Services

Mortgage Service

Brian Hinchliffe Financial Services is an appointed representative of First Complete Ltd, one of the largest mortgage networks in the UK and authorised and regulated by the Financial Services Authority.

We work for you, meaning we work on your behalf, not a financial institution. We aim to save you time as well as money by liaising with the lender on your behalf and assisting you with the necessary paperwork. Brian Hinchliffe Financial Services receive high levels of service and commitment from the lenders and through First Complete Ltd may have access to exclusive rates and deals not found on the internet or high street.

Brian Hinchliffe Financial Services can help you buy your first home, a new home or remortgage your existing home. In addition, should you have a need for any of the following products or services, we can refer to preferred providers for Commercial Mortgages* , Overseas Mortgages* , Bridging Finance*, Secured Loans*, Conveyancing*, Wills* and Debt Management*.

Please note that neither Brian Hinchliffe Financial Services nor First Complete accept responsibility for the advice provided by these suppliers.

* These products and services are generally not regulated by the Financial Services Authority.

Mortgages

Finding the right mortgage can be a daunting task. Our aim is to make the process as painless as possible for you! We offer a range of products from the whole of market, which helps us to find the most suitable deal for your circumstances.

We don’t normally charge a broker fee, You can pay for our services by fee only.  In these circumstances, a typical fee is 2% of the loan payable on completion. We would then pay to you the fee we receive from the lender.  Alternatively, you can choose to pay no fee and we will retain the fee received from the lender. 

Here are a few of the products we can offer you:

• First Time Buyers - we could find the right deal to help you get on the property ladder.
• Purchases - we can help you find a mortgage for your new home.
• Remortgages - whether you want a new deal or are raising capital we could help.
• Buy to Let - find the right deal to secure your investment. *
• Larger Loans - we could find you a great deal on your larger loan amount.

* Buy to Let

The lender will base their decision when deciding whether to lend on the rental income that the property will produce, However generally there will also be a minimum salary requirement too.
We specialise in finding the suitable Buy-To-Let mortgages available, have a good local knowledge of the local investment property market and are pleased to assist with non-standard questions if this is your first Buy-To-Let investment property.

In general Buy to Let mortgages are not regulated by the Financial Services Authority.

Brian Hinchliffe Financial Services is an appointed representative of First Complete Ltd, which is authorised and regulated by the Financial Services Authority.

Mortgage Protection

We all need to be protected. What would happen if a sudden illness, disability, job loss or death occurred? We can help provide you with the peace of mind that comes with knowing you are protected if something should happen. For life & critical illness cover our panel of providers comprises Bright Grey, Friends Provident, Legal & General, Aviva, Scottish Provident & BUPA.

We offer the following types of protection:

Mortgage Payment Protection Insurance - also known as Accident, Sickness and Unemployment Insurance, covers your monthly mortgage payments and certain related costs for a specified period of time if you are suddenly unable to work due to an accident, sickness or involuntary unemployment.

Life Cover - This comes in two forms: Level Term Assurance or Decreasing Term Assurance. Level Term Assurance will give you the same amount of cover throughout the life of the policy and pay out that amount if you make a claim. Decreasing Term Assurance will decrease over the term, usually to match your decreasing mortgage amount, and pay out the current amount when a claim is made.

Critical Illness Cover - For life & critical illness cover our panel of providers comprises Bright Grey, Friends Provident, Legal & General, Aviva, Scottish Provident & BUPA.