We offer a comprehensive service for all your mortgage requirements. Whether you are moving home or looking to remortgage your existing property we are here to help.
With more and more Banks and Building Societies closing their branches it is becoming increasingly difficult to arrange a meeting with a mortgage adviser. At Pembroke Grove Financial Service you can arrange an appointment with a fully qualified mortgage adviser. within 24 hours.
Additionally we have access to the whole of the UK market as opposed to Banks and Building Societies who can only offer their own mortgage products. In essence we will find the best mortgage product available to you.
The Mortgage Market Review (MMR) implemented in April 2014 introduced far more regulation with regards mortgages, especially in terms of affordability checks and lending criteria. At Pembroke Grove Financial Services, we fully understand lenders affordability calculations and lending criteria. Once we understand your own situation and requirements, we will be able to find the best lender and best possible product that your eligible for.
Lack of timely communication between relevant parties during the mortgage process generally causes problems and delays. Once appointed as your mortgage adviser we will communicate in a timely way and regularly update you.
With ever changing working patterns our clients tend have different communication requirements, so you need us to be totally flexible. We open between 9am and 6pm and you can choose to engage with us either face to face, by phone, email or video link. It is vitally important that we allow you to communicate with us in the way that is easiest for you.
As your mortgage adviser at Pembroke Grove Financial Services we will:-
- Arrange a free appointment by phone or Face to Face within 24 hours
- Find you the best possible mortgage to match your personal needs
- Calculate how much you can borrow with all lenders (they are all different)
- Let you know what your monthly payments will be
- Obtain a Decision In Principle within 24 hours
- Look for Cash Back offers & Free Valuations
- Fully analyse your credit file should the need arise
- A mortgage broker will manage the whole process until you get the keys to your new home
- Provide a quote for you to consider for building and contents insurances
- Provide a quote for you to consider for life and critical illness insurance.
£295.00 is payable on application, when applying for a full mortgage offer, after a decision in principle has been provided.
£695.00 payable when a full mortgage offer is issued.
If your circumstances are more complex, we may charge a higher fee. Our maximum fee is 1.5% of the loan value.
Read What Our
We had a great introduction from Spencer and Sener when we began the process of selling our property. Spencer got the property to market very quickly and professionally then was able to advise us through the offers. Spencer was incredibly helpful in successfully supporting the sale through a tremendously difficult period in the housing market. We really appreciated the communications and assistance through the sale process. Choosing S&S as our agents was a great decision and we would choose them again in a heartbeat if we have any property deals in the future.
Spencer and Sener was fantastic to deal with and would recommend!
Spencer dealt with the sale of my property, and although tricky at times continued to push through securing the sale, helping to chase where needed and was fully professional throughout.
Sener was really useful in obtaining my mortgage for the purchase of my next property with a simple process and was given advice throughout the when asked
I would recommend Spencer and Sener's property and estate agency services to anyone in the area! :)
Spencer and Sener were fantastic estate agents when I bought a house in Barnet this month. Spencer communicated frequently throughout and went above and beyond to accommodate all my needs. Aaron arranged viewings for me and was also helpful and patient. I can't rate them highly enough for professionalism, communication and efficiency. The whole process of buying the house was made easy and stress free for me. Amazing service.