkward discussions of 'fees'. The Financial Conduct Authority (FCA) stipulates that we should discuss and disclose our fees as soon as possible in the process of establishing a relationship together. 

So here you have our fee structure a total of £495, split into two payments: £195 on application and £300 due on completion of your mortgage. If no mortgage ever completes then the £300 will never be payable.
Your home may be repossessed if you do not keep up repayments on your mortgage
What is it you get for your fee?

You get our expert, regulated mortgage & protection advice and service tailored to your specific needs. We work with you to make sure you get the right advice and the right deal, saving clients time and effort on what is usually the biggest purchase and financial commitment in a person's life.

We will initially have our FEE FREE consultation where we will talk you through the process and our service. We will discuss your needs and circumstances and complete a Fact Find exercise which will give us the information to understand your situation and enable us to get started. Once we have all the necessary information we need we will begin working immediately on your case.

We then will require standard documents i.e. ID, proof of address, income etc. for each applicant. We will tell you exactly what we require. Once we have received these documents, we can progress your case and begin our sourcing and research using our professional experience and expertise in researching the mortgage market finding you the right product.

We will seek to match your needs and requirements to the criteria of the lenders to find a perfect match. The result is the right mortgage and protection products recommended specifically for you.

Once the lender is identified, we will discuss your case with them and make sure they are happy with the basic facts. We then complete the decision in principle form and submit it to the lender. If the lender accepts to lend on this information they will then issue an agreement in principle.

This process can take many hours (and in some cases days) to complete, but by the end of the above stages, you will know there is a suitable lender and mortgage that matches your needs. Up until this point you have still not paid us anything for our time or service, as our fee is only due in part on FULL MORTGAGE APPLICATION.

After this stage is complete and both yourself and the lender are happy to progress, then now we can move forward to 'full mortgage application'. Since we will already have all of your details and documents, we can submit this full application to the lender promptly. Following full submission of an application, the first part of our fee will now become due and we shall issue an invoice. This invoice will be issued immediately following a submission of a full application for our professional services and advice.

Following the submission of the full application, we continue to liaise with agents, solicitors, lenders and yourself until the whole process is completed. You will have full access to us and our services during this time, although it is most likely you will hear from us more than we hear from you during this process. Once the mortgage has been completed the remainder of our fee will be payable.

A typical case will take us around 20 hours worth of work to complete over a 4-6 week period.

Remember you are our client and we work for you. However during the process we undoubtedly do some work for the lender also and they usually pay us a procuration fee for the work we do on their behalf in addition to the advice fee we charge our clients - A list of all lender procuration fees is available on request, however this will be fully disclosed in any mortgage illustration provided before DIP stage.

We do not charge a separate advice fee for our protection and insurance advice as this comes as standard to our mortgage advice service and as our duty of care is to ensure you are advised correctly and adequately protected for all eventualities. Again we are paid by the insurers for the work we do on their behalf, this again will be fully disclosed on any key facts documents before taking a product or policy.

Contact us now and let's get started in helping you today...
Your home may be repossessed if you do not keep up repayments on your mortgage
What is a DIP or AIP, and how can I get one?
 A DIP is a lender’s 'Decision in Principle'.

A DIP, can be sometimes called Agreement in Principle (AIP), it is the confirmation that the chosen, recommended lender has provisionally agreed to lend to you (subject to satisfactory proof of income, credit scoring and/or searches, and a property assessment/survey/valuation).

What’s the point in getting excited about a mortgage if the lender won’t actually lend to you?

Following the process, we assess your information, match your requirements to a suitable lender’s criteria, and then apply to the mortgage lender to get their confirmation that they are happy to lend to you based on the information provided. With this information, you know that as long as you can comply with the lender’s requirements and have been honest on the information provided with full disclosure, they will in theory lend to you.

You like them, and they like you – a perfect match!

This allows you to continue with your house-hunting safe in the knowledge that (subject to underwriting) you will have the funds to carry through the purchase once your offer has been accepted, if you have not already found the house you wish to buy.

