One of the most important things you can ever do is making sure you have the right levels of personal protection. While many people focus on what happens when they die and making sure their family is protected (and we agree!), there are many other areas to consider as well. What happens if you get a critical illness? What happens if you’re off work with stress for 2 years, or have an accident and can never return to work? Hopefully this never happens to you. The good news is our specialist protection team will be able to walk you through the options and advise you on the most suitable protection options for your budget.
First Time Buyers
Taking your first step onto the property ladder is an exciting time – but with so much to think about, it can be a little daunting. We believe everyone has the right to free mortgage advice, and as a local first time buyer specialist, we’re better placed than anyone to walk you through the process of buying your first home.
We will provide you with a dedicated mortgage advisor who will be with you at every step of the journey. They will calculate exactly how much you can borrow, how much everything will cost, and walk you through the entire purchasing process from start to finish. We also do all the paperwork – no heavy lifting for you!
We offer a flexible service that gives you the power to choose how and when you want to deal with us. Whether that’s online, over the phone, or in branch over a hot cup of coffee – we’re here to help, whenever you need us.
We have access to exclusive First Time Buyer Mortgages to help make buying your new home a more affordable reality. You have piece of mind that we will do our best to find the best mortgage for you.
Whether you are upgrading to a fancy new flat, or downsizing to a cosy little cottage, moving home can be a busy and stressful time. With everything that’s going on, there’s one thing you don’t want to be worrying about – your mortgage.
At HRFS, our experienced advisors are available to help walk you through the process of moving your mortgage to a new property. Whether you’re simply porting your current mortgage across, switching lenders after a change in circumstances, or applying for a new mortgage to cover the new property’s value, you can relax knowing that you’re in capable hands with our award winning service.
We’ve helped thousands of valued clients from all over the UK to move home quickly and easily using impartial mortgage advice. Your HRFS advisor will take note of your current circumstances, and help find the most suitable course of action for you to take. We walk you through every step of the way, handling all the paperwork and communications on your behalf.
HELP TO BUY
Saving for a large deposit can be a long and tiresome journey, and sometimes, may even seem impossible.
Thanks to the government’s Help to Buy scheme however, you can now buy a home with as little as a 5% deposit and have lower mortgage repayments than you would with a standard mortgage arrangement.
Available throughout the UK, the scheme allows you to take out an equity loan of 15% of the property value from the government. This, combined with your 5% deposit, means that you’ll only need an 80% mortgage on your home.
Available throughout the UK, the scheme allows you to take out an equity loan of up to 20% (up to 40% in London) of the property value and/or purchase price from the Government. This, combined with your 5% deposit, means that you will only need a 75% mortgage on your home (60% in London).
There are slight differences in how the scheme works in Scotland and England, and a couple of variants of the scheme as well, and your mortgage advisor will be more than happy to go over the finer points of these to make sure you’re comfortable with your options.
When it comes to the Help to Buy scheme, we’ll not only guarantee that you get the very best mortgage deal available to you, but we’ll walk you through the entire application, deal with the paperwork, and liaise with lenders, builders, and solicitors for you.
There’s a lot to love about new build homes - that new paint smell, those modern amenities, and sleek, stylish designs that put you at the forefront of the housing market.
Not only that, but there are many incentives on offer for new build properties, including the government Help to Buy scheme, part exchange, and various shared equity schemes that can help you buy a bigger home than you might not have thought possible. We also offer 95% mortgage options, to make it that little bit easier to get on the property ladder.
Combine that with our new build mortgage advice – which guarantees the very best mortgage deal available to you, there’s no better place to turn to for your home buying needs.
What’s more, we’ll liaise with surveyors, solicitors and estate agents on your behalf, and even complete all the paperwork for you, to ensure your home purchase goes smoothly from start to finish.
As an experienced property owner, you understand the importance of getting a good rate on your mortgage. Small differences in rates can have a big impact on your repayments, so it’s crucial to get impartial advice you can trust when looking for a remortgage deal.
Each and every HRFS client is provided with their very own specialist advisor. Not only are they fully qualified and experienced in all aspects of remortgaging, but they also have a vested interest in making sure you walk away satisfied – our business relies on it!
Our advisors have access to thousands of mortgage products from hundreds of lenders, and unlike online comparison sites, our advisors tailor your remortgage to fit your personal circumstances – there is no such thing as a “one size fits all” approach.
Buy To Let
Whether you are looking to complete your first Buy-To-Let purchase, or already maintain a sizeable portfolio of properties, we know every penny counts when it comes to making a profit. At HRFS, not only do we search 10,000+ products to find you the best Buy to Let mortgage deal for your circumstances, but we will continue to service your portfolio to ensure you are always on the best deal and have secured the best rate.
We’ll provide you with your very own Buy To Let mortgage advisor, fully qualified and experienced in the Buy To Let industry and everything that entails. Whether you need someone to help decipher complicated jargon, or need a professional to push through a time-sensitive application, we can help.
Your advisor will find your “Best in Market” mortgage from thousands of mortgage products from hundreds of lenders. Then, we handle all the paperwork, as well as liaising with solicitors, lenders and surveyors throughout the process, to ensure a smoothly handled transaction from start to finish.
As an industry leader, our Buy To Let mortgage advice gives you access to exclusive rates and deals that you won’t find anywhere else, including the lowest deposit 80% LTV buy to let mortgages available on the market.
Development Finance/Self Build/ Renovation Finance
Our finance options can help support developers on a range of different projects, such as multi-unit residential properties, new builds, conversions or refurbishment schemes. We have highly experienced HRFS advisors on hand to ensure that your loan is tailored specifically to your plans. They can also help or advise on anything you might need along the way.
We can provide short-term funding if you need quick access to capital. This option can be perfect for short term lending, or when securing the acquisition is the priority. Our advisors are on hand to walk you through the process from start to finish.
When used cleverly and in the correct manner this can be key to building your portfolio swiftly. Be sure to speak to our advisor on how you can use bridging loan to affectively grow your wealth.