We specialise in rural and equestrian property, and also understand rural business. We ensure lenders understand your requirements and can typically offer simpler, cheaper ways of resolving funding requirements that would normally attract more specialist or commercial lenders who will charge higher interest rates.
Not being tied to any panel of lenders, we have excellent established relationships with a huge variety of mainstream and also more niche lenders – large and small, enabling us to obtain the most competitive mortgage rates for each client’s circumstances.
As a residential mortgage intermediary we are authorised and regulated by the Financial Conduct Authority (directly – not part of a network or parent company) which means you are afforded more protection, including that of the Financial Ombudsman Service. We have to conduct our business in a strict manner, ensuring we treat all of our customers fairly.
Most commercial and buy to let mortgages are currently unregulated; however we apply the same principles to this business we undertake. Unlike many brokers we will never opt for the easy route of a ‘non-status’ lender offering an inflated interest rate, paying an inflated commission.
Unlike many, we don’t charge a set fee, typically only charging if payment received from the lender is insufficient to cover our costs; in addition our fees are not excessive (see how we are paid section for more details).
We can discuss flexibility of your requirements with the lender and their underwriters directly, this leads to greater understanding on both sides and enables us to progress mortgages swiftly to a satisfactory conclusion with a minimum of disruption.