Our Services
First Time Buyers
Taking your first step onto the property ladder is an exciting time – but with so much to think about, it can be a little daunting.
We believe everyone has the right to free mortgage advice, and as a local first time buyer specialist, we’re better placed than anyone to walk you through the process of buying your first home.
We offer a flexible service that gives you the power to choose how and when you want to deal with us. Whether that’s online, over the phone, or in branch over a hot cup of coffee – we’re here to help, whenever you need us.
Buy To Let Mortgages
Whether you’re purchasing your first Buy-to-Let property or managing an extensive portfolio, we understand that every penny matters when it comes to maximizing your profit. We’ve helped clients secure their first Buy-to-Let to building large, successful portfolios, and we’re here to support you every step of the way.
At HRFS, we go beyond just finding the best Buy-to-Let mortgage deal for your unique situation by searching through over 10,000 products. We’ll continue to service your portfolio, ensuring you’re always on the best deal and securing the most competitive rates.
Remortgages
As an experienced property owner, you know how important it is to secure a competitive rate on your mortgage. Even small differences in rates can significantly impact your monthly payments, which is why getting unbiased, trustworthy advice is essential when considering a remortgage.
At HRFS, every client is paired with a dedicated specialist advisor. Not only are they fully qualified and experienced in all aspects of remortgaging, but they also have a strong commitment to ensuring you’re completely satisfied – after all, our business depends on it!
Moving Home
Whether you are upgrading to a fancy new flat, or downsizing to a cosy little cottage, moving home can be a busy and stressful time. With everything that’s going on, there’s one thing you don’t want to be worrying about – your mortgage.
At HRFS, our experienced advisors are available to help walk you through the process of moving your mortgage to a new property. Whether you’re simply porting your current mortgage across, switching lenders after a change in circumstances, or applying for a new mortgage to cover the new property’s value, you can relax knowing that you’re in capable hands with our award winning service.
Protecting your Mortgage
One of the most important steps you can take is ensuring you have the right levels of protection. While many people understandably focus on what happens when they pass away and how to protect their family (which is vital), it’s also crucial to think about other potential risks. What if you were diagnosed with a critical illness? What if you had to take two years off work due to stress or suffered an accident that prevented you from returning to work? Although we hope these situations never arise, planning ahead is essential to maintaining the financial stability you’ve worked hard to build.
Our specialist protection team is here to guide you through the options and help you select the most suitable protection for your budget. When purchasing or remortgaging a home, it’s the perfect time to review your protection plans to ensure you have the right cover in place for your home, belongings, health, and loved ones.
New Builds
There’s so much to love about new build homes – the fresh paint smell, modern amenities, and stylish designs that place you at the forefront of the housing market.
On top of that, new build properties come with a variety of incentives, such as the government’s Help to Buy scheme, part exchange options, and shared equity schemes, all of which can help you secure a larger home than you may have thought possible. We also offer 95% mortgage options to make it even easier to get onto the property ladder.
Securing Your Investments, Today and Tomorrow.
We’re here to make mortgages simple, stress-free, and tailored to you. With decades of experience and proven results, we provide the clarity and confidence you need to secure your financial future.
Success Stories
Trusted by hundreds of clients with completed mortgages in the last 3 years.
Secured
Over £100 million in lending arranged for our customers.
Years of Expertise
A team with decades of combined mortgage and financial experience.