It’s certainly true that you can walk into your local bank or Building Society and walk out with a mortgage product.
The difference is that most banks are only able to offer their own range of products, whereas Spencer Hayes Financial Services are Independent mortgage brokers, who are able to ‘shop around’ the sometimes thousands of mortgages available in the UK, to find the best deals to suit your individual circumstances.
In addition we offer a Client Review Service where we can keep track of your mortgage to make sure you are aware of any changes within the term, rate or general marketplace that might mean other options will work better for you going forward.
We know that this could be the biggest financial commitment and decision you have ever made, and we are here to help you understand the small print and know your best options.
No matter what your mortgage needs are, we can help. We can offer independent advice on:
- -How to get the maximum potential mortgage, for the purchase of your property, taking into account salaries and other incomes.
- -Re-mortgages; here we would search the market for any current deals that may have benefits that outweigh that of your current mortgage. In this situation, we can also look at releasing extra funds to perhaps pay for home improvements or to consolidate other debts.
- -We can also recommend secured loans as an additional way of raising capital and is especially useful if the existing mortgage rate that you have is one where remortgaging away from it to raise additional funds will be highly disadvantageous”
We also offer mortgages to suit the purchase of investment property*. Having provided these products from the very beginning, we have in house experts in this field.
We do not charge for our first consultation or if you do not go on to take out a mortgage through ourselves. Please note that that there is a fee applicable for our advice which is £250 payable on completion of the mortgage with the appropriate lender. Other fees may apply to differing products and will be discussed before any work is carried out by us
Your home may be repossessed if you do not keep up repayments on your mortgage.
*Commercial Mortgages are not regulated by the FCA
Please note Independent Financial Experts are not authorised to provide advice on arranging mortgages. If you wish to discuss your mortgage requirements or have your existing mortgages reviewed please contact us and we will pass your details on to our partners who are Independent Financial Advisers and specialise within these areas.
Looking for a new mortgage quote?.. Ask our experts
Choosing a mortgage is one of the biggest financial decisions you’re likely to make. There are thousands of mortgages out there, so how do you choose the right one for you? Compare mortgages with us and let’s see if we can help you find the right mortgage. Simply complete the form below and once of our experts will call you back.