Laying the foundations for a brighter future

Buying your dream home or a property for investment could be one of the biggest financial commitments of your life and making a mistake in choosing the right mortgage solution could prove very costly. After conducting independent research, we recommend the most appropriate mortgage product according to your needs making the whole process seamless.

Whether you’re buying your first home, moving to your family home, looking to remortgage, interested in buy-to-let or perhaps equity release, our in-depth knowledge and access to the mortgage market ensures that you are in safe hands whilst making potentially one of the biggest financial commitments of your life. We understand and recognise that purchasing a property can be a long and bumpy road but we are here, every step of the way, to reassure you that you are making a sound decision and offer tailored support for you when you need it.

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Mortgages & Buy to LetMortgages & Buy to Let

Our Mortgage Service

We are independent mortgage advisers and we will recommend a mortgage product that is suitable for you following an assessment of your personal needs and circumstances. This will include a detailed assessment of affordability.

We will consider all products and lenders that we have access to. This means we will not consider those lenders that are only available by you going direct to them.

Where you are increasing your borrowing we will consider the merits of both a new first charge mortgage and securing this by an additional mortgage on a second charge basis. You may have the option of a further advance from your existing lender, however, we will only consider this where we are able to deal directly with the lender on your behalf.

It may be in your best interests to explore this option and look at the further alternative of an unsecured loan, as these may be more appropriate for you.

Costs of our service

Where mortgage borrowing is under £250,000, we will charge a fee of £495 for advising and arranging, payable on issue of mortgage offer by the lender. This may include adding the fee to the mortgage where requested by the client.

We will not charge a fee for mortgages of £250,000 and over.

We will receive and retain any commission paid by the lender when your mortgage completes. This amount will be confirmed by the lender in their disclosure document. This is usually paid on completion.

Refund of fees

We do not provide a refund should you decide not to proceed with the mortgage loan after receiving mortgage offer from the lender.

Mortgage

Process of buying a property and getting the right mortgage felt a little daunting. However, having someone knowledgeable and experienced like Amit on your side made the whole process very straight forward. Amit also explained us the importance of securing this mortgage loan against any unfortunate life events like premature death or suffering a critical illness. Both the products, mortgage and protection sourced by Amit were researched thoroughly and suited to our needs and budget.

Knowing our mortgage loan is covered, gave us reassurance that everything would be ok if anything were to happen to either of us. Amit has an extensive knowledge on both mortgage and different types of insurances available and we really feel he has done everything he could have done to get us the best deal available. Thank you, Amit.”

Tavinder & Dapinder Suri
more client stories

Tell us about your dream lifestyle

To start your journey with Expert IFP, all you need to do is reach out to us and we will assess how we may be able to help. We ask that you complete the simple form below noting what specifically you are looking for help/guidance on and what your main objectives are. We’ll take it from there.

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