Business Details
Independent Mortgage Advisers in Galashiels
Dewar & Partners is a trusted provider of independent financial solutions, specialising in mortgage advice, secured loans, life assurance, and home insurance. Our team combines deep industry expertise with a client-centric approach, offering tailored guidance to help individuals navigate complex financial decisions. We prioritise transparency, maintaining close collaboration with clients to ensure informed choices that align with their long-term goals. As an Appointed Representative of The Right Mortgage Ltd, authorised and regulated by the Financial Conduct Authority, we uphold rigorous professional standards.Our commitment to exceptional service is reflected in our access to exclusive market deals and our focus on delivering practical, cost-effective solutions. With a philosophy centred on integrity and sound advice, we aim to build lasting relationships grounded in trust and mutual understanding. Our services cater to diverse needs, from first-time buyers to those seeking to remortgage or consolidate debts, ensuring accessibility and flexibility. By staying attuned to evolving market dynamics, we position ourselves as forward-thinking advisors dedicated to enhancing client financial well-being.
Services
Mortgage Advice
Secured Loans
Life Assurance
Home Insurance
Financial Planning
Insurance Brokering
Loan Consolidation
Critical Illness Cover
Term Assurance
Property Insurance
Highlights and features
- We offer independent whole-of-market mortgage advice with access to exclusive deals.
- Our team provides free initial consultations with no obligation.
- We specialise in helping first-time buyers and remortgaging clients.
- Our advisers maintain close client collaboration throughout the process.
- We combine innovative approaches with proven financial expertise.
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Advice
We provide independent whole-of-market mortgage advice to help clients secure competitive rates and suitable terms. Our service covers first-time purchases, remortgaging, and buy-to-let properties. By accessing exclusive deals unavailable on the High Street, we tailor solutions to individual financial circumstances while explaining complex factors like LTV ratios and repayment penalties.
Secured Loans
Our secured loan service offers homeowners borrowing options from 10,000 to 500,000 with fixed or variable rates. We assist clients in consolidating debts, funding home improvements, or financing major purchases while explaining risks associated with property-secured lending. Our process includes assessing eligibility and guiding clients through application timelines typically completed within two weeks.
Life Assurance
We offer term assurance, decreasing term policies, and critical illness cover to protect families financially. Our advisers explain policy options, premium calculations, and coverage limits while helping clients determine appropriate protection levels. We clarify differences between terminal illness cover and critical illness benefits, ensuring clients understand policy terms and exclusions.
Home Insurance
Our home insurance service provides buildings and contents coverage comparisons with explanations of policy components. We advise on appropriate excess levels, accidental damage coverage, and joint policy benefits while addressing specific needs like rental property insurance. Our guidance helps clients avoid underinsurance and understand disclosure requirements for valid policies.
Financial Planning
We deliver comprehensive financial planning that integrates mortgage strategies, insurance protection, and long-term wealth management. Our approach considers clients' current financial commitments, future goals, and risk profiles. We provide clarity on credit score management, mortgage affordability calculations, and tax implications of property transactions.
Questions
How much deposit do I need for a mortgage?
Minimum deposits start at 5%, with better rates typically available at 15% or higher.
Can I remortgage to get a better interest rate?
Yes, we frequently help clients remortgage to secure more favourable terms.
What insurance do I need with a mortgage?
Building insurance is mandatory, with life insurance and mortgage payment protection recommended.
Can I get a secured loan with bad credit?
We consider applicants with adverse credit histories and offer tailored solutions.
How much life insurance do I need?
Coverage depends on individual circumstances, including mortgage amounts and dependants' needs.
Can I make overpayments on my mortgage?
Most lenders allow up to 10% annual overpayments without penalty charges.
