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Secured Loans

Need to release equity from your home, but can’t borrow more through your current lender? Maybe you want to carry out some home improvements, or use equity towards school fees or a business start-up? 

If you are tied into a fixed rate, or maybe your income isn’t quite enough to borrow the amount you need, then a secured loan might be an option.

Secured loans use the collateral in your home as security. The rates are lower than those offered on unsecured borrowing and the repayments can be spread over a longer term to keep costs down.

We have links with the top secured loan providers who are eager to lend. Contact us to discuss your options.



Spring is here

Spring is here and it’s out with the old and in with the new, that could be the case for your mortgage too!

Just because you took your mortgage out with a particular lender, it doesn’t mean you are tied to them for life.  Lenders are in constant competition with each other and they want your business.  By shopping around, you may find a better deal elsewhere.

We are a Whole of Market broker which means we have access to the widest choice of lenders on the market.  We can do the shopping around for you, and if it turns out your current lender can still offer you the best deal, then we can often change this over for you to save you the hassle.

If you would like to discuss your options in more detail, contact us for a free initial consultation.



Absolutely Mortgages featured as one of the Top-Rated Mortgage Advisers 

We are delighted to share with you a guide produced by VouchedFor for the Times last weekend  featuring none other than Ciara Duffy of Absolutely Mortgages. The 'VouchedFor's 2019 Guide to the UK's Top Rated Financial Advisers' provides some valuable advice about financial planning along with some top tax tips.

Ciara is in the Greater London bracket of the Mortgage Adviser section of the guide, this lists 'financial and mortgage advisers who are consistently doing an excellent job for their clients'. They have been chosen as those with the highest reviews on VouchedFor since the start of 2018. A big thank you to those of you that have provided Ciara, and Absolutely Mortgages, with positive reviews. 

Whatever category of client you are, we will always endeavour to provide an in-depth personalised service to give you the best help possible so please get in touch should you need any advice.



Tips for first-time buyers

If you’re a first-time buyer looking to get a 90% or 95% mortgage, then here are some top tips to make sure you get approved:

  1. Make sure you’re on the electoral role at your current address. If the lender can’t find you registered at an address it can reduce your chances of being accepted.
  2. It’s good to have a credit card to show you can maintain financial agreements, but make sure it’s not at its limit. Using the majority of available credit can have a negative effect onyour credit score.
  3. Keep up to date on all payments, not just credit cards, but also overdrafts, mobile phone bills and utilities. One late payment on your account could result in your application being declined.
  4. When the time comes to apply for a mortgage, the lender will want to see proof of your deposit. If it’s from savings, the lender will want to see a gradual build-up of funds. Any large deposits will need to be explained.

If you would like to discuss your options in more detail, contact us for a free initial consultation.



Benefits of a mortgage broker

We often get asked what are the benefits of using a Mortgage Broker?

  • Firstly, we act as your agent, so you don’t have to contact lender after lender looking for the best deal.
  • We have access to exclusive mortgage rates which aren't always available on the high street.
  • We assess your individual needs to ensure you are matched to the right lender, no nasty surprises further down the line.
  • We have access to lenders directly and have established relationships with them, no call centres or holding for hours.
  • We provide you with regular updates o the progess of an application and do the chasing on your behalf.
  • We also have ties with reputable conveyancers, life assurance and home insurance providers, we can offer you the whole package.

The article below highlights a number of the benefits. There is a lot more involved than you may think.

Read the full article


If you would like to discuss your options in more detail, contact us for a free initial consultation. | 020 8393 9222 |