About the team
I am a qualified and experienced mortgage advisor, Thomas Cai Hughes.
Cai has over 12 years experience in the property market as a landlord. He’s provided mortgages to a wide variety of customers over the years, from first time buyers to landlords with large portfoilios of properties and complex financial affairs. He enjoyes a challenge and prides himself on going above and beyond what is expected.
About our fees
Typically, we charge a fee of £350. Although fees of up to £495 may be charged dependent on the complexity of the mortgage being arranged. This will be confirmed in the initial meeting.
This enables us to offer you the widest range of deals, including those that are not accessible to the general public.
Clients are happy to pay this fee as they know our advice has the potential to save them money over the long run, and therefore represents good value.
We know the market so well that, to date, we’ve never had a mortgage refused due to criteria by a lender that we’ve submitted to. If you work with us, you can be confident that if we advise you on a deal, you’re likely to be accepted for it by underwriters.
We also receive some income from mortgage lenders for our services. This is because when a client applies for a mortgage through a broker like us, we are in effect pre-assessing them for a lending decision. The process saves mortgage lenders time and money, and so they’re happy to pay us a commission on that basis.
Questions? Get in touch with us today on 0161 399 0198.