Your personal Mortgage & Protection Planner
CeMAP qualified adviser offering expert mortgage and protection services in the UK. Honest, reliable, and dedicated to helping you secure your current and future needs.
Professional Mortgage Services
Building a relationship
My focus is not to provide a transactional service but to forge a long-term relationship with you. I look to provide advice based on your current and future plans whether that may be buying your first home, re-mortgaging, moving home or building a buy to let property portfolio.
Whole of market
I offer a mortgage review service that is representative of the whole of the market. If you require specialist advice on products such as 2nd charge mortgages or bridging loans I can also refer you to a specialist
What I Offer
First-time buyer
Re-mortgage
Moving Home
Buy-to-Let
Self-Employed
Protection Insurance
Think carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Some Buy to Lets are not regulated by the Financial Conduct Authority.
Frequently asked questions
What is a mortgage broker?
A mortgage broker is a person or company that will review your personal financial situation and search for a mortgage product that is most suited to your needs.
Why use a broker when I can go straight to the bank/lender?
The bank/lender will offer you products and services only offered by them and not across the whole market. I can offer you tailored advice time and time again across the whole market as I am not tied to a lender
How to increase my chances of borrowing?
Ensure your credit report is accurate using agencies like Experian to check and update. Save a larger deposit and check your 'loan to value' (LTV) so you know how much deposit you require in relation to the mortgage size and house you wish to buy. Reducing your outgoings and/or loans as these may affect your mortgage size you can borrow or adversely affect your mortgage application
How much can I borrow?
Generally banks offer a maximum loand between 4-5x your annual salary however this is subject to a full assessment of your finances which will take into factors such as your monthly salary, expenditure, financial commitments, loans etc.
When can I contact you?
I offer a flexible services that works around your schedule which can includes evenings and weekends. Reach out to me to discuss!
What's in it for you?
The lender will pay me a commission based on the size of the mortgage upon completion. An additional broker fee may also apply depending on the complexity or mortgage size however I will always advise if this applies during our first contact and no fees will apply until both parties have agreed
Contact Me
Have a question or need assistance? Contact me!
Curtis Lam
07854403312