Business Details
We have been providing independent mortgage advice in Barrow-in-Furness for over twenty years, building a trusted reputation across Cumbria. Our advisers are fully FCA regulated (number 301970) and possess extensive expertise in navigating the full spectrum of mortgage products. We search a huge range of lenders, including high-street banks, specialist lenders and exclusive products unavailable direct to the public, to secure the most suitable deal for each client. We tailor our guidance for first-time buyers stepping onto the property ladder or for experienced investors managing a buy-to-let portfolio, ensuring it matches their specific circumstances. Our service for remortgaging involves a thorough market search to identify better rates and we manage the entire process from start to finish. We work with specialist lenders for clients with imperfect credit histories, considering the full financial picture rather than relying solely on credit scores.
We pride ourselves on clear, jargon-free communication, providing regular updates and a single dedicated adviser as your point of contact throughout the application. Our commitment to client satisfaction is demonstrated by our no-obligation free consultation, fast clear communication, and consistently high Google ratings. We ensure every mortgage recommendation is impartial and transparent, never tied to a single lender or product. Our local knowledge of the Cumbrian market, combined with national lender access, enables us to offer sound financial advice that is both relevant and reliable. Our combined experience, expertise, and dedicated service make us the preferred choice for anyone seeking mortgage solutions in the region.
We pride ourselves on clear, jargon-free communication, providing regular updates and a single dedicated adviser as your point of contact throughout the application. Our commitment to client satisfaction is demonstrated by our no-obligation free consultation, fast clear communication, and consistently high Google ratings. We ensure every mortgage recommendation is impartial and transparent, never tied to a single lender or product. Our local knowledge of the Cumbrian market, combined with national lender access, enables us to offer sound financial advice that is both relevant and reliable. Our combined experience, expertise, and dedicated service make us the preferred choice for anyone seeking mortgage solutions in the region.
Highlights and features
- We are FCA regulated with twenty years' experience.
- Our dedicated adviser provides one-to-one support throughout the process.
- We search a wide range of lenders, including exclusive products.
- Our impartial advice ensures genuine, unbiased mortgage options.
- We handle all paperwork and liaise directly with lenders.
Services
First Time Buyers
We guide first-time buyers through every step, from assessing borrowing capacity and deposit requirements to receiving the keys on completion day. Our clear, jargon-free advice explains eligibility criteria, available products and the exact documentation needed for a successful application. This supportive approach ensures a smooth, confidence-building purchase experience, reducing stress and maximising the chance of securing the right mortgage.
Remortgaging
We search the entire market to locate a better rate when you come to the end of your fixed term. Our experienced advisers manage the full remortgaging process, handling all paperwork and liaising with the new lender. This ensures you benefit from improved terms while avoiding unnecessary fees and delays.
Buy to Let
Our specialists identify the most competitive buy-to-let products across the entire market for first-time landlords and seasoned investors. We analyse rental yields, financing options and tax considerations to ensure optimal returns for your investment portfolio. This thorough, tailored service maximises profitability while minimising risk.
Home Movers
Whether upsizing, downsizing or relocating within Cumbria, we secure the financially optimal mortgage for your next move. Our dedicated adviser handles all paperwork and coordinates with the lender to ensure a smooth transition. This personalised support minimises stress and protects your investment.
Imperfect Credit Mortgages
We work with specialist lenders who consider your full financial picture beyond standard credit scores. Our approach helps clients turned away by high street banks obtain the mortgage they deserve. This dedicated service increases approval chances and expands homeownership opportunities for lasting security.
Reviews (2)
Les Potter
Dec 09, 2021
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Paul is a legend. My circumstances have never been straightforward. I could have spent Months getting nowhere for a Mortgage and wasting my own time. But the lad comes up trumps. Now about to go on my re-mortgage and he's done it again. Well worth the 250 broker fee. Takes the stress out. I'll bring the coffee.cheers Paul.
Warren Pears
Jan 14, 2017
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I contacted Face to Face for advise about a first time buyer's mortgage, as I am self employed, I was unsure of the criteria used by providers to calculate the amount that I could borrow. I went to see Mark and he explained everything to me and showed me the best mortgages that were currently available to me, as they have no affiliations with providers I was sure that I was getting the best deal possible. Having given some information to Mark I left the meeting, which took about half an hour, with a mortgage agreement in principle and six weeks later I exchanged contracts on a property with quite a lot of advise from Mark, who was always happy to help, along the way. Excellent service from start to finish, I would highly recommend.