Why use a mortgage broker?

Mortgage advice, from a reputable independent broker like Higginson Mortgage Services can be an invaluable service – and here's why…

You are protected

Higginson Mortgage Services Ltd is an appointed representative of TenetLime Ltd, which is authorised and regulated by the Financial Conduct Authority. Tenet Lime is entered on the Financial Services Register (www.fac.org.uk/register) under reference 311266.

Mortgage brokers are qualified

Our adviser Emma has obtained the Certificate in Mortgage Advice and Practice (CeMAP) and the Advanced Certificate in Mortgage Advice and Practice ensuring that you receive the right advice at all times.

Exclusive mortgage deals

Brokers like us have access to exclusive mortgage rates which you won't find on the high street.  

Brokers can help you find a mortgage in difficult circumstances

We offer a comprehensive range of mortgage products from across the market. We offer both first and second charge mortgages, but not deals that you can only obtain by going direct to the lender.

 

For those seeking to increase thier existing borrowing, alternative finance options may be available and more appropriate for your needs. For example a further advance from your existing lender or an unsecured loan (e.g. a personal loan). For those seeking a "Retirement Interest Only Mortgage" a " Lifetime Mortgage" may be available and more appropriate for your needs.

 

Remember only an experienced broker will be able to source a mortgage if you have difficult personal circumstances such as poor or adverse credit.

 

Likewise some lenders will not consider some property types or those with an unusual construction. Only an experienced mortgage broker can point you in the right direction.

 

Mortgage deals may not be available and lending is subject to individual circumstances and status.

Independent mortgage advice

As an experienced broker we we have access to thousands of mortgage products and our sourcing software is updated daily meaning we can source attractive deals, based upon your cicumstances and preferences.

 

Remember if you go to your bank they can only offer advice on their own products. Likewise some brokers work from a restricted panel of lenders, again limiting your choice.

You will receive a mortgage appropriate to your needs and circumstances

During our discussions with you we will conduct a full factfind to establish your preferred mortgage type, attitude to risk, work out your budget and highlight any protection needs.

 

Our quality advice will ensure you obtain a mortgage which is affordable and appropriate to your needs. Our advice is always confirmed in writing detailing why we have recommended a particular product or course of action.  

 

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBY SECURED ON IT. 

 

The Financial Conduct Authority does not regulate most forms of buy to let mortgage.

 

 

Higginson Mortgage Services Ltd is an appointed representative of TenetLime Ltd, which is authorised and regulated by the Financial Conduct Authority. TenetLime Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 311266.

 

Higginson Mortgage Services Ltd is registered in England and Wales under reference 06991945. Trading and registered address; 6 Llwyn Drysgol, Radyr, Cardiff CF15 8DN.

 

The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.