Mortgage Adviser-North Wales
Conwy based mortgage adviser covering Conwy, Llandudno, Anglesey, Gwynedd, Denbighshire and Flintshire. Click book now to secure your preferred appointment. You can also get in touch by phone, or sending over an e-mail. For flexible appointments, including in the evening, send over an e-mail or WhatsApp and I will get back to you. I can also meet you in person if you prefer a face to face mortgage appointment.
Can I still get a mortgage if I’ve had bad credit?
Many of the clients I see have credit issues, often coming to me after they’ve been refused elsewhere. There are options available depending on the type of adverse credit on your file. Some lenders will ignore certain missed payments completely, while others can accept defaults and CCJs. A decline from one lender certainly doesn’t mean a decline from all lenders and this is where lender access really matters.
Are you a whole of market broker?
Yes, as part of New Leaf Distribution, I have an unlimited number of lenders on panel. This enables me to find the right mortgage product for your individual circumstances.
What’s New Leaf Distribution?
New Leaf is the principal firm, directly authorised by the FCA. Hirschle Hughes is an authorised representative of New Leaf and Craig Michaelson is an adviser. New Leaf’s registered office is in Rayleigh, Essex.
Can you assist landlords with their mortgage needs?
Yes, I provide mortgage solutions for landlords. Whether you have a single property or several, I can source suitable options for properties in personal names or in a Ltd company.
Can I make an offer on a property?
If you have already found a property, the best course of action is to get in touch as soon as possible. Estate agents do accept offers but it can give you a great advantage if you have a decision in principle. I will obtain this for you based on your affordability and other important factors such as your credit profile and the type of property. This approach ensures that we approach the right bank and maintain the confidence of the seller and agent that you are able to obtain a mortgage. The last thing that you want to happen is for a mortgage application to be declined because the application is outside of criteria.
Can you arrange life insurance?
I have access to all the main UK protection providers and can can place income protection, life insurance and critical illness cover applications as well as private medical insurance. Whether you need insurance as part of a mortgage application or for peace of mind, I have whole of market access and considerable experience in this field.
What do clients value most from using a mortgage adviser
Most of my reviews are from clients who’ve appreciated the reassurance and guidance I provide throughout the process. A mortgage application can feel stressful and confusing, especially when lenders, solicitors and estate agents are all involved. My role is not just finding the mortgage, it’s dealing with the process, keeping things moving, and making sure everything is in place before we even apply so we’re approaching the right lender from day one.
How can you help a first time buyer with a mortgage
I help first-time buyers understand the mortgage process and secure the best mortgage option for them. As well as looking at different rates, I also look at what mortgage term is most suitable, whether to opt for a fixed rate or a variable rate and also compare options where the lender does and doesn’t charge a product fee.
What providers do you work with?
All High Street banks as well as numerous specialist lenders. New Leaf Distribution, as the principal firm gives me whole of market access. I can also access broker exclusive products and providers as well.
Can you help, I am self-employed?
This is a common question. Most banks treat self employed income in the same way as employed income. However if your case is slightly more complex, for example you have been trading for less than 2 years, have multiple income streams, dividends or directors income, there are certain banks that are a better fit. By assessing you unique situation, I will ensure that we make the application with the most appropriate lender.
Guarantor mortgage?
Joint borrower, sole proprietor is a type of mortgage where the lender allows additional applicants on the mortgage to help with affordability. The “joint borrower” will be named as a borrower but they won’t own the property.
Can you help with remortgages and product transfers?
I can certainly help you with your remortgage or product transfer. If you are looking to consolidate debt or port your mortgage to another property. I also check rates between mortgage offer and completion. If the selected lender introduces an appropriate lower rate, I can switch you to that.
How do I get started with your mortgage advice?
Book a free consultation by filling out the contact for or send over an e-mail. You can also WhatsApp me to get the conversation started prior to setting up a meeting.
Expert Mortgage Advice
Residential Mortgages
Helping first-time buyers, home movers and anybody remortgaging to secure the best mortgage deals with personalised guidance and home owners looking to move house.
Commercial Finance
Providing access to lending options to support your business property transaction. I have helped businesses across North Wales with business finance.
Protection and Insurance
Access to multiple UK insurance providers giving you comprehensive advice to set up life insurance, income protection and critical illness cover.
Local mortgage advice
North Wales mortgage and protection adviser with clients across the UK. I am based in Abergele, North Wales but I actually have clients all over the UK including Stoke-on-Trent, London, Cambridge, Dorset and Newcastle. If you are anywhere in the UK, send over a WhatsApp or e-mail with your mortgage advice question
Mortgage questions
If you have any other mortgage questions, don’t hesitate to send over a WhatsApp message or an e-mail. If I can genuinely help, I will.
Secure and Confidential Consultations
All client information is handled with strict confidentiality using secure systems to safeguard your privacy. Financial advisors receive regular training as they handle special category and sensitive data.
