Finding the right mortgage can be a complex and time-consuming process with many options available from banks, building societies, and niche lenders. Whether you’re a first-time buyer, moving home, or looking to remortgage, we provide access to a comprehensive range of mortgages from across the marketplace. Our team is here to guide you through the entire process, ensuring you secure a mortgage that fits your specific needs and financial situation.
For those stepping onto the property ladder for the first time, we manage the full application process, helping to alleviate the stress. If you’re a parent or grandparent looking to assist a loved one in purchasing their first home, we offer family assistance solutions to make the process smoother.
Remortgaging is another area where we can support you, whether you’re looking to release equity for home improvements or reduce your monthly payments. We’ll handle your remortgage application from start to finish, ensuring you get the most competitive rate available.
Our expert advisers help you navigate the range of mortgage options, such as fixed-rate, tracker, or offset, providing personalised advice tailored to your needs. Whatever your circumstances—employed, self-employed, or even buying a holiday home—we’re here to simplify the mortgage process and help you achieve your property goals.
*Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Our first meeting with you is completely without obligation. We view this as a discovery meeting, where we explore your aspirations and understand how we might assist you in achieving your goals. This meeting typically lasts half an hour to an hour.
The aim of the meeting is two-fold:
To determine if you’re on track to meet your goals and objectives, your Financial Planner will need to gather detailed information about your current financial situation. You may also be asked to sign ‘letters of authority’ (LOA), allowing us to liaise directly with your existing product providers to obtain information that may not be available in your regular correspondence.
Before any chargeable work begins, we will arrange a brief follow-up meeting. The purpose of this meeting is to:
This follow-up meeting ensures that you feel comfortable with the advice being provided, understand the reasoning behind it, and have the opportunity to ask any questions before we proceed with a formal recommendation report.
At this meeting, your Financial Planner will present a detailed Financial Planning Report, outlining the reasons for their recommendations and how your financial plan will be implemented.
You will also receive illustrations, documentation, and a reconfirmation of the costs associated with both the initial and ongoing advice and services.
Your Financial Planner will take care of all the necessary paperwork to make you a client of ours and establish your financial plans.
If your plan involves existing arrangements, your Financial Planner will work on your behalf to liaise with third parties, ensuring there are no unnecessary delays in transferring your investments or pension.
Once your investments and pensions are in place, you will receive investment certificates by post. Going forward you will receive quarterly and annual statements of your investments and pensions. You can also access your Wealth Account via the SJP App.
We take pride in building long-term relationships with our clients. Ongoing advice is essential, as your needs and objectives are likely to evolve over time. The ongoing advice fee you pay grants you access to your Financial Planner throughout the year. If your circumstances change or you wish to discuss anything, you can contact your Financial Planner at no additional cost for ad-hoc meetings.
We will reach out to you annually to schedule your formal review meeting. It is important that you engage with your Financial Planner to ensure this crucial review is conducted.
VouchedFor is an independent service which allows individuals to review their financial advisers. Berkshire Financial Planning have been highly recommended by the people we work with.
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