hather financial services 17
hather financial services 14

We offer a comprehensive range of mortgage products from across the market. We offer both first and second charge mortgages, but not deals that you can only obtain by going direct to a lender.

For those seeking to increase their existing borrowing, alternative finance options may be available and more appropriate for your needs. For example, a further advance from your existing lender or an unsecured loan (e.g. a personal loan). For those seeking a ‘Retirement Interest Only Mortgage’, a ‘Lifetime Mortgage’ may be available and more appropriate for your needs.

There are so many reasons why having an Independent Financial Adviser can be invaluable when looking at mortgages. For many people it is unlikely that they will make a bigger or longer-term financial commitment than a mortgage. It is important to get your deal right to avoid paying more in fees or interest than you need to and ultimately having advice in this area can be the difference between you purchasing or loosing your dream property.

We are fully independent which means we can check the whole of market product ranges, matching the right mortgage to your personal needs. We are able to arrange mortgages to cater for all types of buyer whether you are a first time buyer, Moving Home, Re-mortgaging or purchasing an investment property such as a Buy to Let*.

Our advisers will take time to look at your current situation fully as well as considering your future expectations to help you get the best deal possible on your mortgage. Our extensive knowledge and experience can help you in this complex area.

The long term nature of the business we do with our clients means that we are able to take time at the end of your deal to check that your mortgage is still the most appropriate and cost effective for your individual needs. If necessary, your adviser would then source a new deal for you from the wide panel of lenders available to us as Independent Financial Advisers.

*The Financial Conduct Authority (FCA) does not regulate most forms of buy-to-let mortgages.

Our typical fee for mortgage advice is £250.00, although the precise amount will depend on your own circumstances. In certain circumstances the fee may be waived. Full discussion would take place prior to proceeding with a mortgage application in these cases. We may also be paid commission by the mortgage lender. Again, this is fully disclosed during our meeting.

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

You may have to pay an early repayment charge to your existing lender if you re-mortgage.