No face-to-face appointment is required for mortgage work, unless you would prefer to have one. We process most mortgage applications entirely based on phone and email conversations, which means less hassle for you, and faster mortgage approvals. Even better, for mortgages over £200,000 we charge no arrangement fee.
Please note that due to time constraints we are sadly currently unable to help with mortgages of less than £100,000.
How can we help?
We are an IFA and mortgage broker based in Boston Spa, offering independent mortgage advice to clients wherever they are in the UK.
Since the financial crisis applying for a mortgage directly to a bank has become a time consuming and stressful task, with long phone interviews, personal questions, and slow processing times. It has also become harder to work out which mortgage deal is best, with a dizzying variety of fees and interest rates on offer. Online "best buy" tables are stuffed with products that look cheap until you work out how much they want from you in charges and fees.
Our service takes the hard work out of the mortgage application process. We will take the time to understand your specific circumstances and needs, use state of the art software to find the best available deal (avoiding the "teaser" interest rates that come with big upfront fees), apply on your behalf, and deal with any queries that the mortgage company has. You need never speak to the bank directly. Above all we produce results much faster than would be achievable via going directly to a bank, often securing initial mortgage offers within 24 hours of your call.
We offer a mortgage broker and arrangement service on most types of mortgage, including:
Please note that we don't arrange mortgages for debt consolidation, holiday-let properties, renovation / self-build projects, or limited company buy to lets.
Why choose us?
Matthew Harris has arranged mortgages for clients of all types and for properties of all shapes and sizes. Matthew is an FCA-regulated IFA and mortgage broker / adviser with Chartered Insurance Institute mortgage qualifications. Because Harris Independent Financial Advice is not tied to any bank or building society we have access to almost every lender in the market and will recommend the best product for you. Our mortgage advice service is fast, efficient, and for mortgages over £200,000 is free. For mortgage-related customer feedback please see our testimonials page.
What is the process?
We will also, if you wish, recommend a good local solicitor to carry out any conveyancing work required.
What does it cost?
We will receive some commission from whichever lender we recommend, if a mortgage application goes ahead, so for larger mortgages we don't need to charge a fee. Our fee structure is as follows:
These fees are only payable if a mortgage actually happens. If we get you a mortgage offer but you don't use it then no fee applies.
What do our customers say?
"Matt arranged our mortgage on our new family home. We were extremely happy with the service from start to finish. He was extremely good at keeping you up to date during each stage of the process and instils a sense of confidence at what can be quite a nervous time. As a result of Matt providing such great service I also asked him to source and arrange a buy to let mortgage for me which he did, with the same efficiency whilst ticking all the boxes along the way." Chris Rait
Please note: Your property may be repossessed if you do not keep up repayments on your mortgage. Also, the FCA does not regulate some forms of buy to let mortgages.