DIPs are usually valid for between 30 and 90 days, sometimes more, and do not leave a hard print in your credit file. They are also available for remortgage cases. Working with us can help to reduce potential refusals and avoid the negative effects of these on your credit file.

Anyone can apply for a DIP provided that they meet the criteria of the lenders. We can work with you in the process of gathering all the information and presenting it to the lenders, giving you the best chance of obtaining an accepted Decision in Principle.

Let’s get the ball rolling for you... Contact us today!
Your home may be repossessed if you do not keep up repayments on your mortgage
Is a fixed or variable rate best?
 The answer to this one will depend on the individual circumstances.

If an increase in interest rates would significantly affect your monthly budget, and you want to ensure that any future interest rate increase does not affect you for the immediate future (let’s say between 2 to 5 years), then there are mortgage products available to protect you from such increases. Therefore a ‘Fixed Rate’ mortgage deal may be the most suitable product to choose. Lenders have to ‘crystal ball gaze’ and speculate into the future, and so ‘Fixed Rate’ deals tend to be slightly higher than 'Variable Rate' deals, with the longer term deals being slightly higher than the shorter term deals. This is to balance out the extra risk the lender takes in fixing the rate, as their own borrowing cost may possibly go higher in the future.

However, if you are in a comfortable position financially, and feel that an interest rate increase would not affect you too much, then ‘Variable Rate’ mortgage products (such as Tracker, Discount, Capped or a combination of these types) might be appropriate. Lenders perceive this to be a lower risk and so interest rates are typically slightly less for ‘Variable Rate’ mortgage deals.

As with all these matters, a conversation needs to take place to determine your situation and ‘attitude to risk’ so that the correct mortgage product is able to be recommended to you.

Find out which of these would best suit your circumstances.... get in touch today!

Your home may be repossessed if you do not keep up repayments on your mortgage
What kind of insurance do I need?
 Insurance is used to transfer potential risks of something happening to yourself over to the insurance provider. The type of insurance you may need will depend on your current situation. The insurer then charges a premium for them to take on the risk of the event possibly occurring in the future.

This is an area where a real conversation needs to take place. There are so many different answers to this question that only an experienced adviser can provide the correct answers to this question and recommend appropriate solutions for your insurance needs.

The answers for example will be completely different for a single person with no financial dependants, to that for a married couple with children.

It then depends on any existing arrangements you may currently have: Are they still appropriate for your current needs? Are they still offering the cover you require? And is the cost still competitive? Would you lose any cover if you transferred to another provider?

We can assess your current needs, and tailor a package and offer recommendations specifically to you, within your stated budget.

The level and type of insurance required will depend on any and all potential risks you may face in life. It is our job to ensure that these risks are adequately assessed and covered to ensure that should anything happen, you have complete peace of mind that your situation is covered and you and your family will be protected financially in case of such an event.

We take insurance very seriously and would be happy to discuss your circumstances and insurance needs.

Get in touch today and find out more...
Your home may be repossessed if you do not keep up repayments on your mortgage
I'm very busy, do we have to meet face to face?
 Not unless you really want to.

We deal with people all around the UK via phone and email. We find that meeting up face to face can take up a lot of unnecessary time; certainly for busy clients, it requires extra planning, logistics and travel time. We respect your time and do not wish to take up any more of it than is necessary to get the job done.

To keep our fees competitive and maximise the time we spend working for our clients, instead of always travelling, we find that it is not always necessary to meet face to face. That time can be better spent researching and finding you the right deal, (instead of sitting in traffic on the M6, M25 or other). We are also more than happy to meet in person, by appointment, should you feel it necessary to do so.

This extra time and use of resources enables us to be extremely efficient, as we are always available to help people with their mortgage and protection needs.

The compliance regime under which we work, and the process we go through together, requires us to obtain documentation to prove identity, residence, income and more. Many people are happy to entrust these documents to the Royal Mail’s service, and some are not.

Those that are not willing to use the mail service are welcome to visit with us face to face personally, by appointment, to provide the required documents. We will then take and keep a copy, allowing you to retain the originals.

