Business Details
Independent Mortgage & Protection Advisers in York
As Independent Mortgage & Protection Advisers, we are free to advise on financial products available from all relevant product providers. We use our experience and advanced computer software to research, compare and select the most suitable deals currently available. We are thus able to make arrangements to maximize the benefits to our clients. You'll get our help to review your existing financial situation and reach a realistic assessment of your likely needs. For this, you'll need to set aside some time to talk to us - the first one-hour consultation is free. There's no charge, and no obligation, while we find out together if it's worth going ahead. Depending on your instructions, we will carry out an analysis based on your current situation and take into account any specific plans you may have. We will then advise you on what we believe are the most suitable mortgage & protection products from an extensive range of financial providers in the UK. You will receive professional advice in choosing the right products for your circumstances. All our proposals will be fully explained and costed so that you'll know exactly what and why before you agree to anything.
Services
Mortgage Advice
Protection Planning
Insurance Solutions
Help to Buy Schemes
Equity Release
Remortgaging
First-Time Buyer Support
Commercial Mortgages
Life Protection
Mortgage Analysis
Highlights and features
- We have over 20 years of experience in independent mortgage advice
- We offer access to products from all major UK financial providers
- Our first one-hour consultation comes with no charge or obligation
- We provide fully explained and costed mortgage proposals
- We are authorised and regulated by the Financial Conduct Authority
Associations and certifications
- Financial Conduct Authority
What people say
Seamless process
Helpful every step
10/10 service
Product knowledge
Made it simple
Services
Mortgage Advice
We provide comprehensive mortgage advice tailored to individual circumstances. Our independent status allows access to products from all major UK lenders. Our advisers use advanced software to analyse market offerings and recommend suitable solutions while explaining all costs and implications clearly.
Protection Planning
Our protection services ensure financial security through appropriate insurance products. We assess individual needs to recommend life cover, critical illness protection and income replacement solutions. All recommendations are fully explained with clear cost breakdowns to aid informed decision-making.
Remortgaging
We help clients optimise their mortgage arrangements through strategic remortgaging. Our analysis considers current market rates, individual circumstances and potential savings. We provide clear comparisons between existing arrangements and new options available through multiple lenders.
First-Time Buyer Support
Specialised guidance for first-time property purchasers. We explain mortgage options, help with affordability assessments and navigate government schemes like Help to Buy. Our service includes step-by-step support through the entire purchasing process.
Equity Release
We offer expert advice on equity release solutions for older homeowners. Our specialists explain different product types, assess suitability and demonstrate financial implications. We ensure clients understand both immediate benefits and long-term consequences of releasing property equity.
Questions
How do you differ from bank mortgage advisors?
Unlike banks offering only their own products, we're independent advisers with access to all major UK lenders. This allows us to find the most suitable mortgage solutions without restriction or bias.
Is the initial consultation really free?
Yes, we offer a completely free one-hour initial consultation with no obligation. This allows us to understand your needs and explain our services before you decide to proceed.
What mortgage types do you cover?
We advise on all mortgage types including fixed rate, tracker, offset, interest-only, buy-to-let, and specialist mortgages. Our experts explain each option's pros and cons to find your best match.
How are you regulated?
We are authorised and regulated by the Financial Conduct Authority (reference 211178). This ensures we maintain strict professional standards and provides you with formal complaint resolution processes.
Can you help with protection products?
Yes, we offer comprehensive protection advice including life insurance, critical illness cover and income protection. We ensure these products integrate effectively with your mortgage arrangements.
Reviews (6)
John Dey
Mar 31, 2021
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Martin & Susie will do everything they can to secure you the best mortgage and life insurance! Nothing is too much trouble. Couldn't recommend them enough.
Mark Wright Markwright
Nov 22, 2020
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Martin & Susie have been fantastic throughout the whole process helping us secure a mortgage for our first home. I can imagine we weren't the easiest of clients, and myself having bad credit thought I was hopeless if I'm honest but you have worked some magic. You've been so patient with us, and now sitting here writing this in our new home I can't even put into words properly how grateful we are for your help. Thank you so much
Simon Langley
Apr 30, 2019
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Cannot thank Martin and Susie enough for all their help sorting out our mortgage! Martins product knowledge and the way he makes everything so straight forward puts you at ease straightaway! Thank you!
Richard P.
Nov 04, 2018
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FMA made our first mortgage really simple and easy to understand. They were helpful every step of the way and went above and beyond what was required. 10/10 service. Big thank you to Susie & Martin
Richard Prince
FMA made our first mortgage really simple and easy to understand. They were helpful every step of the way and went above and beyond what was required. 10/10 service.
Simon Langley
Cannot thank Martin and Susie enough for all their help sorting out our mortgage! Martins product knowledge and the way he makes everything so straight forward puts you at ease straightaway! Thank you!!