Business Details
29 Years
experience
Trusted Mortgage Brokers in Exeter
Established in 1997, we are experienced mortgage and protection advisers dedicated to providing tailored financial solutions. Our expertise spans first-time buyer mortgages, remortgaging, buy-to-let portfolios, and specialist cases including adverse credit histories. We operate as an appointed representative of HL Partnership Limited, authorised and regulated by the Financial Conduct Authority, ensuring compliance with rigorous industry standards. Our comprehensive market coverage enables access to a wide range of mortgage products, while our protection services include life assurance, income protection, and critical illness cover. We prioritise transparent communication, offering face-to-face, telephone, and online consultation options to accommodate client preferences.With over 25 years' experience, we combine deep local market knowledge with a commitment to ongoing professional development. Our fee structure, including a standard 395 advice charge, is clearly communicated upfront, with no hidden costs. We specialise in complex cases such as auction finance, self-employed mortgages, and Help to Buy scheme refinancing. Our insurance partnerships provide competitive rates on buildings, contents, and home emergency cover. Every recommendation is based on thorough affordability assessments and individual client circumstances.
Services
First Time Buyer Mortgages
Buy to Let Portfolios
Remortgage Solutions
Self-Employed Mortgages
Critical Illness Cover
Income Protection Plans
Help to Buy Advice
Auction Finance
Property Insurance
Mortgage Protection
Details
- Year established: 1997
Highlights and features
- 25+ years' experience advising on mortgages and protection
- Comprehensive market coverage including specialist lenders
- Tailored solutions for complex financial circumstances
- Transparent 395 advice fee with no hidden charges
- Award-winning customer service with flexible consultation options
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional service
Knowledgeable staff
Transparent fees
Successful complex case handling
Ongoing support
Services
First Time Buyer Mortgages
Specialist guidance for first-time purchasers navigating the mortgage process. We explain affordability criteria, help determine borrowing capacity, and identify suitable products with competitive rates. Our service includes detailed explanations of government schemes like Help to Buy, with ongoing support through the entire application process to ensure a smooth property purchase experience.
Buy to Let Portfolios
Comprehensive mortgage solutions for property investors. We advise on portfolio management, tax-efficient structures, and financing options for both individual and corporate landlords. Our expertise includes navigating the unique requirements of limited company buy-to-let mortgages and helping clients optimise rental income potential through strategic property financing arrangements.
Remortgage Solutions
Expert analysis of remortgaging opportunities to secure better rates or release equity. We assess exit fees from existing deals, compare market options, and advise on timing considerations. Our service helps clients reduce monthly payments, fund home improvements, or consolidate debts while ensuring compliance with current lending regulations and affordability requirements.
Income Protection Plans
Tailored insurance solutions to safeguard against income loss from illness or accident. We design policies that replace a percentage of earnings during extended absences from work, helping maintain financial stability. Our advice considers occupation-specific risks and ensures appropriate coverage levels to protect mortgage commitments and daily living expenses.
Help to Buy Advice
Specialist guidance on equity loan schemes and shared ownership programmes. We explain eligibility criteria, assist with application processes, and advise on remortgaging options as properties increase in value. Our expertise ensures clients understand both immediate benefits and long-term implications of government-backed home purchase initiatives.
People
Ian Doust
Principal Adviser
With over 25 years' experience in mortgage advisory services, Ian Doust established Professional Mortgage Services in 1997. He specialises in complex cases and has particular expertise in buy-to-let financing and protection planning. Ian maintains professional accreditation through ongoing development programmes.
Questions
Are your mortgage advisers qualified?
Yes, all our advisers hold relevant financial qualifications and maintain ongoing professional development. We operate as an appointed representative of HL Partnership Limited, regulated by the Financial Conduct Authority.
Can you help with bad credit mortgages?
Yes, we specialise in advising clients with adverse credit histories including CCJs, defaults, and low credit scores. We access specialist lenders who consider individual circumstances beyond automated credit scoring.
What mortgage fees should I expect?
Our standard advice fee is £395. Additional costs may include lender arrangement fees, valuation fees, and legal costs. We provide full transparency about all potential charges during your initial consultation.
Do you offer online mortgage advice?
Yes, we provide full mortgage advisory services through secure video consultations using Zoom or Microsoft Teams, in addition to telephone and in-person appointments at our Newton Abbot office.
Can you help with Help to Buy scheme mortgages?
Yes, we have extensive experience with Help to Buy: Equity Loan schemes. We can advise on eligibility, assist with initial applications, and provide remortgaging strategies once properties increase in value.
What protection products do you offer?
We provide income protection, critical illness cover, and life insurance policies tailored to mortgage holders. Our protection solutions help maintain financial security during unexpected life events like serious illness or job loss.
