1
Talk or complete the questionnaire
A phone call if you want guidance first, or our online fact-find in about 15 minutes. The questionnaire itself does not involve a credit check.
Personal mortgage and protection advice from a Manchester-based adviser.
One adviser throughout, recommending from a comprehensive panel of High Street and specialist lenders – with fees agreed in writing before you proceed.
0161 491 3853
Call now – no obligation.
Or complete the questionnaire
Our fact-find · about 15 minutes.
What we do
Whatever the move, we explain the realistic options – and the trade-offs – in plain English.
First home, remortgage, buy-to-let, complex income or protection – pick the route that matches your situation.
First-time buyers
Deposits, agreement in principle, surveys, completion – walked through end-to-end without the jargon.
Explore →Remortgage & product transfer
When your fix ends, we compare lenders across our panel – and your existing lender – so you can see the realistic options before a default rate kicks in.
Explore →Buy-to-let & portfolio
Personal & SPV BTL, holiday lets, portfolio stress tests and refinancing across multiple properties.
Explore →Self-employed & complex income
Accounts, SA302s, retained profits, day-rate contracts – matched to lenders that actually lend on them.
Explore →Home movers & new builds
Porting, simultaneous sale & purchase, builder incentives and shared ownership.
Explore →Adverse credit & specialist
Credit history bumps, unusual properties, expat and foreign-national cases – we work with specialist lenders when the high street can't help.
Explore →Protection & insurance
Life, income protection, critical illness, buildings & contents – sized properly to what you'd actually need.
Explore →
The team
Meet your advisers
Steve and Claire Baldwin – based in Manchester, working with clients nationwide. Clear advice from first call through application.
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Steve Baldwin · CeMAP -
Claire Baldwin · CeMAP
How we work
Three clear steps.
Call us for a short conversation, or complete the questionnaire when you are ready. We aim to respond within one working day once we have what we need.
2
We research
Affordability checks, criteria matching and a comparison across High Street and specialist lenders – including specialists that are not always available to approach direct.
3
A written recommendation
You get a personal recommendation, clear costs, and support through the application. Lenders make the lending decision; solicitors handle the legal work.
Questions
Useful answers before you start.
How much do you charge?
£195 for a product transfer; £750 for all other mortgage applications – agreed with you in writing before we proceed. There is no fee for protection advice. We may also receive a procuration fee from the lender we recommend, declared to you in writing.
Do I have to complete the full questionnaire?
No. Call us if you would rather talk first. The online fact-find is there when you are ready to share the detail – about 15 minutes. Completing the questionnaire itself does not involve a credit check; lenders may carry out credit checks later if you proceed to an agreement in principle or application.
How quickly can I get an agreement in principle?
We aim to respond within one working day once we have what we need. Timing for an agreement in principle then depends on your circumstances and the lender.
Which lenders can you access?
We work from a comprehensive panel of High Street and specialist lenders. We do not claim access to every lender or every product on the market.
Word of mouth
Google reviews
Ready when you are
Let's get you moving.
Talk to an adviser now, or complete the questionnaire in about 15 minutes. We aim to respond within one working day once we have what we need.
Mon–Fri 8:30 – 19:00
Sat 10:00 – 14:00
Eves & weekends by appointment