Business Details
21 Years
experience
Your Trusted Mortgage and Insurance Partner in Ilkley
Established in 2005, we are a dedicated mortgage advisory firm headquartered in Burley in Wharfedale, West Yorkshire. Our team combines extensive industry experience with a client-centric approach to deliver tailored financial solutions. We specialise in mortgage and insurance services, prioritising transparency, expertise, and personalised guidance. Our advisors operate nationwide, supporting clients through every stage of their property journey. We maintain partnerships with a broad network of lenders to offer competitive products, from first-time buyer schemes to buy-to-let portfolios.Our fee structure is clearly communicated, ranging from 0 to 995 depending on complexity, with typical charges at 495. As an Appointed Representative of PRIMIS Mortgage Network, authorised by the Financial Conduct Authority, we adhere to rigorous regulatory standards. Our mission focuses on empowering clients with jargon-free advice, ensuring informed decision-making. We serve diverse client needs, including self-employed individuals and those with adverse credit histories, while maintaining a commitment to exceptional service quality.
Services
First Time Buyer
Home Mover
Remortgage
Self-Employed
Buy-to-Let
Life Insurance
Critical Illness
Income Protection
Details
- Year established: 2005
Highlights and features
- We offer 19 years of mortgage advisory experience since 2005
- We work with a vast network of lenders across the UK
- Our transparent fee structure ranges from 0 to 995 with clear terms
- We provide tailored solutions for complex cases including self-employed clients
- Our team maintains regulatory compliance through FCA-authorised frameworks
Associations and certifications
- Financial Conduct Authority
Services
First Time Buyer
Personalised mortgage guidance for first-time purchasers. We help secure competitive rates and terms while explaining available schemes like Help to Buy. Our advisors simplify the process of purchasing your first home through clear communication and lender partnerships. We focus on making homeownership accessible while ensuring affordability assessments meet regulatory standards.
Buy-to-Let
Specialist mortgages for rental property investors. We support both novice landlords and portfolio owners with tax-efficient structures. Our service includes assessing yield requirements, advising on limited company structures, and accessing lenders catering to buy-to-let portfolios. We explain different product types from fixed-rate to interest-only options.
Remortgage
Expert guidance for changing mortgage providers. We analyse current deals against market offerings to identify savings opportunities. Our service covers equity release for home improvements, debt consolidation, and term adjustments. We explain early repayment charges and arrange seamless transitions between lenders.
Self-Employed
Flexible mortgage options for non-standard income situations. We work with lenders accepting accounts-based income assessments, SA302 forms, and limited company dividends. Our expertise covers complex cases including recent business setup, fluctuating earnings, and portfolio landlords. We explain documentation requirements and affordability calculations.
Life Insurance
Financial security solutions for dependants in case of death. We offer term life policies aligned with mortgage balances and family needs. Our service explains different policy structures including level term, decreasing term, and family income benefit. We help determine appropriate coverage amounts and term lengths.
People
Philip Terry
Managing Director
With over 15 years in mortgage advisory, Philip leads our team ensuring strategic direction aligns with client needs. He specialises in complex cases and maintains lender relationships. Philip oversees compliance with FCA regulations while maintaining hands-on client involvement.
Stephen Elliott
Senior Consultant
Stephen provides expert mortgage advice with particular focus on buy-to-let portfolios. His 12 years' experience covers property investment strategies and tax-efficient structures. He assists clients with portfolio growth and remortgaging strategies to maximise returns.
James Gaitely
Senior Consultant
Specialising in residential mortgages, James supports first-time buyers and home movers. He has particular expertise in new build purchases and Help to Buy schemes. His client-focused approach ensures clear explanations of mortgage products and associated risks.
Tracy McCarthy
Office Manager
Tracy manages day-to-day operations ensuring smooth service delivery. With 8 years in mortgage administration, she coordinates client communications and maintains compliance documentation. Her role ensures efficient processing of mortgage applications and policy implementations.
Questions
What mortgage options exist for self-employed individuals?
We work with lenders accepting various income proofs including SA302 forms, company accounts, and dividend payments. Our advisors explain different affordability calculations and documentation requirements.
How much does mortgage advice cost?
Our fees range from £0 to £995 depending on complexity, with typical charges at £495. We provide clear fee explanations before starting any work, with payment due upon mortgage offer receipt.
Can I remortgage with bad credit?
Yes, we partner with specialist lenders for adverse credit cases. Our advisors explain how different credit issues affect mortgage applications and work to find suitable solutions.
What protection plans do you offer?
We provide life insurance, critical illness cover, family income benefit, and income protection. Our advisors explain policy terms, coverage limits, and how these protect against financial risks.
How long does the mortgage process take?
Typical processing takes 4-8 weeks depending on lender requirements and documentation completeness. We guide clients through each stage to maintain efficient progression.
