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Finance Surgery specialise in finding the right deal for you on your next mortgage or loan. Get in touch to speak to a specialist advisor today.

Find a mortgage advisor you can trust - save today

Finance Surgery specialise in finding the right deal for you on your next mortgage or loan. Get in touch to speak to a specialist advisor today.

Find a mortgage advisor you can trust - save today

Find a mortgage advisor you can trust - save today

Whatever your individual requirements we have a team of experienced mortgage advisers that are on hand to help and support you.

Finance Surgery is here to help you gain a thorough understanding of the numerous options available to ‘you in particular’. You’d be right to imagine that the market is brimming with an abundance of hugely varying loans and options from a vast number of lenders. With a superb understanding of the marketplace, we’re able to analyse your specific circumstances and cross reference them with a number of optimum products.

We are happy to help and discuss your needs

We are great listeners who will never judge your situation

We provide sound advice and research

We will support and help you all the way

Products and Services

Self Employed Mortgages

Whether you are a limited company, sold trader or contractor, whatever your circumstances when you work for yourself we can find the right deal for you.

Buy to Let Mortgages

Looking for advice on your first buy to let? Are you looking to refinance an existing buy to let, or do you have a portfolio? Whatever your circumstances Finance Surgery will have a solution for you.

Remortgaging

Coming to the end of your current product, or simply sat on a variable rate? Finance Surgery will compare the products available with your current lender and then compare those whole of market.

Bridging Finance

If you need to raise finance at short notice, bridging finance can be an excellent option. Finance Surgery has access to specialist bespoke products.

First Time Buyers & Movers

At Finance Surgery we pride ourselves on taking the stress out of buying your first home or if you are moving house. Contact us for a hassle and stress free experience.

We guide you through the entire mortgage process…

At Finance Surgery we want all of our clients to not only feel totally confident in the advice they receive now, but more importantly for their future.

We are experts in all types of mortgages, protection and general insurance products. We have years of experience dealing with all types of scenarios and take great satisfaction in ensuring that our clients have the right products and solutions for them.

When the time comes to start looking for a mortgage, the amount of information out there can make it seem like an extremely daunting process. You may have some knowledge of mortgages, but not enough to make an informed decision – or you might not have a clue where to start.

At Finance Surgery, we aim to make the process as straightforward as possible for you, so you make the right decision to suit your own needs. We understand the complexity of mortgages and try to sift through the jargon to make it easier for first time buyers. Whether you have experience of mortgages or not, we are here to help.

Speak To a Finance Advisor Today

By completing this form you are giving consent to be contacted to discuss your mortgage/insurance needs. See Privacy Notice for details on how we hold/store data.

What is a mortgage?

If you want to own your home, you will probably need a mortgage. A mortgage is basically a loan to help you pay for your house. With the average cost of a home in the UK currently standing at over £200,000 (https://www.zoopla.co.uk/house-prices/uk/), very few can pay for it outright.

There are mortgages options available to suit most circumstances, including first time buyers, those who are re-mortgaging and people who are moving up the property ladder. In most cases, you will need to put down a deposit before you can obtain a mortgage.

Buying your home is essentially the biggest purchase you’ll ever make in your life – and the most important. Although you often end up paying much more back, it can make owning a home affordable.

Benefits of using a mortgage advisor…

A mortgage advisor is particularly important for first time buyers, but it is worthwhile seeing one, even if you have had a mortgage before. There are many different types of mortgages out there and an advisor will be able to help you understand which is right for you.

A mortgage is a huge financial commitment, so you need to be sure you make the right decision. It is always worthwhile seeking the guidance of a specialist who can advise on the different types of mortgages available to you, give advice on how much you can realistically afford to borrow and help you with your application. An independent mortgage advisor may be a good way to get the mortgage you want.

What to look for in your next mortgage…

It is important to understand exactly what you will be paying. A mortgage might have low rates, but high fees, so this is something to look out for. You should have a good understanding of how much you will be paying and how you will afford this, before you make any decisions. Consider the tie ins of the mortgage, as you never know whether your situation will change.

The last thing you want is to end up with extra fees you didn’t realise you were getting. You also need to know whether the rate is fixed or subject to change and which of these you feel most comfortable with. There may also be flexibility, where you can overpay or take mortgage breaks, and this can be valuable in the decision-making process.

It is important to understand all the facts about the mortgage, before you decide. This is where we can help. Contact us today so we can help to find the right mortgage for you.

© Copyright - Finance Surgery | Finance Surgery is a trading name of TCF Financial Planning Limited which is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (http://www.fca.org.uk/register) under reference: 574501 | Company number 07898583 | *Terms of Use | Privacy Policy | Initial Disclosure Document | We can advise/arrange Business Buy to Let (BBTL) and Consumer Buy to Lets (CBTL). Of the two, only Consumer Buy to Lets are regulated by the FCA. | * We can advise on a comprehensive range of mortgages from the market, but not deals that you can only obtain by going direct to a Lender | Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. | A fee of £250 will be payable on completion of the mortgage. We will also be paid commission from the lender| *By completing any contact form you are giving us your consent to contact you to discuss your mortgage/insurance needs. Please refer to our Privacy Notice for details on how we hold/store data.