ADH Mortgage Services
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ADH Mortgage Services Offering a complete range of financial solutions tailored for the individual - Mortgages, Protection, Insurance. Based in Deeside, Flintshire we cover Chester, Flintshire, North Wales, Cheshire, Wirral & Merseyside. ADH Mortgage Services are mortgage advisors offering an outstanding personal service dedicated to solving your mortgage problems and recognising that everyone has unique requirements.

We realise that mortgages and products suitable for some may not be suitable for others. We like to build and maintain good relationships with everyone we help by continuing to provide the best possible service we can to all of our clients. At ADH Mortgage Services we have access to over 55 UK lenders.

The relationship we have with them, combined with the volume of mortgages that we arrange, puts us in a very strong position to ensure we get the right product and flexibility to work for you in the way you prefer, whether that is face-to-face, by telephone or by email.Alongside our mortgage offerings we take pride in providing valuable information and advice on protection products related to mortgages such as Life Insurance, Income Protection, Buildings and Contents, etc.
Highlights

read more › ADH Mortgage Services are professional mortgage brokers who aim to offer outstanding personal service dedicated to finding the right mortgage for you and recognising that everyone has unique requirements. We realise that mortgages and products suitable for some may not be suitable for others. We like to build and maintain good relationships with everyone we help by continuing to provide the best possible service we can to all of our clients whether that is face-to-face, by telephone or by email.

read more › Thank you for your interest in ADH Mortgage Services. Our specialist advisers will ensure that you will receive quality advice, in a friendly and helpful manner, but also get the best mortgage deal possible. Our advisers will tailor-make your mortgage to suit your unique circumstances. You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the appropriate data protection requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

read more › Buying a property can be the biggest decision made in our lives. It is for this very reason that advice from competent and qualified advisers is critical. Whether you are a first time buyer, looking to remortgage or even looking to purchase a second home; this is where our adviser excels. We arrange mortgages day in, day out, as a result we know the mortgage products inside out. Whether your situation is straight forward or not, we'll search for the mortgage that suits you best. ADH Mortgage Services are local mortgage advisors with fast access to the financial market to source the best products to suit your needs, budget and circumstances.

read more › The level of remortgaging has risen over the last 10 years, according to figures from the council of mortgage lenders. While many people are making the most of better rates, it is estimated that more than half of all borrowers may be continuing to pay over the odds for their mortgage each month. Remortgaging to a cheaper deal is one of the easiest ways that homeowners can save money. Many mortgage lenders offer lower fixed, tracker or discounted interest rates in order to attract new customers and will often offer a free valuation and legal fees to entice you away from your existing mortgage provider.

read more › Making a recommendation as to the most appropriate mortgage product for your circumstances. We have access to mortgage sourcing systems that are updated daily so that we can provide our clients with all the very latest mortgage offers. We can then offer mortgages suitable for each individual's requirements. At ADH Mortgage Services we will do our utmost to assist you in the mortgage process. We offer a complete range of financial solutions tailored for the individual including Mortgages and Protection.

read more › Moving home can be difficult when it comes to mortgages. If you're moving home let us take care of your mortgage so all you need to focus on is the move. If you already have a mortgage now is the time to dig out your original mortgage offer and latest mortgage statement. Once you have this information we will discuss how much you might be able to borrow, what your monthly repayments might be and via an income & expenditure analysis, help you establish a budget for your new mortgage. Lenders will want to see proof of your income and certain expenditure, and if you have any debts.

read more › Lenders will assess your buy to let mortgage based upon the rent you are likely to receive as well as your income. In some cases your income is not ever considered. Buy-to-let mortgages require a larger deposit than regular loans (typically 25%), and you'll need to show the lender that the rent will cover your interest payments on the mortgage by at least 125% - in case the property stands empty for a while or needs maintenance. You must pay Stamp Duty Land Tax if you buy a property over a certain price in England, Wales and Northern Ireland.

read more › If you have had defaults or county court judgments in the past, this does not mean you cannot get a mortgage now. If you have completed an IVA or you are a discharged bankrupt, you may still be eligible for a mortgage. Past credit problems don't mean that you cannot get a good mortgage interest rate now. With our access to a range of adverse mortgage lenders and our expertise, ADH Mortgage Services may be able to help and as in many cases over the years. ADH Mortgage Services are local mortgage advisors with fast access to the financial market to source the best products to suit your needs, budget and circumstances.

read more › For years now people working for themselves have felt disadvantaged when it comes to applying for a mortgage. However, even if you don't have two years' worth of records, you may still be able to get a mortgage. Self-employed workers who have a regular track record of contract work may be able to use this to their advantage. Also, if you already have a Mortgage, but wish to move home or simply to get a better deal, the fact is that mortgage lenders are willing to lend to anyone subject to affordability.

read more › As one would imagine, there are many types of Protection Policies to choose from. Finding the one that provides adequate cover and the right protection is not as easy as you may think. Liaise with the insurance company to ensure that your application is processed and accepted as quickly as possible. Due to the large number of options and complexity of some policies we believe that people need to obtain professional advice. At ADH Mortgage Services we will explain the options available to you, without the jargon, so that you have protection that is suited to your requirements.

read more › A Term assurance plan is the most basic form of life insurance and is usually the cheapest way to insure your life. It covers you for a fixed period and pays out a one off lump sum if you die during the policy term. There is also the option, usually cheaper, to choose the benefit as an income for your family rather than a lump sum. The income would run for the duration of the policy in the event of a successful claim. With some term insurance policies you can add additional options, for instance critical illness cover.

read more › An Income Protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. These types of plans continue to pay out an income as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age). This type of plan is quite often seen as the foundation of any financial planning as it is likely that other plans will have to be given up if you do not have sufficient income coming into the household.

read more › In recent years modern medicine has meant that more and more people are surviving a critical illness such as cancer or a stroke, heart attack; but may not recover sufficiently for them to return to full time work. This is where Critical Illness Cover is of benefit, as it is designed to pay a one off lump sum or a regular income if you are diagnosed with a qualifying critical illness during the term of the policy. Critical illness protection can provide financial protection to the policyholder or their dependents on the repayment of a mortgage due to the policyholder contracting a critical illness condition.

read more › If you have a mortgage, your lender will insist that your property (and their security) is protected by buildings insurance. It usually pays out if your property is destroyed by fire, floods or subsidence (although you will need to check if you live on a flood plain, for example). Damage to fixed fittings such as baths and kitchens are often included, as well as sheds, greenhouses and garages. You might be offered buildings insurance when you take out your mortgage, but you don't have to take what's on offer.

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