Mortgage Advice
What is it?
We provide Independent and Whole-of-Market Mortgage Advice and are sometimes call “Mortgage Brokers”. This means that we have no ties to any banks or lenders out there and we work for our clients best interests only – our advice is impartial and unbiased. As we’re Independent Financial Advisers, we can also help with wider financial questions than just a mortgage broker could.
How we do it
When we meet for the first time, we will explain to you our Four Stage Mortgage Advice Process. We take all of our Mortgage Clients through every step of this journey because providing you with a consistently high standard of advice and service is of paramount importance to us.
Who we work with
- First Time Buyers (including Shared Ownership or Shared Equity schemes)
- Home movers (such as those upgrading their homes, and those wishing to buy a second property)
- Landlords (investment properties, Buy-to-Lets, HMOs)
- Remortgages (with and without capital raising)
- Self-employed individuals and business owners
- Contractors
- Limited Company mortgages
- Expats
- Foreign Nationals (with and without Indefinite Leave to Remain in UK)
- Chinese & Hong Kong nationals – we speak fluent English, Mandarin, and Cantonese
By working with us you will:
- Save money, time and hassle;
- Have peace of mind;
- Have greater certainty and confidence of your maximum budget and affordability;
- Have a professional who will advise and guide you through the often stressful mortgage and house buying process. We would often liaise with the estate agent and solicitors when needed to take the burden off your shoulders;
- Benefit from regulated, professional and independent and whole-of-market mortgage advice.
IFS Wealth & Pensions is both Independent Financial Advisers & Chartered Financial Planners (external link), awarded by the Chartered Insurance Institute, which is often regarded the gold standard in the profession. Less than 5% of advice firms are Chartered so you can be sure that the advice we provide is of the highest standards. We take no shortcuts in our work.
I cannot recommend IFS enough for the amazing service they provided when renewing my mortgage. Ricky was my point of contact and provided a very friendly and seamless service. Within a matter of a few days I had my mortgage renewed and completed. He provided informative and very easy... read more to understand terminology when asked, making the experience super stress free. Would highly recommend to anyone and will be a company I will use in the future again!
Simon P.
26th August 2021This is already the third time I’ve asked Ricky for help. Excellent service from start to finish. Very knowledgeable, helpful, and always kept me updated. Highly recommended!已經第3次搵Ricky幫手。由頭到尾都好專業又有性，講解清楚、跟進又快，有咩問題問佢都好快回覆。真心推介畀有需要嘅朋友，服務一流又放心！👏🏻👏🏻
Stella Y.
17th October 2025Great services A+++++. Thank you for your thorough guidance during the purchase of our first home. Very knowledgeable and experienced. Much appreciated!
Long T.
23rd July 2026I just want to say a big thanks to you Alan Chan for all of your assistance with our case.The attention to detail you have shown combined with your thorough knowledge of the marketplace have enabled us to achieve what seemed otherwise unreachable and we are now racing towards our... read more moving day!Both I and Lucas are extremely grateful for everything you have done for us and I would highly recommend your services to anyone seeking a Mortgage. It costs nothing to make the initial enquiry but I am sure others will be pleasantly surprised at how you can navigate them through the minefield that is the mortgage world to achieve the best possible outcome just as you did for us.So thanks again for everything you have done to assist us and allowed us to move on in the property market.
Meha F.
14th October 2023Back in 2016 after 30 years service I was about to retire, my company pension looked ok but I felt I could do better & wanted to secure the best possible ongoing regular income along with accessible cash availability. So on the recommendation of a close friend, who is... read more a senior accountant with one of the major banks, I contacted Ricky Chan. Having met Ricky I felt confident that his advice & service would be perfect for my needs & I appointed him as my financial adviser in respect of the funds that we transferred out of my company pension fund along with my other sources of income. My experience from our meetings & our other exchanges ever since have proved that original confidence to have been fully borne out. I have the utmost confidence in his judgement & he has always dealt with my enquiries in clear comprehensible terms ensuring I have a full understanding of his recommendations & his knowledge & experience ensures that potential issues are rounded off in the normal course of his management of my finances & when any situation calls for specific expert advice he has the relevant contacts to advise &/or deal with such matters. He always leaves me at ease & enlightened & keeps my finances ahead of the game but certainly not I any speculative way. He is great company & our meetings are very pleasant occasions & my retirement fund & other finances have performed very well under his management & guidance. Mick Moohan
mick m.
26th July 2024I will absolutely recommend IFS to anyone looking for assistance with a mortgage.Alan has gone by far above and beyond in guiding me through the process as a first time buyer and finding me a mortgage. Alan has always been professional, communicative, knowledgeable, patient and quick to answer any queries... read more I may have.Alan, thanks so much for your help and patience.
Joshua A.
11th September 2023