Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority do not regulate some buy-to-let mortgages.
Where advice is required in respect of mortgages, we are able to refer you to Curchods Mortgage Services.
Having been in business for over 20 years, providing advice on residential mortgages, buy-to-let mortgages, life assurance, health insurance and mortgage advice, Curchods Mortgage Services are able to provide whole of market advice, with their advisers being fully qualified and having many years of experience, to advise, research, prepare and submit your mortgage application. If you need to secure a mortgage for your next property purchase, we would be more than happy to refer you, so please contact us to find out more.
For the purposes of mortgage advice, Burns and Webber make introductions to Curchods Mortgage Services. Curchods Mortgage Services is a trading style of Lifetime Wealth Management Limited, which is an appointed representative of Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority. Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited are entered on the FCA register (www.fca.org.uk/register) under references 440703 and 440718.
Director - Senior Mortgage Consultant
Senior Mortgage Consultant
Mortgage and Protection Consultant
Senior Mortgage Consultant
I was approached by a client who has had discussions with his bank and also another mortgage consultant. He was told by both of them that with only one years trading and accounts then he would struggle to find any mortgage lender willing to lend to him.
He was directed towards one lender that ‘may’ look at the case, however this was declined on affordability due to the fact that he was paying a large school fee each month. This reduced the lending down to below half of what the client required.
With only one year's trading behind our client, the traditional approach to securing a mortgage was not being successful... read more
A new client was referred to Curchods Mortgage Services by one of our sales offices who were currently living in rented accommodation and had found a property they wanted to purchase for £335,000. They had managed to save 15% of the purchase price to cover the deposit for the property.
They had spoken to a number of local competitors mortgage advisers and had been told they could not find them a mortgage which would allow purchase to proceed.
Lenders were declining their mortgage application because our client was about to start a new job and would be on probation whilst his wife was earning self employed income... read more
I was introduced to a potential client who wanted to move home but were declined by their existing lender due a black mark on their credit file since taking out their original mortgage.
They spoke to three other high street banks and spent a total of six hours in meetings with the banks only to establish that none of them could help.
Our client could not secure the mortgage they needed because of the black mark on their credit file.
After meeting with the clients I was quickly able to demonstrate to the clients that they were not 'un-mortgageable' but that... read more
I was contacted by a client of US nationality, who wanted to buy a property for sale in the Cobham area and they currently resided in the United States.
They had seen a brand new property available for £1.5 million and they needed to borrow 75% of the property value.
The client was a Finance Director of a large Multi-National company with income derived from various allowances along with basic income.
Due to the nature of the client’s residency overseas currently and their Visa status... read more
I had a client who is a corporate lawyer working for a large American Law firm. The client is classed as an equity partner, responsible for her own tax and was renumerated by invoicing the law firm. Her partner is a fitness instructor on a part employed, part self-employed basis. She banks with HSBC and was promised a loan on a property in Putney of 70% of the property value. The client also has a rental property in the background, which is self-funding and mortgaged with HSBC as well.
A week before exchange of contracts HSBC declined the loan, Curchods Mortgage Services were asked to step in at short notice to try and... read more
Mortgage Services, Wix Hill House Epsom Road, West Horsley, Surrey, KT24 6DY
Monday - Friday 8.30am - 6pm