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.