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Face to Face Financial Services Ltd is authorised and regulated by the Financial Conduct Authority. FCA number 301970

Your home may be repossessed if you do not keep up repayments on your mortgage

The Financial Conduct Authority does not regulate some forms of buy to let mortgages

We charge a fee for mortgage advice. The exact amount will depend on your circumstances but the maximum fee will be £995

Registered address :  31 Cavendish Street, Barrow in Furness, Cumbria, LA14 1SF

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

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Why should I use an Independent Mortgage Broker?

WHAT FACE TO FACE MORTGAGES DO IS EXTREMELY VALUABLE!!!  So....  we thought we'd shout about it a bit

The role of the Mortgage Adviser extends way beyond the actual setting up of the mortgage.  In fact, they are absolutely integral to the home buying process.
A reminder of just what they do


  • In the very first instance, they help the client determine what is and is not affordable

  • They also help the clients understanding of the buying process and in many cases explain the terms used

  • They provide names of trusted and used professionals such as solicitors

  • They help clients decide on a suitable mortgage given their specific circumstances.  The decision is based on the facts they take the trouble to gather

  • They recommend a suitable company and provide reasons for that recommendation making sure that the client fully understands what they are getting involved in

  • They provide illustrations showing ALL costs involved in the buying process and make sure that the client  has the funds to pay these costs

  • They help the client complete the formal paperwork for the mortgage

  • They gather all the relevant information that the lender needs to support the application

  • They help the client understand all the forms provided to them by the solicitor, lender, surveyor etc.

  • They liaise between all the interested parties making sure that everything is going well

  • They keep the client informed of the progress of the mortgage and deal with any questions or concerns the client may have

  • They help the client understand the formal offer issued by the lender and make sure they understand what they are getting into

  • They make sure families can continue living in their homes should one of the mortgage holders become sick or be made redundant.

In fact.... what they REALLY do is....

Communicate with everybody in the purchase process.
Advise on the most suitable scheme based on the client’s requirements.
Remind about all the risks involved in carrying out the transaction.

Ensure the family is protected should anything unforseen happen.