Business Details
14 Years
experience
Your Trusted Mortgage Advisor in Barnstaple
Established in North Devon, we are a local firm of independent mortgage brokers with over 40 years of combined experience in the mortgage market. Our team of experts provides impartial advice tailored to individual needs, offering access to the entire mortgage market without ties to any banks or building societies. We specialise in mortgage advice, remortgaging, buy-to-let mortgages, and equity release solutions, ensuring clients secure the most suitable deals. Our services extend to commercial loans, bridging loans, secured loans, and insurance products, including income protection and critical illness cover. We prioritise transparency, with clear communication about risks such as repossession if repayments are not maintained.Our team maintains a deep understanding of local market needs, supported by daily research into emerging mortgage deals. We are authorised and regulated by the Financial Conduct Authority, ensuring compliance with rigorous industry standards. Client satisfaction is central to our approach, reflected in our commitment to seamless service delivery and ongoing support. With offices in Barnstaple, we serve clients across North Devon, Bideford, Braunton, and surrounding areas. Our expertise spans first-time homebuyers, property investors, and those seeking financial security in retirement. We utilise advanced tools like mortgage calculators to empower informed decision-making while maintaining a personal, approachable service ethos.
Services
Mortgage Advice
Buy to Let Mortgages
Remortgage Advice
Equity Release
Commercial Loans
Bridging Loans
Secured Loans
Insurance Cover
Income Protection
Help to Buy Scheme
Details
- Year established: 2012
Highlights and features
- We offer 40+ years of combined mortgage market expertise in North Devon
- Our independent status ensures access to the whole mortgage market
- We provide tailored financial solutions for first-time buyers and investors
- Our team holds FCA-authorised and regulated professional credentials
- We combine local market knowledge with daily mortgage deal research
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Advice
We provide independent mortgage advice tailored to individual circumstances, covering first-time purchases, buy-to-let investments, and remortgaging. Our FCA-regulated advisors help clients navigate the entire mortgage market to find competitive rates. With local expertise in North Devon's property market, we ensure transparent guidance while explaining risks associated with missed repayments.
Equity Release
Our equity release solutions enable homeowners aged 55+ to access funds tied in property without selling. We explain lifetime mortgage options and their implications, ensuring clients understand long-term financial impacts. The service includes assessing eligibility criteria and comparing plans from multiple providers to find suitable options for retirement planning.
Commercial Loans
We arrange commercial loans for diverse businesses including hotels, care homes, and retail premises across North Devon. Our advisors assess funding requirements and match clients with appropriate financing solutions. The service covers application processes, eligibility criteria explanation, and repayment structure analysis to support sustainable business growth through secured lending options.
Income Protection
Our income protection policies safeguard against financial hardship from accident, sickness, or unemployment. We help clients determine appropriate coverage levels and policy terms, explaining exclusions and claim processes. The service includes comparing providers to find policies that maintain living standards when statutory sick pay proves insufficient for ongoing mortgage commitments.
Bridging Loans
We facilitate bridging loans secured against residential or commercial properties, with funds available within 7-10 working days. Our advisors explain interest structures, repayment timelines, and associated risks. The service caters to urgent property purchases or development projects, providing flexible financing solutions while ensuring clients understand potential repossession risks.
People
Ian Palfreeman
Financial / Mortgage Advisor
With over 30 years in financial services since 1991, Ian established himself as an Independent Financial Advisor in Barnstaple after leaving Lloyds Bank. He specialises in mortgage solutions while maintaining high service standards. Ian combines professional expertise with local knowledge of North Devon's property market.
Jason Morgan
Financial and Office Manager
Jason brings extensive banking experience from Natwest, where he progressed from Cashier to Bank Manager. Since joining in 2013, he ensures smooth operational processes while applying mortgage industry knowledge to enhance client experiences through efficient service delivery.
Tony Griffin
Mortgage Advisor
A fully qualified mortgage advisor since 2023, Tony specialises in helping clients find suitable mortgage solutions. With prior administrative experience in local firms, he combines technical knowledge with approachable service delivery. Tony focuses on making the mortgage process clear and straightforward for all clients.
Questions
What mortgage options are available for first-time buyers?
We offer Help to Buy schemes requiring 5% deposits, with access to competitive rates across the mortgage market tailored to individual circumstances.
Can I get mortgage advice if I'm self-employed?
Yes, our advisors specialise in helping self-employed clients demonstrate affordability and secure suitable mortgage deals through appropriate lenders.
How quickly can bridging loans be arranged?
Bridging loans typically complete within 7-10 working days, with funds transferred directly to your bank account upon approval.
Do you offer commercial mortgages for business premises?
Yes, we arrange commercial loans for various property types including shops, pubs, and care homes across North Devon.
What insurance products do you recommend with mortgages?
We advise on income protection, critical illness cover, and ASU policies to safeguard mortgage payments during unexpected life events.
Are your mortgage rates different from high street banks?
As independent brokers, we access exclusive deals not available directly through banks, ensuring competitive rates tailored to your situation.
Reviews (2)
Katrina Stevenson
Jul 25, 2020
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Just went for some advice for first time buyers and they were extremely helpful! Gave us so much help and a sense of direction with the whole mortgage stuff! Best of all is it was all free! As much help as you need and only charge a small fee of 295 when you get a mortgage! Highly recommend!
Will Hunt
Oct 05, 2019
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Very helpful with organising and arranging my mortgage for a new build purchase, helped me find a lender offering me 30% more than the lender I had found myself. Well worth it!!
