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Intelligent remortgaging can be the gateway to a better quality of life
You may be remortgaging for many reasons – a property extension, more room for a growing family, purchasing another property, or simply trying for a better rate. Being truly independent, we can show you every possible option. We will always contact you before your mortgage anniversary in any case.
How we work
Many brokers will claim to offer ‘whole of market,’ but that may just mean that they offer every kind of product, but that they are all from the same lender. Independent means that we can offer every kind of product from every lender.
How we can help you
Most people are bemused by the range of mortgages available, what all the terms mean, and – bottom line – what you can realistically afford, while still having a life, so to speak. We can sit down with you – from as early in the process as you like – and explain everything.
We can explain the terms; we can describe your options; we can advise you on the pros and cons of each course of action.
And when you are ready to take the big step, we will guide you through every decision, help you with every piece of paperwork, and give you the peace of mind that you are on the right track.
Benefits
- A single point of contact at all times
- Advice from as early in the process as you need
- Access beyond us to over 25 experienced advisers for the more obscure questions
- Access to every type of mortgage from every lender – we are truly independent
- By your side all the way – to the moment you move in and beyond
- Annual reviews at the very least
Why choose us
Sometimes it seems that there are almost as many financial advisers as there are financial products. Why should you choose us. We think there are many reasons of course, but among the most important are the following:
- We are truly independent and can access the whole of the market.
- We are advisers, not salespeople.
- We are transparent in our costs and fees.
- Our extraordinarily high rate of returning customers shows that people enjoy dealing with us.
This last is perhaps the most important. The proof of the pudding is in the eating. If we did not give our customers great service, they simply would not return.
Your mortgage and equity release team member
Nikki Pilling
Mortgage and Later Life Lending Adviser
Nikki has been in financial services since 1997. She was in retail banking and got made redundant in 2018. She joined Dave at Compass in 2018, and then joined him at Protection and Investment in 2024. Since 2003, Nikki has specialised in Later Life Lending, including lifetime mortgages. She admits to being passionate about the difference that Later Life Lending can make to people’s lives. She has two boys, calls herself a football mum, and her favourite family member is Mabel, the fox-red labrador!
"We couldn’t be happier with the service Nikki provided throughout our mortgage journey. From the very beginning, Nikki was incredibly supportive. She made what could have been a stressful process feel smooth and straightforward."
Billy & Olivia
FAQs
What is it?
Switching your mortgage deal to save money, release equity or change terms.
When should I start?
It is highly recommended to start exploring your options six months before your current deal ends to lock in rates and avoid overpaying.
What if I do nothing?
You will automatically be moved onto your lender’s Standard Variable Rate (SVR), which is typically much higher than a fixed or tracker deal.
Are there fees?
Yes, you may need to pay an arrangement fee, a property valuation fee, and legal/conveyancing fees. Many new deals offer free legal and valuation work to entice you.
What is an ERC?
An Early Repayment Charge (ERC) is a penalty fee charged by your current lender if you leave your mortgage before your current fixed or tracker deal period ends.
Let’s talk about your financial goals
For a detailed, confidential and without-obligation discussion, please get in touch.
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