Impartial Advice
We provide tailored and impartial advice at a time that suits you.
Whether its face to face, over the phone or online.
5 Rating from 33 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 adviser prioritises your best interests, explains complex options, and can improve your chances of approval by matching you with the right lender, offering a personalised 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.
- Personalisation: 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: Looks at the whole market.
FAQ's
What is impartial mortgage advice?
- An impartial adviser 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.
What does an impartial adviser do?
- 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.
How much does it cost?
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.
How do I know they are truly impartial and qualified?
- 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.
What should I ask them?
- “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?”
What paperwork do I need?
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
How long does it take?
- 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)
Does using an impartial mortgage broker cost more than going direct to a bank?
- Not at all. In fact, it almost always saves you money. Because we have access to thousands of broker-only deals across the market, we can secure lower interest rates than you would find on the high street. These lower rates usually far outweigh any broker fees over the lifespan of your mortgage. Contact us today to find out exactly how much money we could save you over the lifespan of your mortgage.
Will my high-street bank give me a loyalty discount if I stay with them?
- It is a common misconception, but loyalty rarely pays in the mortgage market. Banks rely on existing customers simply accepting their renewal rates without checking the market. By reviewing all available lenders, we consistently find much better deals for our clients in Rugby than their current bank is offering. Call our team to compare your current bank’s offer against the entire market and see your true potential savings.
What does 'whole of market' actually mean?
- It means we are not tied to a specific bank or a small panel of lenders. We have the freedom to search across the entire UK mortgage market to find the product that perfectly fits your circumstances, ensuring you get truly independent advice.
How exactly do you get paid if your advice is impartial?
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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.