We provide a personal mortgage service which includes the following types of situations:

Mr and Mrs A both have reasonably well paid jobs but are finding it difficult to get their foot on the housing ladder in London where they live. We use a computer system that can immediately identify one or more lenders that would be willing to lend them the amount they need.

Mr B has inherited some money and wishes to use it as a deposit on a 'buy to let' property. We can arrange the most suitable type of mortgage but will also be happy to talk through the wider pros and cons of what he is wanting to do.

Mrs C and her husband have been with the same lender for many years and wonder if they are paying too much for their mortgage. We will carry out a review of the remortgages that are available to them and advise them accordingly.

Mr and Mrs D would like to buy a home but their incomes are just not sufficient and they have student debts to repay. Mr D's father does however, have a relatively high income and a small mortgage. We can recommend a lender who will allow Mr D's father to act as guarantor so that they can purchase a home of their own after all.

Mr and Mrs E have a substantial mortgage that was to have been repaid by a number of endowment policies. There is a large projected shortfall. We can review the endowment policies and recommend whether any should be surrendered. We would then calculate how much repayment mortgage is required to make sure that the mortgage is likely to be repaid.

Miss F is a busy production manager in television but wants to keep on top of her mortgage costs. We will find the most attractive fixed rate or other mortgage package and automatically review her mortgage before the initial terms end.