Mortgage Advice

Your home is likely to be one of the biggest purchases you will ever make. For most people, financing it is the most significant debt they will need to commit to.

Buying and selling property is a notoriously stressful process, and you will want to find the most appropriate mortgage for your needs without an extra headache.

Although there are many ways to search for your own mortgage, and estate agents and banks will be keen to push their preferred options, the best way to find the most suitable mortgage for you is through an independent financial adviser.

Talis IFAs take an objective view of the whole market, and understand the criteria that particular lenders apply.

Once we understand your needs, we will search the market and make our recommendations based on your circumstances. We will act as your advocate, and complete application forms on your behalf, minimising the potential pitfalls of errors, omissions or non-disclosure.

If your circumstances or needs are unusual, we will identify the most likely lenders, and because we have good relationships with many lenders, we are often able to talk to real people to get a response, rather than relying on inflexible online systems.

This can save you time, frustration and money by avoiding the need for multiple applications and credit checks, and reducing the risk of being turned down by a lender after you’ve made a commitment.

You’ll also find the burden on you to collate, verify and provide documentation for the lender is reduced. Your Talis IFA will handle this for you. With decades of experience, will liaise with other parties involved, and are often able to predict and resolve problems in advance.

When you are arranging a mortgage, you also need to ensure that your finances are protected from the unexpected. Our Financial Protection advice starts with you and your family in mind, working together to find suitable cover for you.

Your home may be at risk if you do not keep up the repayments on a mortgage or other loan secured on it.