Why Us

Expert advice is priceless. Knowing that you made the right decision based on the right advice is also priceless.

For the majority of people a mortgage is the biggest financial commitment they will make. It also effects the ‘roof over your head’ so it is common sense to get an expert to act on your behalf.

The UK mortgage market is changing on a weekly (sometimes daily) basis. Lenders are often withdrawing products, adding new products or doing both. The income multiple (how much you can borrow depending on your income), loan to value (how much you can borrow against the property value) and several other criteria are constantly being reviewed by the lenders.

Headline-grabbing, cheap rates may have conditions like: a large arrangement fee, lower income multiples, lower loan to values, income type restrictions or property type restrictions attached to them.

The following is the brief summary of our service commitment and the reasons why you should use us:

  • We source our mortgages and insurance from the whole of the market.
  • As we belong to a large network of similar firms. At times we may have access to special deals from lenders that you cannot get on the high street.
  • We manage the whole mortgage process (from advice to application to completion) for you, and deal with the lender on your behalf.
  • We provide you with an ongoing service throughout the duration of the mortgage, and we are happy to help at any time.
  • After assessing your needs and circumstances, whenever we recommend a mortgage to you we explain in writing why we believe this mortgage is the best for you.
  • If you live or work in the London area we can come to you at a time and place that is convenient to you – including evenings and weekends.
  • As a broker, we have access to products which are not generally available to the public directly.

 

Our FCA number is 653562. HL Partnership Limited’s FCA number is 303397. You can check these on the FCA Register.

Your home may be repossessed if you do not keep up repayments on your mortgage.