Welcome
Independent UK Mortgages
Initially established with a primary focus on providing guidance exclusively for residential mortgages and buy-to-let mortgages, Independent UK Mortgages has witnessed a notable evolution over time. The business has experienced a notable increase in inquiries pertaining to an array of additional products and services. These include but are not limited to: life insurance, equity release / lifetime mortgages, pensions / pension transfers commercial mortgages and solicitor conveyancing requirements. This diversification of client demands was the catalyst for me to expand the company expertise and broaden its horizons to meet the evolving needs of its clients.
Therefore, back in 2020 I made the strategic decision to transform the business model and transition into a professional introducer covering more areas than simply mortgages. Over many years I have built a formidable network of specialist advisers. I now specialise in connecting individuals with highly-skilled professional advisers who excel in their respective specialist areas. This allows me to deliver exceptional responsiveness to your inquiries and facilitate prompt connections with specialists to meet your specific requirement. I will set up the appointment for you and the adviser will call you very promptly at the agreed time. I am readily available to answer your call, respond to emails / texts between the hours of 8 am and 10 pm, seven days a week. This commitment ensures that you have the flexibility to reach out to me at any time, aligning seamlessly with your work, family, and social commitments.
Mortgages
Mortgages and Buy to Let's
Whether you are a first-time buyer embarking on your first purchase, in the process of moving home, or considering a remortgage, I am totally committed to connecting you with exceptionally well qualified professionals, who will provide their expert advice at your convenience. I will introduce you to an FCA-regulated adviser who will take the time to thoroughly understand your specific requirements and fully assess your current financial situation before offering any recommendations.
With whole of market access which includes all Banks and Building Societies along with specialist lenders, their mortgage sourcing system electronically searches all available lenders and all of their respective products to identify the most cost-effective solution to match your needs. Furthermore, I extend the same comprehensive introduction process should you be seeking buy-to-let mortgages / remortgages, or further advances.
Life Insurance
Life Insurance, Critical Illness Cover & Income Protection
Once you have taken the significant step to look for your new mortgage, it's crucially important to consider the appropriate protection policies. While individuals generally feel comfortable insuring: their building & contents, pets, vehicles, and other tangible possessions, many overlook the importance of insuring their lives, health, and incomes
Consider this: How would your family manage financially should anything untoward happen to you? How would your family meet their mortgage payments and other financial commitments if illness or “god forbid” death, should occur?
At Independent UK Mortgages, my commitment extends beyond connecting you with just a mortgage adviser. I also ensure that you receive expert guidance regarding life insurance, critical illness cover, and income protection by referring you to a highly qualified specialist in this field. The specialist protection adviser will emphasise the significance of these protective measures, aiming to safeguard you and your loved ones against potential financial hardships in the face of unexpected events. By addressing these aspects alongside your mortgage journey, the adviser will strive to provide a comprehensive and holistic approach to your financial well-being.
Equity Release
We work with a suite of Equity Release specialist advisers
At Independent UK Mortgages I also work with a suite of equity release / lifetime mortgage specialist advisers. Simply make initial contact with me and I’ll introduce you to a highly qualified FCA regulated professional adviser.
Equity release products offer the opportunity for over 55’s to access funds tied up in their residential property. This type of financing particularly resonates with people who may find themselves 'asset rich - cash poor'.
Perhaps your pension falls short of your expectations but you have witnessed a substantial increase in your property value. Alternatively, you may have children struggling to enter the housing market. Equity Release may allow you to provide them with financial assistance earlier than planned. Part of their inheritance may be of more use to them now than later in life.
The amount you can release from your property is always calculated on a case-by-case basis. Once you speak to one of our specialist advisers, they’ll be able to run a few accurate calculations for you very quickly.
Why do people take out Equity Release products?
- Pay off an interest-only or repayment mortgage.
- Undertake home improvements or build an extension.
- Pay deposits for children’s homes.
- Purchase a dream holiday home or embark on a once-in-a-lifetime trip.
- Secure the finances to fund care in your own home and therefore avoiding the need for residential care facilities.
- Buy a new home, part with cash and part with Equity Release.
These are just a few examples of the possibilities that equity release products can provide for.
Pensions
Pensions & Pension Transfers
In today's increasingly aware society, individuals are recognising the importance of providing funding for their retirement. With a multitude of options available, it becomes crucial to consult a highly qualified financial adviser who can guide you through the various pension choices. At Independent UK Mortgages, I have an extensive network of pension professionals who can guide you all aspects of your retirement planning.
By contacting me I will facilitate a professional introduction with a highly qualified pensions expert who can cater to your specific requirements.
During your consultation, the pension adviser will carefully assess your circumstances and discuss the range of options available to you. They will provide in-depth explanations and analysis, ensuring you have a comprehensive understanding of the pension landscape. This expertise will enable you to make informed decisions that align with your long-term retirement objectives.
Additionally, you may have multiple private/personal pensions that you would like to consolidate. Simply get in touch with me and I will connect you to a highly-qualified professional adviser who will be more than happy to help you.
Commercial
Commercial Mortgages / Loans
Commercial mortgages are financial products specifically designed to facilitate the purchase or refinancing of commercial properties. These mortgages are tailored for businesses and investors seeking funding for properties such as office buildings, retail spaces, industrial facilities, or multi-unit residential buildings. Unlike residential mortgages, commercial mortgages are typically structured with different terms and requirements to accommodate the unique characteristics of commercial properties and the specific needs of businesses.
Obtaining a commercial mortgage can provide businesses and investors with the opportunity to acquire or refinance commercial properties, enabling them to grow their operations, generate income, and build equity. However, due to the complex nature of commercial real estate transactions, it is crucial to seek guidance from a financial professional who specialises in commercial mortgages. These experts can help navigate the application process, assess the financial viability of the investment, negotiate favourable terms, and secure the funding needed to achieve business objectives.
Simply contact me to arrange your professional introduction.
Solicitors
Instruct a highly qualified professional solicitor when buying or selling a property
The legal process known as conveyancing can often seem overwhelming, filled with intricate terminology and complexities. However, my experienced solicitor contacts are extremely well-versed in simplifying and demystifying every aspect of your transaction. They have a wealth of knowledge and a knack for explaining even the most intricate legal details in plain and easy-to-understand English. You can rely on them to break down the jargon and ensure that you have a clear understanding of the entire process.
By engaging one of our highly qualified solicitors, you can have peace of mind knowing that you have a dedicated professional by your side, advocating for your best interests throughout the property transaction. Their expertise will not only provide you with legal guidance but also offer reassurance and support during what can sometimes be a complex and challenging process.
Finally, I will only introduce you to solicitors who use state of the art systems and embrace the latest technology. They use highly sophisticated Client Relationship Management (CRM) systems and will keep you updated on a very regular basis.