Keys to your dream home

Mortgage Advice

We offer an impartial, whole-of-market, mortgage advice service to our clients. Best of all, we do not charge a fee for this service as it is funded by the mortgage lenders. We provide research documents and justification for the recommended lender/product to you, so you can be sure you have received the best deal in the marketplace.

Our Process

1. Initial Consultation

This gives us an opportunity to get to know each other and establish our client-planner relationship

2. Factfind

We will agree goals, objectives, and gather all the relevant information required to make a recommendation and process your application.

3. Research

We will use the information collected in the factfind to research lenders, products and check criteria for eligibility.

4. Recommendation

We will present our recommendation to you. We will also go through the Illustrations, terms and any restrictions which may apply, so you can make an informed choice on whether to accept the recommendation(s).

5. Application / Processing

If you are happy to proceed with our recommendation, we will complete the application form and gather the relevant documents required to process the application on your behalf.

6. Offer

When the Offer is issued, a copy will be forwarded to you. We will check the Offer for accuracy and if necessary liaise will your Solicitor.
At this stage, the finances are in place and ready to be release once conveyancing checks have been completed by your solicitor

7. Review

When your transaction has completed, we will diarise a review for a few months before your deal is due to expire, so your mortgage does not revert to the lenders standard variable rate (SVR) without your knowledge.

Our areas of expertise

First time buyers
Remortgages
Homemovers
Product Transfers
Buy to Let
Self-employed
Partnerships
Contractors

Think carefully before securing debts against your home.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Please note that some mortgages such as commercial BTLs are not regulated by the FCA.

Tensor Financial Planning is a trading style of Apex Mortgage Advice Limited (FCA Register number 589093) which is an appointed representative of Julian Harris Financial Consultants, authorised and regulated by the Financial Conduct Authority No. 153566.

Apex Mortgage Advice Limited is registered with Companies House, Registered in Scotland, Registration Number SC426456. Registered Office: WestPoint, Office 217, 4 Redheughs Rigg, Edinburgh, EH12 9DQ.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Please note that some mortgages such as commercial BTLs are not regulated by the FCA.

The performance of your investments is subject to risk(s). Its performance may fluctuate based on movements in the market and economic condition(s). Capital at risk. Currency movements may also affect the value of investments. You may get back less than you originally invested. Past performance is not a reliable indicator of the future performance.

Tax treatment is based on an individual’s unique circumstances.

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