Mortgage Advice

TISCO Financial Planning is a fully independent firm of chartered financial advisers and mortgage brokers based in St Albans, Hertfordshire. Our independent status means we work for you, our clients, and are not tied to any financial institution or mortgage lender. Our St Albans based advisers can therefore provide independent mortgage advice and find the best mortgage or remortgage deal for you from the whole market place after taking account of your personal circumstances.

We offer a free quotation and mortgage advice service – you can request a mortgage or re-mortgage or buy to let quotation here.

We understand that buying your house is one of the biggest financial decisions of your life so instead of asking you to answer a host of impersonal questions, we prefer to discuss your needs and priorities with you before providing any advice and recommending a suitable mortgage product. This can be just a quick chat on the phone or if you prefer, a face to face meeting at our offices in St Albans or elsewhere if mutually convenient. This initial conversation is always free and without obligation and we also offer a free mortgage assessment service so you can see how we may be able to help you buy that dream house or save you money with your re-mortgage.

Our experienced advisers do not believe you can find the right mortgage by ticking some boxes, looking at a few interest rates, and then making a decision based purely on the cheapest rate. This may well be right for some clients but often the cheapest rates are only available if you also meet a number of other criteria. For example there is no point in applying for a mortgage and completing application forms if the property is of non standard construction as many lenders will not loan money on this type of property.

With help and advice from a real person available at all stages of the process, our qualified advisers will consider the thousands of mortgage products available from hundreds of lenders, read the small print and expose any hidden fees before recommending a suitable one for you. We are able to offer our series nationwide if the case requires.

That said we do appreciate that some clients wish to get an idea of rates before going any further and for these reason we offer our free mortgage quotation service.

TISCO Financial Planning does not typically charge a fee for its mortgage service as most lenders pay a commission for our services as an intermediary. We may charge on a small number of cases if there are unusual circumstances but we will always fully disclose these to you and obtain your agreement if that is that case.

Your home may be repossessed if you do not keep up repayments on your mortgage. Buy to let mortgages are not regulated by the Financial Conduct Authority.