Ulrich Savary Mortgage

Business Details

Your Trusted Mortgage Advisers in Altrincham

At Ulrich Savary Mortgage, we are dedicated to simplifying the mortgage process and empowering clients to make informed decisions with confidence. With over seven years of experience in the mortgage and protection industry, we provide straight-talking, high-quality advice tailored to individual needs. Our team works with a panel of lenders representing the entire market, ensuring clients receive the most affordable, competitive, and practical solutions. We pride ourselves on transparent communication, taking the time to explain options clearly and guide clients through every step of their journey. Whether you're a first-time buyer, remortgaging, or investing in buy-to-let properties, our personalized approach ensures you understand the risks and opportunities involved.

We also offer protection advice through a selected panel of UK insurers, safeguarding clients against life's uncertainties. Our commitment to regulatory compliance and market expertise ensures clients receive up-to-date, reliable guidance. We believe in building long-term relationships, supporting clients not only today but throughout their financial futures. Our mission is to transform the mortgage process into a seamless, rewarding experience, helping clients achieve their homeownership dreams. With languages including English, French, Hebrew, and Yiddish, we cater to a diverse clientele, combining professionalism with a personal touch.

Services

First-Time Buyer Mortgages Buy-to-Let Mortgages Remortgaging Protection Advice Limited Company Buy-to-Let Holiday-Let Mortgages

Highlights and features

We have 7+ years of experience in mortgage and protection advice.
Our team provides transparent, jargon-free explanations of mortgage options.
We work with a lender panel representing the entire market.
We offer protection advice from top UK insurers.
Our advisers are FCA-regulated and committed to compliance.

Associations and certifications

Financial Conduct Authority

What people say

Expert mortgage advice Transparent communication Successful client outcomes Personalised service Market-leading solutions

Website

Update Listing

Services

First-Time Buyer Mortgages

We specialise in guiding first-time buyers through the mortgage process, offering tailored solutions to secure affordable home loans. Our team explains deposit requirements, eligibility criteria, and government schemes. With access to a full market panel, we identify competitive rates suited to individual financial circumstances.

Buy-to-Let Mortgages

Our buy-to-let expertise covers standard, limited company, and holiday-let mortgages. We assess rental income potential, tax implications, and risk factors to recommend suitable investment strategies. Clients benefit from our knowledge of landlord insurance and regulatory requirements for property portfolios.

Remortgaging

We help homeowners reduce monthly payments or release equity by identifying optimal remortgaging opportunities. Our analysis includes early repayment charges, product fees, and long-term savings potential. We manage documentation to ensure seamless transitions between lenders.

Protection Advice

We provide life and critical illness cover recommendations through leading UK insurers. Our advice ensures clients protect against financial risks that could impact mortgage repayments. We explain policy terms, coverage limits, and claims processes to maintain financial security.

Limited Company Buy-to-Let

This service offers tax-efficient property investment structures through limited companies. We explain incorporation requirements, accounting considerations, and lender criteria specific to corporate buy-to-let mortgages. Clients receive guidance on balancing tax benefits with administrative responsibilities.

People

Gerard Savary

Owner & Mortgage Adviser

With over seven years in the mortgage industry, Gerard provides expert advice on residential and buy-to-let mortgages. He specialises in connecting clients with tailored solutions while maintaining a personal approach. Fluent in English and French, he focuses on long-term client relationships.

Ulrich Savary

Mortgage Adviser

Combining 25 years of finance experience with theological expertise, Ulrich offers holistic mortgage guidance. He prioritises client education throughout the home-buying process. His multilingual skills (English, Hebrew, Yiddish) support diverse client needs while maintaining regulatory compliance.

Questions

What mortgage options are available for first-time buyers?

We offer fixed-rate, variable-rate, and government-backed schemes like Help to Buy. Our advisers explain deposit requirements, eligibility criteria, and long-term affordability considerations.

How do buy-to-let mortgages differ from standard residential loans?

Buy-to-let mortgages require higher deposits (typically 25-40%) and assess rental income potential. We explain tax implications, landlord insurance requirements, and lender-specific criteria for investment properties.

Can I remortgage if I have early repayment charges?

Yes, we analyse whether savings from lower interest rates outweigh exit fees. Our comparison tools evaluate total costs over different mortgage terms to determine the best financial decision.

What protection products do you recommend with mortgages?

We advise on life insurance, critical illness cover, and income protection policies through leading UK insurers. These products safeguard mortgage repayments against unforeseen circumstances while complying with regulatory standards.

How does limited company buy-to-let work?

This structure involves purchasing property through a limited company to benefit from tax efficiencies. We explain corporation tax implications, accounting requirements, and lender criteria specific to corporate property investments.

What documentation is required for mortgage applications?

We guide clients through providing proof of income, bank statements, ID documents, and property details. Our team manages paperwork submission to lenders, ensuring compliance with anti-money laundering regulations.

Reviews (5)

Write a Review

Andy Sweeting

Nov 17, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Ulrich was great with what was a tricky remortgage, kept us updated and explained everything clearly and was really responsive. Highly recommended!

Rachel Wise

Oct 28, 2021 Report

I spoke to Ulrich recently about sorting out life insurance as I'm pregnant with my first child. He talked me through the various options for me and my partner and found us a plan that works. I was particularly grateful for his assistance finding critical illness cover, so despite a family history, I'm still covered in the event of breast or ovarian cancer. Would highly recommend

Tommy

Aug 04, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
I'm so glad that I have come to Ulrich for my mortgage. He has been so brilliant and very professional on his work, and also very patient to answer all the questions I had. I would highly recommend him and his advice is excellent !!

Laura Taylor

May 05, 2021 Report

If i could give Ulrich 10 stars i would. he has been absolutely fantastic through mine and my partners first time byers process. We couldn't of asked for a better Mortgage Advisor, whenever you need him for any questions you have hes always there. Thanks again Ulrich for helping me and jack getting our first home you have made it so easy for us!

Wei Wang

May 03, 2021 Report

Ulrich is very professional, experienced and friendly and quick to respond. I would definitely recommend.