Business Details
Independent Mortgage Brokers in Barnstaple
Established as a trusted name in North Devon's mortgage market, we operate as independent brokers dedicated to providing impartial financial guidance. With over four decades of collective experience, our team specialises in mortgage solutions, loan arrangements, and insurance services tailored to individual client needs. Our independence from banks and building societies allows access to the entire mortgage market, ensuring clients receive competitive rates and bespoke advice. We prioritise client education, offering clear explanations of complex financial products while maintaining transparency throughout the process. Our services extend to commercial loans, bridging finance, and protection policies, supported by daily market research to deliver up-to-date solutions.As an FCA-authorised firm, we adhere to strict regulatory standards, maintaining professional integrity and client confidentiality. Our local expertise in Barnstaple and surrounding areas enables informed recommendations for property transactions, with flexible appointment options including early morning availability. We utilise mortgage calculators and digital tools to enhance client understanding, while maintaining a personal approach through direct communication channels. Our team's extensive industry backgrounds, spanning roles from bank management to specialist mortgage advising, ensure comprehensive support for both first-time buyers and experienced property investors.
Services
Mortgage Advice
Buy to Let Mortgages
Remortgage Advice
Commercial Loans
Bridging Loans
Income Protection
Building Contents Insurance
Highlights and features
- 40+ years combined experience in North Devon mortgage market
- Independent brokers with access to whole mortgage market
- FCA regulated for professional financial services standards
- Personalised service with local property market expertise
- Flexible appointment options including early morning slots
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Advice
Our independent mortgage advisors provide comprehensive guidance for first-time buyers and experienced investors. We assess individual financial circumstances to recommend suitable mortgage products from the entire market. With specialist knowledge of North Devon property trends, we help clients secure competitive rates while explaining all associated risks and commitments clearly.
Buy to Let Mortgages
Tailored financing solutions for property investors seeking buy-to-let opportunities. We evaluate rental income potential against mortgage costs and advise on tax implications. Our market expertise helps investors maximise returns while navigating regulatory requirements. We compare specialist buy-to-let products to find optimal financing arrangements for portfolio growth.
Remortgage Advice
Expert guidance for homeowners seeking better mortgage terms. We analyse existing mortgage arrangements and identify more favourable deals across the market. Our service includes assessing early repayment charges and potential savings. We provide clear comparisons of new mortgage features to help clients make informed decisions about refinancing their properties.
Commercial Loans
Specialist financing for commercial property purchases and business operations. We arrange loans for hotels, care homes, retail premises and other commercial ventures. Our advisors understand sector-specific requirements and match borrowers with appropriate lenders. We provide guidance on loan structures, interest rates and application processes for businesses seeking property financing.
Bridging Loans
Quick-access funding solutions for property transactions requiring immediate finance. We arrange bridging loans secured against residential or commercial properties, with completion typically within 7-10 working days. Our advisors explain the costs and risks associated with these short-term loans while identifying suitable lenders for time-sensitive property purchases or developments.
People
Ian Palfreeman
Financial / Mortgage Advisor
With over 30 years in financial services since 1991, Ian established himself as an Independent Financial Advisor in Barnstaple after leaving Lloyds Bank. He specialises in mortgage solutions while maintaining high service standards. His local expertise benefits clients seeking property financing in North Devon.
Jason Morgan
Financial and Office Manager
Jason brings extensive banking experience from Natwest, where he progressed to Bank Manager. Joining in 2013, he applies his mortgage industry knowledge to ensure smooth client experiences. His organisational skills support efficient processing of mortgage and loan applications for the firm's clients.
Tony Griffin
Mortgage Advisor
Qualified mortgage advisor with prior administrative experience in local firms. Tony specialises in helping clients find suitable mortgage solutions while ensuring clear communication throughout the process. His approachable manner benefits first-time buyers and property investors alike in North Devon's property market.
Questions
What mortgage options are available for first-time buyers?
We offer comprehensive advice on all first-time buyer mortgages including Help to Buy schemes. Our advisors compare deals across the market to find suitable options based on individual circumstances.
Can I remortgage my property to get a better rate?
Yes, we specialise in remortgage advice. We'll analyse your current mortgage terms, assess potential savings and recommend suitable alternative products from across the market.
Do you offer commercial mortgages for business premises?
Yes, we arrange commercial loans for various business properties including shops, pubs and care homes. Our advisors have specialist knowledge of commercial lending requirements and market options.
What insurance products do you recommend with mortgages?
We advise on protection options including life assurance, critical illness cover and income protection. We also offer building and contents insurance tailored to homeowners' specific needs.
How quickly can bridging loans be arranged?
Our bridging loans typically complete within 7-10 working days. We work with specialist lenders to provide short-term financing solutions secured against residential or commercial properties.
