Business Details
20 Years
experience
Expert Mortgage & Protection Services in Shanklin, Isle of Wight
At 1st Call 4 Mortgages, we prioritise your needs by leveraging our independence and access to the entire mortgage and protection market. Established in 2006, our team of over 70 specialists brings extensive expertise in navigating complex financial scenarios, including self-employment and credit challenges. We pride ourselves on transparency, offering free initial consultations and managing applications from start to finish.Our regulatory compliance and diverse lender network ensure tailored solutions for residential, commercial, and investment mortgages. With a focus on client-centric service, we provide ongoing support beyond standard offerings, including legal and insurance arrangements. Our commitment to ethical practices and clear communication has earned us a reputation as a trusted partner in mortgage advisory services.
Services
Residential Mortgages
Protection Mortgages
Investment Mortgages
Commercial Mortgages
Details
- Year established: 2006
Highlights and features
- We offer free initial consultations with qualified mortgage specialists.
- Our team has over 70 advisers with expertise in niche financial scenarios.
- We access the entire mortgage market, including exclusive lender deals.
- Regulated by the Financial Conduct Authority for compliance and transparency.
- We provide end-to-end support, including legal and insurance arrangements.
Associations and certifications
- Financial Conduct Authority
Services
Residential Mortgages
Residential mortgages facilitate home purchases for personal occupancy, catering to first-time buyers, home movers, and remortgagers. We offer tailored solutions for fixed-rate, variable-rate, and tracker mortgages, ensuring affordability assessments align with lender criteria. Our advisers help clients navigate equity release, second charges, and product transfers, prioritising competitive rates and seamless application processes.
Commercial Mortgages
Commercial mortgages support businesses acquiring or refinancing premises, including offices, retail spaces, and warehouses. We specialise in owner-occupied, investment, and development finance, with expertise in bridging loans and agricultural mortgages. Our approach considers business revenue streams and creditworthiness to secure optimal terms, leveraging a panel of specialist lenders.
Protection Insurance
Protection insurance covers life, critical illness, income loss, and property risks, ensuring financial security against unforeseen events. We provide tailored policies for mortgage holders, landlords, and self-employed individuals, including income protection and private medical insurance. Our advisers assess client needs to align coverage with personal and financial circumstances.
Investment Mortgages
Investment mortgages cater to buy-to-let landlords and property developers, requiring higher deposits and rental income assessments. We offer guidance on holiday lets, HMOs, and portfolio landlord financing, with access to lenders specialising in high-risk or niche property ventures. Our support includes portfolio management and equity release strategies.
People
Paul Butler
Director
Paul Butler founded 1st Call 4 Mortgages in 2006 after qualifying as an Independent Financial Adviser in 1993. With over 30 years' experience, he specialises in addressing complex mortgage scenarios, driven by personal experience of poor financial advice. He leads a team of 70+ specialists, focusing on client-centric solutions.
Questions
What types of mortgages do you offer?
We offer residential, commercial, investment, and protection mortgages, including niche products for self-employed individuals and those with credit challenges.
Are your services regulated?
Yes, we are authorised and regulated by the Financial Conduct Authority for mortgage, insurance, and consumer credit mediation activities.
Do you charge for initial consultations?
No, our initial guidance is free, with no obligation to proceed. We disclose all commission models transparently during the application process.
How do you find competitive mortgage deals?
We access the entire mortgage market, including exclusive lender panels, to match clients with deals suited to their financial circumstances and goals.
Can you help with complex mortgage cases?
Yes, our specialists excel in handling non-standard cases, such as adverse credit histories, self-employment, and unique property types.
What areas do you serve?
We operate nationwide across the UK, with advisers available to assist clients remotely or in-person where possible.
