We can organise:

• Mortgages UK
• Remortgages UK
• Bridging Loans
• Adverse Credit Mortgages *
• Key Worker Mortgage Schemes
• Commercial Mortgages
• Secured Personal Loans
• Buy to Let Mortgages
• Let and Buy Mortgages
• Right to Buy
• Shared Ownership Mortgages
• A range of Protection and Insurance products from a limited panel of providers

* The overall cost for comparison is 7.3% APR TYPICAL. The actual rate available will depend on your circumstances. Please ask for a personalised illustration.

“Making sure your mortgage is cleared in the most economical way possible.”

At Professional Financial Services we offer our clients mortgage management for the life time of their mortgage.

Once we have either remortgaged or mortgaged you for the first time, you will automatically enter into a review system. This simply means that two months before your current product is due to finish, we will contact you again, remortgage you ready for when your current product finishes.

This means that you should always be on the best product for your criteria, and should never have to pay the lenders standard variable rate again.

We at PFS are dedicated to making sure that your mortgage is cleared in the most economical way possible, this means that we may suggest overpaying your current mortgage, switching part of it on to a repayment basis or reduce the number of years left if you are already on a repayment mortgage.

If you are on a repayment basis, due to the way that lenders calculate their interest and charges, you will pay very little back during the first 5 years of your loan, however, this method is guaranteed (subject to all payments being made and on time) to clear your mortgage at the end of its term. Due to the calculation of interest and charges, we at PFS aim to reduce the number of years that you have currently left on your remortgage. By cutting 2 years of your term, our clients save the monthly payments that they would have made to their lender.

If you are on an interest only basis, we can work together with you, to reduce your monthly mortgage payments, set up an over payment scheme, which will over a long period, reduce the number of years you have left to pay.

As you can see, the team at PFS know that your mortgage is the biggest debt you are ever likely to have. So by working closely with each of clients individually, we can taylor your mortgage plan, clearing your debt in the quickest possible timescale.

At PFS, every client has their own account manager that not only deals with their initial remortgage or mortgage, but continues to look after them in the following years. We have found over the years of trading, that having a one on one team member, builds a solid relationship between consultant & client.

PFS Limited charges a fee for this service, this fee depends on your circumstances but it is typically £1,395.00