Independent Mortgage Advice Across the UK
Buying a home, remortgaging, or exploring your mortgage options can feel overwhelming. At Bloomfield Financial, we offer independent mortgage advice that’s clear, unbiased, and tailored to your unique circumstances. Based in the North East of England, we proudly serve clients throughout the UK, helping them make informed decisions about their financial future.
Why Choose Independent Mortgage Advice?
Unlike lenders or tied brokers, we work for you—not the banks. Our role is to provide impartial advice, searching the entire market to find a mortgage or remortgage solution that aligns with your needs, goals, and budget.
- First-Time Buyers: Simplify the process of securing your first mortgage.
- Remortgaging: Control your monthly payments or unlock equity with our independent remortgage advice.
- Buy-to-Let Investors: Find competitive options to grow your property portfolio.
- Self-Employed or Contractors: Navigate the complexities of proving your income with expert guidance.
What Sets Us Apart as Independent Mortgage Brokers?
We’re not just about finding you a deal—we’re about finding the right deal. Our team takes the time to understand your financial situation, future goals, and any challenges you face, so we can recommend solutions that work for you today and in the long term.
- Access to the Whole Market: We compare thousands of mortgage products to secure the best rates and terms.
- Personalised Service: Speak to a dedicated adviser who understands your unique situation.
- Transparent Fees: We’re upfront about our charges, so there are no surprises.
Need Expert Guidance on Equity Release or Lifetime Mortgages?
If you’re considering options like lifetime mortgages or equity release, we’ve got you covered. Visit our Lifetime Mortgages and Equity Release page to learn more about how these products could support your financial goals in later life.
How to Get Started
Booking an initial appointment with one of our advisers is quick and easy. We offer free, no-obligation chats to help you understand your options and take the first step toward achieving your financial goals. Whether you’re buying, remortgaging, or looking into specialist products, we’re here to guide you every step of the way.
Just Scroll down to the Book an Appointment link and you can pick a time from here.
FAQs About Our Mortgage Services
We’ve covered all the essential details—like fees, processes, and compliance—in the FAQ section below. If you’re ready to take the next step, get in touch to book your free initial consultation today.
FAQs, Appointment Booking, Legal Bits, Costs Etc.
Book An Appointment
Whose Products & What Services Do We Offer?
We offer mortgages from the whole market, but not deals that you can only obtain by going directly to a lender. Our service is not restricted by either provider or product type.
We offer advice on both residential purchases and remortgages as well as buy to let and commercial mortgage and remortgage.
What Will You Have To Pay For This Service?
We will advise and make a recommendation for you after we have assessed your needs.
New Customers: Will pay a fee of £200 on successful completion of your mortgage for a standard residential mortgage. A commercial or non-standard mortgage will attract an additional fee of £150. These fees are payable in addition to any procuration fee we may receive from the lender.
Existing Customers: If we have arranged a mortgage for you within the previous 10 years then the fee will be reduced by £200. Equally, if you are currently receiving an ongoing service for pensions or investments the fee will also be reduced by £200. As we have done extensive work for you before we will know a significant amount about you and thus the service is less time consuming than for a new customer. We will normally also receive a procuration fee from the lender.
As a client, you can request details of all procurement fees provided by lenders offering a regulated mortgage contract. You will receive a European Standardised Information Sheet or a Key Facts Illustration Plus when considering a particular mortgage which will tell you about any fees relating to it.
What is commercial or non-standard: We will ensure that you are advised if the non-standard fee applies before work commences, usually after your fact-find is completed. This list is not exhaustive but some examples of a ‘commercial or non-standard’ would be; Buy To Let, Let To Buy, Purchase in the name of a company or trust, adverse credit history still showing on your credit file, debt consolidation of more than 20% of the mortgage balance. Your adviser will ensure you are informed of your fee before work commences but reserve the right to come back to you should additional information come to light during the application process that would incur the additional charge.
When & How Will You Have To Pay For This Service?
We offer a ‘no completion no fee’ guarantee so your mortgage fee is only payable upon successful completion of your mortgage.