At Clear Financial Solutions we are committed to providing the best possible level of professional service by searching the whole of the market and selecting the most suitable products to suit your individual needs Choosing a mortgage is one of the biggest financial decisions that you ever have to make, and we strongly believe that seeking the right advice at the start can help you improve your long-term financial stability. Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is totally independent and individually tailored to your needs and requirements? We are not tied to any particular lender, which means that we have the ability to act on your behalf, representing your best interests, in order to establish the most appropriate mortgage solution for you. The credit crunch, which started in 2007, dried up the supply of mortgage finance with some specialist lenders being driven out altogether. Now there is but a small number of mortgage lenders which have increased their hold over the market for new UK home loans. The lending community itself has undergone dramatic change, with many lenders either merging or ceasing lending altogether. Fewer lenders means less competition, and those lenders still in the market have only limited amounts to lend, so they aren't competing so hard with each other if borrowers do not have a substantial deposit. Lenders have become much more careful about who they lend to, and on what terms. We look at your mortgage not only as a loan to buy your home, but as part of your overall financial profile, in order that it ties in with your intended retirement date, when you plan to start a family and when you wish to move home. Based on the information you provide in your meeting with our adviser (it is essential that you provide truthful and up to date information), we will search the UK mortgage market reviewing hundreds of lenders, some of which offer exclusive products to brokers such as ourselves, to determine which lender will offer you the most attractive mortgage options suited to your particular requirements. One of our mortgage experts will then contact you to discuss your enquiry, source the products on your behalf, answer any queries you may have and provide you with any further information you may require. Our Services â€Remortgage â€Buy to Let â€First Time Buyer â€Mortgages â€General Insurance â€Secured Loans â€Commercial â€Moving Home
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