Your house is probably the single biggest purchase that you will make in your lifetime, so choosing the right mortgage is critical

IPFM are independent financial advisors, so we are not tied to any brokers or mortgage lenders. We can research a wider market to find the right mortgage for you based on your individual circumstances. We are authorised and regulated by the Financial Conduct Authority and are Certified in Mortgage Advice and Practice, giving you peace of mind that we will offer you the best advice.

IPFM’s mortgage advice services include:

  • First Time Buyer Mortgages
  • Buy to Let Mortgages (Consumer only)
  • Key Worker Mortgages
  • Equity Release (Consumer only)
  • Mortgage Payment Insurance
  • Fixed Rate Mortgages
  • Tracker Mortgages
  • Interest Only Mortgages
  • Investment Mortgages
  • Pension Mortgages
  • Offset Mortgages

Consumer buy-to-let mortgages – The Financial Conduct Authority does not regulate buy to let mortgages. Where you take out a consumer buy-to-let mortgage, if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS). The FOS settles disputes between financial services business and their customers Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.

Equity Release (Lifetime mortgages) – This is a lifetime mortgage, to understand the features and risks, ask for a personalised illustration.’ Using equity in your home will affect the amount you are able to leave as an inheritance.  Any means tested state benefits (both current and future) may be affected by any equity released.

Mortgages – Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home, your home may be repossessed if you do not keep up repayments on your mortgage.