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Croydon Mortgage Brokers

	Bespoke Financial Solutions
	Forum Wealth Management Ltd
	Individual Mortgage Solutions (I M S)
	Sigma Asset Management Ltd
	Mortgage Savers South
	Making Mortgages Simple
	Surrey Financial Consultants Commercial
	Ridgeway Mortgage Solutions
	J K Mortgages

Mortgage Broker in Caterham

Bespoke Financial Solutions

Financial Services tailored to your individual circumstances

Company: Bespoke Financial Solutions
Address: 4 Avondale House, 264 Croydon Road, Caterham, Surrey, CR3 6QJ
Category: Caterham Mortgage Brokers
Telephone: 01883 346 867
Fax: 01883 341 518
E-mail: steve@bespoke-financial.co.uk
Visit our Web Site: www.bespoke-financial.co.uk
Contact: Steven Padmore

Independent mortgage & general insurance consultants
We specialise in providing impartial advice on residential and commercial mortgages, including buy-to-let, for both purchases and remortgages. Furthermore we provide advice on arranging any relevant general insurance products including life assurance, critical illness, permanent health insurance, mortgage payment protection and household insurance.

How we work

We operate as independent advisers meaning we are free to advise on financial products available from all product providers. We use advanced computer software to research, compare and select the most suitable deals currently available and are thus able to make arrangements to maximize the benefits to our clients.
You�ll get our assistance to review your new or existing mortgage and general insurance requirements thereby allowing us to provide a realistic assessment of your likely needs. For this, you�ll need to set aside some time to talk to us - the first one-hour consultation is free. There�s no charge and no obligation for this initial advice.
Depending on your instructions we will source a mortgage/ re-mortgage for you and advise on any related general insurance needs.
You will receive professional advice about whether your existing financial arrangements are the most competitive options available within the market and, most importantly, are still suitable to your present circumstances.
You�ll also have our guidance in deciding how much you can realistically afford and the most appropriate options based on your own individual circumstances, all of which will be sensibly balanced in relation to your current income and your future prospects.
All our recommendations will be fully explained detailing all costs involved so you�ll be able to make an informed decision prior to committing to anything.

How we are paid
On receiving an enquiry we will discuss with you (over the phone if you prefer), whether we are able to assist with meeting your needs and objectives. We will also discuss how we would be paid for our services should we be instructed to proceed. There is no charge for this preliminary conversation and no obligation on either side.

After the initial free consultation, we will agree with you whether you pay us a fee or are paid out of the cost of any financial product you buy (commission). We will always tell you about any commission we earn and it will be taken into account in working out our fee.

Commission is paid to an advising firm by the provider, ie the lender or the insurance company, for the successful placing of business. The commission is included within the provider�s normal product charges so there is nothing you need to pay us in addition. The amount of commission is based on a percentage of the premiums payable or loans agreed.

Fees will usually be based on time spent and evaluated at a rate per hour calculated to recover our costs. We will always tell you about any commission we earn and it will be taken into account in working out our fee.

If you ask us to arrange a mortgage for you we normally make no charge as we are paid a fee by the lender. However if you prefer us to provide our services on a fee charged basis we would normally charge up to 0.5% of the loan amount.

Whether we take our remuneration by way of commission or fees will be a matter of discussion and agreement and no charges for fees will be made without prior notification in writing.

Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Services Authority does not regulate loans or all forms of Mortgage.

Bespoke Financial Solutions is a trading name of Ashmore Financial Solutions which is authorised and regulated by The Financial Services Authority (www.fsa.gov.uk/register).

FSA Registration No: 302661

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