Impartial Advice
We provide tailored and impartial advice at a time that suits you.
Whether its face to face, over the phone or online.
4.9 Rating from 427 Reviews
Impartial Advice
Impartial advice means getting recommendations from a financial professional who isn’t tied to any specific lender, allowing them to search the whole market to find the most suitable and affordable mortgage for your unique financial situation, not just what one bank offers. An impartial advisor prioritizes your best interests, explains complex options, and can improve your chances of approval by matching you with the right lender, offering a personalized service beyond what you might find directly.
In essence, impartial advice offers a comprehensive, unbiased look at the mortgage market, focusing on finding the best fit for you.
Impartial Advice
- Whole-of-Market Search: We can access products from numerous lenders, not just a restricted panel, ensuring broader choice.
- Client-Focused Recommendations: Advice is based solely on your needs, income, credit, and goals, not on selling specific products.
- Expert Guidance: We help you understand different mortgage types, affordability, and lender criteria, which can be complex.
- Application Support: We can assist with paperwork and liaise with lenders, estate agents and solicitors, streamlining the process.
- Better Deals: Increases the likelihood of finding lower rates or better terms.
- Personalization: Tailored advice ensures the mortgage fits your circumstances, not the other way around.
- Peace of Mind: You know the recommendation isn’t biased by lender incentives.
- Impartial (Independent): Looks at the whole market.
- Restricted (Tied): Limited to a specific lender’s products and might not tell you about cheaper options elsewhere.
FAQ's
- An impartial advisor (or “independent” advisor) acts in your best interest, not a specific lender’s, giving unbiased advice based on a wide market analysis.
- They can access products from many lenders, often exclusive deals not available directly to the public, providing more choice than a single bank or comparison site.
- Assess your situation: They review your income, expenses, and deposit to determine borrowing capacity (affordability).
- Search the market: They find suitable mortgages across numerous lenders, considering your specific criteria and circumstances.
- Guide the process: They help gather documents, manage the application, and keep you updated until completion.
There is no fee charged for an initial consultation
- Fees vary: Some charge a fixed fee (e.g., 0.3% to 1% of the loan), some are paid by the lender, and some offer free services (often commission-based).
- Always ask about their fee structure upfront, including if fees are refundable if the sale falls through.
- Check regulation: In the UK, they must be regulated by the Financial Conduct Authority (FCA) (FCA). You can search the FCA register to verify.
- Ask about their panel: Confirm they offer advice across a broad range of lenders, not just a select few.
- “Are you regulated by the FCA?”.
- “How much will you charge me, and when?”.
- “What lenders do you work with?”.
- “How much can I borrow, and what types of mortgages suit me?”
From a few days for an Agreement in Principle (AIP) to several weeks or months for the full mortgage, depending on complexity (purchase, remortgage, chain length)
Passport
Driving licence
Utility bills
Last 4 months payslips and P.60
Last 4 months bank statements
Last 3 months credit card statements
Evidence of deposit
Details of any and all credit commitments
4.9/5
Customer satisfaction on Vouched for
400+
Reviews on Vouched for
1000+
exchanged mortgages since 2016
Our philosophy
We listen to the needs of our clients and offer impartial and unbiased advice based on their requirements and circumstances.
We provide a bespoke financial solution designed to help meet the needs of our clients both now and in the future.
We endeavour to make advice documentation clear, easy to understand and ‘jargon free.’
We establish and agree a mortgage review programme to address future needs.