Independent - Whole of Market - Mortgage Advisor Free advice on all types of mortgage, insurance, loans Residential, Commercial, Buy to Let, Self Certification, Equity release, Shared Ownership, etc. Based in Wetherby Available lunchtimes, evenings and weekends

Serviced Areas

  • Wetherby, Harrogate, Leeds, York, Tadcaster, Boston Spa and all surrounding villages

Contact Details

  City Wetherby
  Postcode LS22 6NG
  Address 5 The Shambles
  Phone Number 019 3722 9800

From Our Website

We provide the very best mortgage and insurance advice as well as a first class service, saving you both time and money. We have offices in Wetherby and we cover the whole of Yorkshire including Harrogate, Leeds and York, as well as all surrounding towns and villages. Whether you would like to meet in one of our offices or at your home, at lunchtime, evenings or weekends, we are happy fit around your requirements - our aim is to make the whole process easy for you! There may be a fee for the advice given, the exact amount will depend upon your circumstances but we estimate it will be no more than 295.

Whatever your business track record, accounts situation or personal credit history, we'll give you access to expert advice to ensure you get exactly what you need.

The main reason for bridging finance is when a housing chain does not allow simultaneous completion on both properties. The loan is short term and provides funds to complete the purchase on the new property prior to the sale of the existing property. Bridging finance is normally charged on a monthly basis and ranges from 0.6% to 1.5% per month depending on the circumstances.

At the end of this deal period you are automatically moved onto the lenders' Standard Variable Rate (SVR) which can be higher than other deals available or just put you at the whim of the lender and possible rate rises. Re-mortgaging can reduce your payments and/or provide the security of a fixed rate. Re-mortgaging also gives the opportunity to rejig your finances, perhaps to consolidate some expensive finance onto a lower interest rate as part of the mortgage. This is known as "debt consolidation".

Contents insurance covers the internal contents of your property - furniture, fixtures and fittings as well as your personal possessions. You do not have to take out contents insurance but it is recommended. What you certainly don't need to do is take home insurance provided by your mortgage company which is often very expensive. We get quotes from a whole range of different insurers to make sure you get the best insurance at the lowest possible cost. We also work closely with a company who provide a top quality policy that will often price beat against your existing policy, or if not will do so against a range of competitive providers such as L&G, Direct Line, AXA etc.

Rates and set up costs will depend on your specific circumstances, including income and credit score. Unsecured loans are not regulated by the Financial Conduct Authority. We can provide generic advice in relation to unsecured loans, however they are best sourced direct.

However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. For a "Key facts about our services" document please email and he will happily send you a copy.

We have access to a range of specialist secured and unsecured loan companies who can assist with loans of all sizes and for all uses, and for people with all types of credit rating and both employed or self employed. Personal loans, commercial loans and bridging finance are not regulated by the Financial Conduct Authority.