Business Details
8 Years
experience
Free Impartial Mortgage Advice UK
Established as independent mortgage brokers, we provide impartial guidance to help clients navigate the complexities of mortgage selection. With access to the entire market, our service focuses on identifying the most suitable mortgage solutions tailored to individual financial circumstances, lifestyles, and long-term goals. Our expertise spans new purchases, remortgaging, and specialist schemes, including support for clients with credit challenges. We have delivered free, commission-free advice for over seven years, prioritising transparency and client education.Our team works closely with clients to explain rate types, repayment options, and valuation processes, ensuring informed decision-making. As an FCA-authorised firm, we adhere to strict regulatory standards, offering protection through the Financial Ombudsman Service. Our commitment to ethical practices includes clear communication about risks, such as foreign currency mortgage exchange rate fluctuations. By maintaining partnerships with over 400 lenders, we combine market breadth with personalised service to meet diverse client needs.
Services
New Purchase Mortgages
Remortgage Solutions
Credit Problem Mortgages
Buy to Let Mortgages
Equity Release Schemes
Foreign Currency Mortgages
Current Account Mortgages
Debt Consolidation Mortgages
Details
- Year established: 2018
Highlights and features
- We offer free, impartial mortgage advice with no broker fees.
- We have access to the entire mortgage market, including 400+ lenders.
- Our team provides expert guidance on complex mortgage products and risks.
- We specialise in helping clients with credit challenges secure mortgages.
- FCA authorisation ensures adherence to strict regulatory and ethical standards.
Associations and certifications
- Financial Conduct Authority
What people say
Free impartial advice
Expertise in credit challenges
Access to 400+ lenders
No broker fees
FCA-regulated service
Services
New Purchase Mortgages
We specialise in helping first-time buyers and existing homeowners secure competitive mortgages for property purchases. Our service includes assessing eligibility, comparing lenders, and explaining loan-to-value ratios. Clients receive tailored advice on repayment options and potential risks, such as down-valuations during the credit crunch period.
Remortgage Solutions
Our remortgaging service helps clients reduce monthly payments or shorten mortgage terms by switching to better rates. We analyse existing mortgages, compare current market offers, and guide clients through the process of securing improved deals without broker fees.
Credit Problem Mortgages
We assist clients with credit challenges, including CCJs, arrears, or bankruptcies, to find suitable mortgage options. Our process involves reviewing credit reports, identifying lenders willing to consider applications, and explaining how credit scores impact mortgage terms.
Foreign Currency Mortgages
We provide guidance on foreign currency mortgages, highlighting risks related to exchange rate fluctuations affecting sterling equivalents. Clients receive clear explanations about potential cost increases and strategies to mitigate currency-related financial exposure.
Equity Release Schemes
Our equity release service helps older homeowners access property wealth without selling. We explain lifetime mortgage options, interest roll-up mechanisms, and inheritance implications, ensuring clients understand long-term financial commitments.
People
Nicholas Hall
Mortgage Adviser
Nicholas Nicholas Hall Independent Mortgage Brokers Independent Mortgage Brokers is an FCA-authorised mortgage adviser with seven years' experience in providing impartial mortgage guidance. He specialises in complex cases, including credit-challenged clients and niche mortgage products, while maintaining a focus on ethical advice.
Questions
What mortgage options do you offer?
We offer new purchase, remortgage, buy-to-let, foreign currency, equity release, and adverse credit mortgages through 400+ lenders.
Are your services free of charge?
Yes, our mortgage advice and broker services for residential transactions are completely free with no commission fees.
How do you help clients with bad credit?
We review credit reports, identify lenders willing to consider applications, and provide tailored advice to improve mortgage eligibility for clients with CCJs, arrears, or bankruptcies.
Are you regulated by any official body?
Yes, we operate under Julian Harris Mortgages Limited, authorised and regulated by the Financial Conduct Authority (FCA).
What risks should I consider with foreign currency mortgages?
Foreign currency mortgages carry exchange rate risk, which could increase your sterling repayment amounts. We provide clear explanations of these risks during consultations.
