We are proud to offer our services in conjunction with Ezmuve Estate Agents!
Hi, I'm Stephen. I'm a fully qualified Independent, Whole of Market Mortgage & Protection broker.
I've worked in the Financial Services industry since 1990 (yes, I started when I was 2 years old.....) and have worked for some of the biggest names in the UK including Eagle Star Insurance, Barclays and Natwest.
I began my life as a Mortgage Adviser in 2002 at Barclays before moving to Bradford & Bingley (just before they went downhill - coincidence?) & Natwest (before they had to be bailed out by the tax payer - coincidence?) and eventually moved into self-employment -initially as an Appointed Representative of a mortgage network, before setting up my own business, directly responsible to the Financial Conduct Authority in early 2019.
When not at work, I'm usually enjoying the Great Outdoors - whether that's mountain biking in the Yorkshire Dales, snowboarding in Austria or playing in the surf in Cornwall, as long as I've got my family by my side I'm happy!
I'm pleased to now be able to offer my services via the fantastic team at Ezmuve estate agents. Whether you're a First Time Buyer, a Homemover or a Buy to Let property investor, I'm happy to guide you quickly & efficiently to your next purchase.
I have many happy existing clients, which I think is testament to the level of service and customer care I provide.
From the initial conversation, answering those burning questions you have, through to processing the mortgage application on your behalf - liaising with the lender, your solicitor and the estate agent and eventually you being able to collect the keys to your new place, I'm here to help.
It doesn't just end when the mortgage application has been submitted. I also have a duty of care to ensure you are aware of the various protection options available. You may want to consider Life Assurance, Critical Illness cover, Redundancy insurance, Income Protection - the list goes on! You will certainly need Buildings Insurance - your mortgage lender will insist on it.
Rather than leave you to find a cheap & nasty policy online (Meerkat anyone?) - only to find it's not worth the virtual paper it's (not) printed on, I can arrange Home Insurance from a range of insurers who only offer policies rated as 5* by DEFAQTO, ensuring that the policy is acceptable to your mortgage lender, and that your solicitor has a copy of the policy schedule when they need it. You'd be surprised how many times I get a last minute phone call asking me to arrange home insurance because the policy they bought online was cheap but worthless.
I'm happy to conduct meetings either in person, over the phone or (thanks to the 2020 Coronavirus pandemic), have now established a tried & tested video conferencing facility.
I have access to more than 90 different lenders and thousands of products servicing all types of property transactions from first-time buyers, shared-ownership, Self Build, remortgages, Buy to let, Help to Buy, Let to Buy and other specialist mortgages.
Been turned down by your own bank? It shows how much they really value your business...
Bad credit? We can help!
Self employed with only 1 years accounts? Shouldn't be a problem!
If you have an existing mortgage and you haven’t reviewed either the mortgage or your insurance recently you may be paying more than you need to.
If you are looking for an expert, local Financial Adviser please feel free to contact me to arrange an appointment.
You'll be able to find me by contacting Ezmuve estate agents on 01924 927073, my office number on 0330 043 2906, or my mobile - 07941 712705.
Alternatively, drop me an email at firstname.lastname@example.org.
I look forward to being able to help! In the meantime, take a look at the Vouchedfor.co.uk link below to see my reviews from past clients.