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.

You may already have a mortgage but are moving home, so this may be an ideal time to look at whether changing your lender and product is beneficial.

You may be a first time buyer and are dreaming of owning your first home. Lenders, subject to income requirements, may lend you over 100% of the property value. You may have a deposit in which case the range of products available to you may increase dramatically. After taking your full circumstances into account we will guide you through the whole process, taking your mortgage from application to completion stage in the shortest time possible.

You may want to buy a second property to rent out, buy your council house (right-to-buy) or buy a share in your existing rented property (shared ownership). With all of the above we may be able to help. By filling out an application enquiry form or an enquiry form you can leave the rest of the process to us.

Frequently Asked Questions:

Q: I have never used a mortgage consultant before as I don't like to feel pressurised into making a decision. What makes PFS Limited different ?

Authorised mortgage consultants have the means to search the marketplace to find the most suitable mortgage for you. At PFS Limited, we will also show you what else is available to you and demonstrate why we have chosen this product. It is then completely your choice whether you wish to take up our recommendation.

If you wish to proceed, we will: complete the application with you, inform you of any lender and solicitor requirements and will help you through the process of obtaining your new mortgage from start to finish. At every stage you will be informed clearly and updated regularly.

Q: I have credit problems, can you help me ?

We will take full details from you of your circumstances and objectives so that we can inform lenders fully of your credit history. In many cases we can find a lender that will happily lend to you. However, it is unlikely that we can help you if you do not have a deposit or sufficient equity in your property. 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.

Q: How much do you charge for your services ?

For our work we charge a standard fee of £395 for a mortgage review and application - which is payable at the start of the process by credit / debit card or by cheque - but is refundable at our discretion if the lender declines your application or we do not meet our obligations to you. This gives you the peace of mind that you will have 100% of our attention and that we will handle your application professionally, efficiently and with your best interests in mind.

More about what our fee includes...