Fulford Mortgage Advisers

Business Details

Trusted Mortgage & Protection Advisers in York

Established over two decades ago, Fulford Mortgage Advisers has built a reputation as a trusted independent mortgage and protection advisory service in York. Our family-run business prioritises client relationships, offering impartial advice tailored to individual financial circumstances. With access to a comprehensive range of products from multiple providers, we specialise in delivering solutions that banks and single-provider institutions cannot match. Our process begins with a free, no-obligation consultation to understand client needs, followed by detailed analysis and transparent recommendations. We utilise advanced software to compare mortgage and protection products, ensuring clients receive optimal deals with clear cost breakdowns.

Our commitment to privacy and personalised service allows clients to focus on their priorities while we handle complex financial decisions. As an FCA-authorised firm, we adhere to rigorous regulatory standards, providing clients with confidence in our expertise and ethical practices. Our testimonials highlight our ability to simplify the mortgage process, reduce stress, and deliver exceptional customer support. We specialise in first-time buyer mortgages, remortgaging, equity release, and commercial mortgages, catering to diverse financial requirements. Our team's extensive experience and dedication to ongoing client relationships ensure long-term financial solutions that evolve with clients' changing needs.

Services

Mortgage Advisers Protection Advisers Equity Release Remortgaging First-Time Buyer Mortgages Commercial Mortgages

Highlights and features

We offer 20+ years of independent mortgage advisory experience
Our team provides access to products from multiple financial providers
Free initial one-hour consultation with no obligation
FCA-authorised firm ensuring regulatory compliance and client protection
Specialist knowledge in first-time buyer mortgages and equity release

Associations and certifications

Financial Conduct Authority

What people say

Seamless process Exceptional customer support Knowledgeable team Stress-free experience Tailored solutions

Website

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Services

Mortgage Advisers

We provide expert mortgage advisory services, helping clients navigate the complex financial market to find suitable mortgage solutions. Our independent status allows access to products from all major lenders, ensuring competitive rates tailored to individual circumstances. With over two decades of experience, we specialise in first-time buyer mortgages, remortgaging, and equity release schemes while maintaining strict regulatory compliance under FCA authorisation.

Protection Advisers

Our protection advisory service offers comprehensive coverage solutions including life insurance, critical illness cover, and income protection policies. We assess clients' specific needs to recommend appropriate protection products that complement their mortgage arrangements. Our independent approach ensures access to the full market, providing tailored solutions that banks cannot offer while maintaining FCA-regulated standards of service.

Equity Release

We specialise in equity release schemes designed for homeowners seeking to access property wealth while maintaining residency. Our advisors explain lifetime mortgages and home reversion plans clearly, ensuring clients understand long-term implications. We provide impartial advice on tax considerations and inheritance impacts, helping clients make informed decisions about their financial future.

Remortgaging

Our remortgaging service helps clients secure better rates or release equity from their properties. We analyse current mortgage arrangements, compare market options, and recommend optimal timing for switching. We handle the entire process from initial assessment to completion, ensuring clients understand all financial implications and benefit from competitive market rates.

First-Time Buyer Mortgages

We specialise in guiding first-time buyers through their initial property purchase journey. Our service includes explaining mortgage options, assessing affordability, and navigating government schemes like Help to Buy. We provide clear explanations of financial commitments and help clients build strong applications to secure their first home with appropriate mortgage terms.

Questions

What mortgage types do you advise on?

We provide expert advice on all mortgage types including fixed-rate, tracker, offset, interest-only, buy-to-let, and specialist mortgages for unique circumstances.

Are your services free?

Our initial one-hour consultation is completely free with no obligation, allowing us to assess your needs before proceeding with tailored recommendations.

How are you different from bank advisors?

As independent advisors, we have access to the entire market rather than being limited to our employer's products, ensuring truly impartial advice.

Do you help first-time buyers?

Yes, we specialise in guiding first-time buyers through the mortgage process, explaining options clearly and finding suitable deals for their circumstances.

How do you handle complaints?

We have a formal complaints procedure available upon request. Unresolved issues can be referred to the Financial Ombudsman Service for independent review.

Reviews (4)

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John Dey

Jan 02, 2021 Report

Martin & Susie will do everything they can to secure you the best mortgage and life insurance ! Nothing is too much trouble. Couldn't recommend them enough.

Mark Wright Markwright

Nov 22, 2020 Report

Martin & Susie have been fantastic throughout the whole process helping us secure a mortgage for our first home. I can imagine we weren't the easiest of clients, and myself having bad credit thought I was hopeless if I'm honest but you have worked some magic. You've been so patient with us, and now sitting here writing this in our new home I can't even put into words properly how grateful we are for your help. Thank you so much

Richard P.

Jul 20, 2018 Report

FMA made our first mortgage really simple and easy to understand. They were helpful every step of the way and went above and beyond what was required. 10/10 service. Big thank you to Susie & Martin

Simon Langley

Jun 23, 2018 Report

Cannot thank Martin and Susie enough for all their help sorting out our mortgage! Martins product knowledge and the way he makes everything so straight forward puts you at ease straightaway! Thank you!!