Mortgage advice

Navigating the mortgage landscape can be challenging, especially with so many options available. At Hicroft Financial Services Ltd, I offer expert mortgage advice tailored to your specific circumstances. Whether you are a first-time buyer or looking to remortgage, I will help you understand the various mortgage products available, guiding you to make the best decision for your financial future. My approach is client-focused, ensuring you feel supported and informed throughout the process. With my extensive knowledge of the industry and current market conditions, you'll be equipped with the information you need to confidently secure your mortgage.

Debt consolidation loans

Debt consolidation mortgages involve leveraging your home's equity to pay off high-interest unsecured debts (credit cards, loans) by securing them against your property, usually through a remortgage or further advance. This approach simplifies finances into one monthly payment, often at a lower interest rate than unsecured debts, but extends repayment over a longer term, meaning more interest may be paid overall.

Home Buildings & Contents

Buildings Insurance protects the physical structure of the property – the walls, roof, floors, fitted kitchen, bathroom, and permanent fixtures.

Mortgage lenders usually require this cover as a condition of the loan, because it safeguards the asset they are lending against.

Common risks covered include:

• Fire and smoke damage

• Flooding and storm damage

• Subsidence

• Burst pipes

• Vandalism

If the worst happens, buildings insurance covers the cost of repairs or even a full rebuild.

Contents Insurance protects your clients’ personal belongings inside the home – furniture, electronics, clothing, jewellery, and valuables.

Think of it as everything that could be removed if the house were turned upside down.

It typically includes protection against:

• Theft

• Accidental damage

• Fire, flood, and other insured events

While not mandatory for a mortgage, it provides peace of mind and financial security for clients and their families.

Adverse Credit

Buying a property will likely be the biggest financial commitments in your life. But if you have a history of bad credit, have recently fallen behind on payments, or have a low credit score due to having no credit history at all, you might think that a bad credit mortgage is out of reach. We promise you that a mortgage is still very much possible, we have helped so many people buy their dream homes.

At Hicroft Financial Services we work with all the specialist lenders who offer mortgages for those with a challenging history of bad credit, or with lenders that do not credit score. We have helped secure mortgages where a borrower has had a score as low as zero.

With many years of experience focusing within this niche area of the mortgage industry we are well-placed to match your circumstances with the right lender. And on top of that we understand the lenders and more importantly the correct way to present your application to the lender to deliver you a successful application.

Remortgage

Remortgaging can provide numerous benefits, from reducing your monthly payments to accessing equity in your home. At Hicroft Financial Services Ltd, I offer tailored advice on remortgaging options that align with your financial goals. Whether you're looking to switch lenders for a better rate or release funds for home improvements, I am here to guide you through the complexities of the remortgaging process. My goal is to ensure you make well-informed decisions that benefit your financial future.

First time buyer

As a first-time buyer, stepping into the property market can feel daunting. Fortunately, at Hicroft Financial Services Ltd, I am here to provide support every step of the way. I offer tailored advice that helps first-time buyers understand the mortgage process, including eligibility, loan options, and government schemes that may be available to you. With my guidance, you can approach your journey with confidence, knowing you have an experienced mortgage advisor by your side.

Home mover

Moving home can be both exciting and stressful, particularly when it comes to securing a mortgage for your new property. At Hicroft Financial Services Ltd, I understand the unique challenges home movers face. I am dedicated to providing tailored mortgage advice, helping you navigate the complexities of selling your current home and purchasing a new one. My goal is to ensure a smooth transition by offering support, insights, and access to a range of mortgage products that best suit your needs.

Financial protection

Financial protection is crucial for safeguarding your home and loved ones. At Hicroft Financial Services Ltd, I can help you with various financial protection options, including life insurance, critical illness cover and income protection. I will explain the importance of each product, ensuring you understand how they can protect your mortgage and offer peace of mind during uncertain times. My objective is to help you secure financial stability, enabling you to focus on what matters most to you.

Polish speaking mortgage advice

At Hicroft Financial Services Ltd, I recognise the importance of clear communication, especially for Polish-speaking clients. I offer mortgage advice in Polish to ensure that you fully understand the options available to you. My bilingual services aim to bridge the gap, making it easier for you to navigate the mortgage process. Whether you're buying your first home or seeking financial advice, I am committed to offering the support you need in a language you're comfortable with.

W Hicroft Financial Services Ltd rozumiem, jak ważna jest jasna i przejrzysta komunikacja, szczególnie dla klientów posługujących się językiem polskim. Oferuję doradztwo hipoteczne w języku polskim, abyś mógł w pełni zrozumieć dostępne dla Ciebie możliwości. Moje dwujęzyczne usługi mają na celu ułatwienie całego procesu, dzięki czemu łatwiej odnajdziesz się w świecie kredytów hipotecznych. Niezależnie od tego, czy kupujesz swój pierwszy dom, czy szukasz porady finansowej, jestem gotowy zapewnić Ci wsparcie w języku, w którym czujesz się komfortowo.

Self employed clients

Navigating the mortgage market can be particularly challenging for self-employed individuals. At Hicroft Financial Services Ltd, I provide specialised advice tailored for self-employed clients. I will help you understand the mortgage options available to you, taking into account your unique financial circumstances. With my expertise, I will guide you through the documentation process and ensure you present a strong application to potential lenders. My aim is to help you secure your mortgage and achieve your home ownership goals.