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.
Much appreciated Ricky’s professional advice and his team’s coordination in helping me to do the BTL mortgage. I am from Hong Kong and totally have no ideas how I can get a mortgage from the UK bank. Ricky’s team just very helpful and always response quickly to me for all... read more the enquiries. I'd definitely recommend IFS Wealth & Pensions to other people who are interested in doing BTL or seeking professional advice in other financial planning.
Casey C.
26th August 2022I 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 2023Exceptional service, clear communication, and found me the best deal. Made the whole process smooth and stress-free. Highly recommend to anyone needing mortgage help. Thanks for going above and beyond!
Jeff L.
27th March 2025This 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 2025I 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... read more any queries I may have. Alan, thanks so much for your help and patience.
Joshua A.
26th September 2023I bought my first property a couple of years ago and I could not have done it without the amazing help I got from Mr Ricky Chan at IFS. Buying any property can be stressful but Ricky explained every step, gave useful advice, was extremely responsive over phone and email.... read more I could not recommend this company more for their professionalism, vested interest to tailor to your needs and being an absolute pleasure to work with. I was so impressed that they contacted me ahead of my mortgage renewal recently to advise on the steps ahead and even did the research beforehand to make sure the process was as smooth as could be. Customer care is next to done and I look forward to receiving my Christmas Card each year. Thank you so much for the exceptional work you do!
Cheryl P.
26th August 2021