1. How we can help you
At THP, we work in close partnership with two highly regarded independent mortgage brokers. Both can access hundreds of lenders, making it easier to find the right mortgage for your needs.
Whether you need a residential, commercial or buy-to-let mortgage, you can rely on both of our partners to scour the market looking for the best possible deals for you.
2. Introducing our partners…
Our partners are Michael Molloy of Connect Mortgages and Kieran Sammon of John Charcol. Both have extensive experience in the property market and have hundreds of delighted customers.
THP has chosen these two professionals to act as our partners because we know they can offer our clients the very high standards of service our clients expect.
Michael Molloy has been working in the property market for over 20 years and, in addition to being a qualified mortgage advisor, has run his own estate agency business since 2009. This enables Michael to combine detailed knowledge of the buying and selling process with an up-to-date understanding of the mortgage market, ensuring he can to provide you with a uniquely in-depth service. In addition to arranging Mortgages, Michael can also offer Mortgage Protection Insurance which is a type of policy that helps to pay your monthly mortgage repayments if you can't work due to illness, a serious injury or redundancy. Sometimes it's called mortgage payment protection insurance (MPPI).
Kieran Sammon has been in the mortgage industry for over a decade, starting out in high street banking before moving on to market brokerage. He’s worked alongside well-established solicitors, accountants and estate agents throughout his career, ensuring he has many reputable contacts across the industry. Kieran also prides himself on the long-standing relationships he has built with his clients over the years, helping them at all the different stages of their lives. In addition to arranging mortgages, Kieran can also advise on specialist lending (ie bridging loans , second charge loans) and also ex pat lending for clients based overseas or earning foreign income .
3. How to get independent mortgage advice
If you would like independent mortgage advice, simply get in touch with THP’s Client Services lead, Ian Henman, on 0800 6520 025 (or click the ‘Contact Us’ button below). Once he understands your needs, he will refer you to either Kieran or Michael (you are welcome to choose which one, or we can advise you).
After this, your chosen independent mortgage broker will get in touch and arrange a meeting with you. They’ll fully discuss your requirements and ensure they have all the relevant information needed to undertake detailed research and make a recommendation to you.
Both Michael and Kieran are not only able to arrange your mortgage, but they are also happy to liaise with all associated parties such as estate agents and solicitors to make the whole process as smooth and efficient as possible.
4. Why use a mortgage broker?
For most people, their mortgage is the single largest financial commitment they will make in their lifetime.
With so many different mortgage products in the market, each with their own features, benefits and costs, it can be difficult and extremely time consuming to find the right mortgage for your own personal needs and circumstances.
Our two independent mortgage broker partners can access the whole of the UK’s intermediary mortgage market, including a number of exclusive products that are only available via brokers. They can give help and advice to people in all circumstances.
Our partners pride themselves on the personal and professional service that they provide, whether you are a first-time buyer, home-mover, buy-to-let investor, want to raise some capital or simply wish to re-mortgage to a better deal.
Why use our mortgage broker partners?
Choosing a suitable mortgage is very time consuming due to the sheer variety of available mortgage products.
Our partners’ experience enables them to package your mortgage application in the right way for you and thus minimise timescales.
They also offer you:
- A personal and attentive service throughout
- Exclusive products
- A competitive fee structure (no fee for many mortgage products)
- Access to a comprehensive range of mortgage products from across the whole intermediary market
5. Who our partners can help
- First-time buyers
- Sole traders
- Company directors
- Buy-to-let landlords
- Let-to-buy mortgage borrowers
- Right-to-buy tenants
- New-build purchasers
- People with impaired or adverse credit scores
6. Mortgage options
Whether you are purchasing a property for the first time, re-mortgaging an existing property or have a buy-to-let portfolio, both Kieran and Michael have plenty of expertise in each of these sectors.
They will explain the various types of mortgage options open to you. These may include fixed, variable, tracker and offset mortgages. They will also provide you with advice on the most appropriate way of repaying your mortgage to fit in with your current and planned future circumstances.
Selecting a mortgage can be a difficult and time-consuming experience, especially as lenders often use jargon, describe mortgages by different names, have varying interest rates, small print terms and upfront charges, many of which change almost daily. For these reasons, we believe you should always use a specialist broker who has the current market information to hand and can guide you through this maze.