There may be additional items required when obtaining documents and ID etc. from non face to face advice, but these are not problematic and we can discuss these during our Initial FEE FREE Consultation.

Now this question has been answered, why delay...? CALL TODAY!

Let’s get the ball rolling for you!
Your home may be repossessed if you do not keep up repayments on your mortgage
Can you help with commercial, development or bridge finance?
 If this is something that you require, have a chat with us and we can put you in touch with our partners to help you find alternative solutions, including bridging and auction finance for property acquisitions and more.

Each of these cases are viewed and assessed on their merits. Advice will be given by our partners on these cases and not ourselves. However we can still work with you in managing the process and making sure that you get the lending you need to achieve your objective and help to ensure a smooth transaction.

If you are looking for more specialist property finance, then get in touch today for a chat.

We advise on First charge mortgages for Residential and BTL.
We also have many clients that are investors and have extensive BTL portfolios, as well as property developers.
We have partnerships and relationships with the non high street brands that provide more bespoke lending solutions to investors and developers.

We look forward to helping you find the solution you need...
Your home may be repossessed if you do not keep up repayments on your mortgage
Can you help with the legal and conveyancing?
Yes

We appreciate that not everyone has got a solicitor or conveyancer lined up and ready and that this can often be tricky finding the right one for you that will be competitive and work quickly. 

Whilst we don't do this work ourselves we have contacts in the industry and a range of providers we would be happy to put you in touch with. They will be happy to work with you and help you through the legal side of buying your home.

Solicitors and conveyancers carry out searches and due diligence on properties for sale and purchase and ensure that there are no nasty surprises. They offer a level of protection for buyers, sellers and lenders in the process.

If you need some help and direction we can certainly help.

Get in touch today
Your home may be repossessed if you do not keep up repayments on your mortgage
What happens after you recommend a mortgage?
 The process is quite simple: We will initially have our FEE FREE consultation where we will talk you through the process and our service. We will discuss your needs and circumstances and complete a Fact Find exercise which will give us the information to understand your situation and enable us to get started. Once we have all the necessary information we need we will begin working immediately on your case.

We then will require standard documents i.e. ID, proof of address, income etc. for each applicant. We will tell you exactly what we require. Once we have received these documents, we can progress your case and begin our sourcing and research using our professional experience and expertise in researching the right product.

We will seek to match your needs and requirements to the criteria of the lenders, the result being the right mortgage and protection products recommended specifically for you.

Once the lender is identified, we will discuss your case with them and make sure they are happy with the basic facts. We then complete the decision in principle form and submit it to the lender. If the lender accepts to lend on this information they will then issue an agreement in principle.

This process can take many hours (and in some cases days) to complete, but by the end of the above stages, you will know there is a suitable lender and mortgage that matches your needs. Up until this point you have still not paid us anything for our time or service, as our fee is only due in part on FULL MORTGAGE APPLICATION.

After this stage is complete and both yourself and the lender are happy to progress, then now we can move forward to 'full mortgage application'. Since we will already have all of your details and documents, we can submit this full application to the lender promptly. Following full submission of an application, the first part of our fee will now become due and we shall issue an invoice. This invoice will be issued immediately following a submission of a full application for our professional services and advice.

Following the submission of the full application, we continue to liaise with agents, solicitors, lenders and yourself until the whole process is completed. You will have full access to us and our services during this time, although it is most likely you will hear from us more than we hear from you during this process. Once the mortgage has been completed the remainder of our fee will be payable.

A typical case will take us around 20 hours worth of work to complete over a 4-6 week period.

Contact now and let's get started in helping you today...
Your home may be repossessed if you do not keep up repayments on your mortgage
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Your home may be repossessed if you do not keep up repayments on your mortgage
Our Corporate Partners...
Syron Mainwaring & SM Financial are trading names of Syron Mainwaring Financial Limited.
Registered in England company number 10621733 | Registered address: 16 Elmsall Drive, Beverley, East Yorkshire, HU17 7HL
Syron Mainwaring Financial Limited is an appointed representative of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.