So why choose us?
Everyone’s life is different and not every person or family fits into the same box. If you’re worried your financial situation will hold you back from finding a mortgage or protection package that works for you, give us a call. Our team is ready to help hunt down a deal that’ll give you what you’re looking for, whatever your circumstances.
Our team is made up of experienced mortgage and insurance product experts, all of whom are seasoned in helping people just like you find the products that work best for them. The advice we give and the products we suggest aren’t just pulled from thin air – they’re carefully selected using our years of industry analysis, so we can offer you solutions that’ll work for you now and in the future. Other firms claim to offer the best advice, but we’ve got the maturity to back it up.
Our team is made up of experienced mortgage and insurance product experts, all of whom are seasoned in helping people just like you find the products that work best for them. The advice we give and the products we suggest aren’t just pulled from thin air – they’re carefully selected using our years of industry analysis, so we can offer you solutions that’ll work for you now and in the future. Other firms claim to offer the best advice, but we’ve got the maturity to back it up.
We’re proud to have helped a huge number of clients from a wide range of backgrounds, situations and incomes find the products that give them the support and peace of mind they need. You can get to know some of them here.
If you’ve tried other advisors in the past and haven’t been impressed, don’t be afraid to get in touch with us. Whatever you need, we can take your previous experience into account and deliver a service we know will impress you.
If you’ve been looking for a mortgage or insurance product, chances are you’ve thought about speaking to an advisor first. It’s a smart move – most advisors are very experienced and can offer you practical advice. But you may have struggled to find an advisor that truly understands what you’re going through if you’re in a delicate position or have a varied financial history.
You may have even struggled to speak to an advisor in the first place – never a good sign. But the team at CP Mortgages & Protection is here to set the record straight and give you the advice and products you need, when you need them, so you can finally move forward with your plans. No messing around, just no-nonsense solutions you can put into action.
You may already have a preferred lender in mind – perhaps someone you’ve dealt with previously – that’s no problem at all. We work with all major lenders to give you the best products they have to offer, from brand names you know and trust.
Got something on your mind? Maybe some of the below questions and answers can help…
The exact figure depends on a few variables. For example, the price of the property you’re looking to buy and the lenders you’re speaking with. As a rule of thumb, you’ll need a minimum of a 5% deposit to put against the value of a house, meaning if the house you’re looking at is £200,000, you’ll need at least £10,000. However, not all lenders offer 5% deposits and other options are available including some specialist Zero Deposit options. Speak with CP Mortgages & Protection if you’d like some advice on deposits.
Lenders will take your financial situation, employment status and household income into account to figure this out, and every lender is different, but you can get a better idea by speaking with us directly
Typically, mortgage brokers will charge lenders a 0.4% commission fee, but this isn’t always set in stone and is dependant on the application criteria. You can speak with us if you’d like to learn more about the charges surrounding mortgage brokers.
We have helped many clients who have previously had minor or severe adverse credit in the past and currently. This is definitely something we can have a look at. We will assess your overall circumstances and choose the right deal for you going forward. If you have any queries speak to one of our advisers today.
On average, a mortgage application takes anywhere between 2 to 6 weeks, though in exceptionally rare cases it can occur in as little as 24 hours. This is the time taken for the mortgage lender to complete all the important checks on their side, so they can put the mortgage through.
This depends entirely on your personal circumstances – if you’d like some assistance in remortgaging, speak with one of our advisers at CP Mortgages & Protection today. We’d be happy to help!
Releasing equity from your home is a very intricate and time-consuming process that always comes with its share of fees. It’s not for everyone, but if you’ve decided equity release is the route for you, speak to CP Mortgages & Protection today.
