Latest news
Can we overpay on our fixed-rate mortgage without getting charged?
2 Sep 2007: We currently overpay our mortgage by £500 a month, but would would like to pay more. How can we do this without getting charged?
Lightbulb plan makes estate agent look dim
1 Sep 2007: An estate agent is stockpiling 100w bulbs to sell to 'desperate' consumers for up to £60 each
Mortgage approvals rise again but repayments outstrip lending
1 Sep 2007: Number of approvals for purchase at a 15-month high, but mortgage holders pay back £418m more than was lent in July
Introduction and Regulatory Status
Xpert mortgages is a trading style of Broker’s Choice. Broker’s Choice is an appointed representative of Financial Protection Network Limited, which is regulated and authorised by the Financial Services Authority (FSA).
Xpert mortgages has access to thousands of mortgage products from across the industry; we are a “whole of market” regulated mortgage broker offering the highest standards of professionalism and customer service. We specialize in self-certification and fast-track mortgages; with our business partners, we have access to the very best resources and people to fulfil your requirements.
Our objectives are:
- To offer a professional and informed self-certification and fast-track mortgage advisory service to the self-employed (including freelancers and contractors and other contract workers), where proof of income, for one reason or another, is not readily available.
- To offer a professional and informed self-certification and fast-track mortgage advisory service to the employed, where a substantial portion of their income is derived from sources such as regular commission and bonuses, and, again, where proof of income is not readily available.
- Whilst we specialise in self-certification and fast-track mortgages, we also offer other types of mortgages, including full-status residential mortgages (where the lender insists of proof of income as part of the application process), and landlord mortgages for residential property investment purposes.
- We are authorised and regulated to offer advice on general insurance products (such as residential buildings and contents insurance, to cater for the needs of the homeowner and the professional landlord, respectively). Again, these products are offered from across the market.
- We also offer a full advisory service on non-investment life assurance products from across the market.
- Our commercial relationships with our partner firms (professional and regulated firms in their own right) means that we really are a genuine “one-stop” financial services shop offering the very best advice and service that our clients have come to expect from us.
Best buys
| Rate% | Per | Max LTV% | FEE (£) | |
|---|---|---|---|---|
| HSBC | 5.43 | for 2 yrs | 90 | 999 |
| Barnsley BS | 5.69 | for 2 yrs | 85 | 750 |
| Co-operative Bank | 5.64 | for 3 yrs | 90 | 599 |
| Mansfield BS | 5.80 | for 3 yrs | 75 | 599 |
| Cumberland BS | 5.74 | to 1.6.13 | 75 | - |
Regulatory Status
True Self Cert Broker is a trading style of Broker’s Choice. Broker’s Choice is an appointed representative of Financial Protection Network Limited, which is regulated and authorised by the Financial Services Authority (FSA).
