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THE SMALL PRINT

Well, actually it is quite large print really, but we felt that it made sense just to cover all the legalities in one place and under one heading!

Who are you?

Abode Mortgages Limited are appointed representatives of Stonebridge Mortgage Solutions Limited, Regency House, Miles Gray Road, Basildon, Essex, SS14 3FR, who are authorised and regulated by the Financial Conduct Authority. Abode Mortgages Limited are a family owned business in East Anglia.

Where are you?

We now work from a home office in the historic Cinque Port Liberty town of Brightlingsea. I offer my clients appointments either by Teams or Zoom or of course telephone and e-mail. I also offer home visits at times convenient to my clients if that is your preference.

Remember in all of our dealings with you, it is ALL about YOU! 

What do you do?

We advise on and arrange Mortgages, Equity Release and non investment Insurances. Mortgages and Equity Release are sourced from the entire market, Insurances are from a carefully chosen panel of market leading Insurers. We do not advise on direct only deals. 

Do you charge Fees?

Our initial meetings, mortgage consultations and quotes are ALWAYS free of charge and with absolutely no obligation to you. If we act on your instructions to apply for a mortgage, we charge a broker fee for arranging and processing the mortgage for you. The fee will be dependent on your circumstances, you can find out more HERE. This fee is only payable when we submit a mortgage application to the lender and is due on acceptance of a submitted mortgage application. We will always tell you in writing exactly what fee we will charge.

We believe in keeping everything 100% transparent.

What are your opening hours?

We have no formal office hours, but we're usually available Monday to Friday between the hours of 09.00 and 18.00. Out of office hours we have an answer facility on our phone lines and will always get back to you the next working day. Appointments are by way of video conferencing or telephone and e-mails primarily, but can also be offered in your own home with evening appointments available if required. We do not usually offer weekend appointments as we do value family time, but if it is genuinely the only time we can see you, an exception can usually be arranged!

Risk warnings
  • Your home may be repossessed if you do not keep up repayments on your mortgage.

  • If you remortgage, you may incur early redemption penalties.

  • If you are contemplating consolidating unsecured debt into your mortgage please consider the implications of how much additional interest you will have to pay over the mortgage term.

  • Also remember that if the unsecured debt is in a single name and the mortgage is in joint names, that both parties will become jointly and severally liable for the consolidated debt.

  • With Equity Release, please remember that you will require independent legal advice as to the suitability of our recommendation. 

Links

Clicking any link that takes you away from this site removes any liability from the proprietors of this web site. The accuracy of any information found on other sites is the responsibility of those sites. Any decision to act on such information is solely the responsibility of the individual.

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