Business Details
18 Years
experience
Expert Mortgage & Financial Services in Baildon
Altogether Financial Solutions is a family-run business established in 2008, renowned locally for its outstanding service and commitment to prioritising clients in mortgages, life cover, and general insurance. Our team of fully qualified mortgage professionals, holding CeMap certifications, provides tailored financial solutions while maintaining client confidentiality. We operate from Baildon, West Yorkshire, offering home visits at convenient times to ensure accessibility and flexibility. With over 14 years of experience, we have built a reputation for delivering professional, trustworthy, and reliable services, supported by client referrals and word-of-mouth recommendations. Our success stems from proactive, sensible advice delivered in clear terms, focusing on making finances work for clients in a changing economic landscape.We specialise in residential and buy-to-let mortgages, equity release, income protection, and business protection, with services extended through trusted associates. Our fees are transparent, with a standard remortgage fee of 595 and purchase fee of 595 (split into upfront and completion payments). We prioritise client relationships, ensuring prompt, helpful responses across all communication channels while adhering to strict confidentiality standards. Our dedication to community involvement is reflected in initiatives like donating to Jacquis Million Campaign through referrals. As an Appointed Representative of PRIMIS Mortgage Network, regulated by the Financial Conduct Authority, we uphold high standards of professionalism and compliance.
Services
Mortgages
Insurance Solutions
Bridging Loans
Equity Release
Business Protection
Details
- Year established: 2008
Highlights and features
- We are a family-run business with 14+ years of local expertise in mortgages and insurance.
- Our fully qualified CeMap-certified advisors offer tailored financial solutions.
- We provide home visits at times convenient for your schedule.
- Transparent fee structure with competitive pricing on mortgages and insurance.
- Community-focused, supporting local initiatives like Jacquis Million Campaign.
Associations and certifications
- Financial Conduct Authority (FCA)
- PRIMIS Mortgage Network
What people say
Outstanding service
Knowledgeable team
Tailored solutions
Prompt responses
Community-focused
Services
Mortgages
We offer residential and buy-to-let mortgage solutions tailored to individual needs. Our CeMap-certified advisors provide expert guidance on purchases, remortgages, equity release, and let-to-buy schemes. With access to a wide range of lenders, we ensure competitive rates and transparent fee structures, including a standard 595 remortgage fee.
Insurance Solutions
Our insurance services include building and contents coverage, income protection, medical insurance, and life/critical illness cover. We assess individual circumstances to recommend policies that safeguard assets and provide financial security, ensuring clients receive comprehensive protection aligned with their personal or business needs.
Bridging Loans
Bridging loans provide rapid access to funds for property purchases, auctions, or portfolio expansion. We offer transparent pricing with no exit fees after the first month. These loans suit landlords, investors, or homeowners needing short-term financing for refurbishments or urgent transactions, with tailored advice to ensure suitability.
Equity Release
Equity release allows homeowners to unlock funds tied to their property without selling. We provide impartial advice on lifetime mortgages and home reversion plans, ensuring clients understand the implications and benefits. Our approach prioritises long-term financial security while maintaining flexibility for changing circumstances.
Business Protection
We facilitate business protection solutions through associates, including key person insurance, shareholder protection, and loan repayment policies. These safeguards ensure financial stability in the event of critical illness, death, or loss of key personnel. Our referrals help businesses mitigate risks and maintain continuity during unforeseen disruptions.
Questions
What mortgage services do you offer?
We provide residential mortgages, buy-to-let, remortgaging, equity release, and let-to-buy solutions tailored to individual circumstances.
Are your advisors qualified?
Yes, all our mortgage advisors hold CeMap certifications and offer expert, regulated financial advice.
Do you charge fees for mortgage advice?
Yes, our remortgage advice fee is £595 (payable on completion), and purchase advice is £595 (split into £250 upfront and £345 on completion).
Can you assist with business protection?
We refer clients to associates for business protection services, including key person insurance and shareholder protection policies.
What areas do you serve?
We primarily serve Baildon, West Yorkshire, and surrounding regions with home visits available.
Are bridging loans regulated?
Some aspects of bridging loans are not regulated by the Financial Conduct Authority; professional advice is recommended.
