Expert guidance and personalised support to navigate your first home purchase, from financial planning to making an offer. Turn your homeownership dream into reality.
Get expert insights and customized support for your remortgage needs. From evaluating your current mortgage to finding better rates, we help you strengthen your financial future with ease.
Navigate your home move with expert advice and personalized support. From finding the right mortgage to managing the transition, we make your move smooth and stress-free.
Maximise your investment potential with expert guidance on buy-to-let mortgages. From understanding market trends to securing the best deal, we help you build your property portfolio with confidence.
Optimise your buy-to-let portfolio with strategic insights and tailored support. From expanding your property holdings to enhancing returns, we empower you to achieve long-term success.
About Plain Savings Mortgage Services
Our Aim
As independent mortgage advisers, we aim to provide high-quality service. We understand that a mortgage is likely your largest financial commitment. Our goal is to help you understand how mortgages work and how to manage repayments effectively through regular reviews.
What We Offer
- Finding the Best Mortgage: We seek to reduce your financial burden by finding the best value mortgage for you.
- Protection: We ensure adequate protection for you and your family.
- High Standards: We are committed to providing excellent service and customer care before, during, and after your mortgage completes.
Our Process
- Market Review: We constantly review market conditions to identify the most suitable mortgage and insurance products for you.
- Initial Steps:
- Complete a mortgage review questionnaire, including an income and expenditure statement.
- Provide the required paperwork for an accurate mortgage assessment.
- It’s important to do this well in advance and again just before placing an offer on a property, as lending criteria or your circumstances may change.
- Recommendations: We will provide written recommendations based on our assessment. This written advice will be an important record of our discussions. Your lender’s formal offer will also confirm the mortgage details.
Our Fees
We charge a one-time fixed fee for our services, which includes market research, administration, and submitting your application to the lender. The fees vary depending on the type of mortgage:
- Standard mortgage/remortgage: £375
- Negotiate with existing lender (Product Transfer): £150
- Further Advances: £200
- Buy-to-let mortgages: £400
- Portfolio landlords: £450
- Equity Release: £550
- Additional Fees: £100 (for debt consolidation, credit issues, Right to Buy, Help to Buy)
Commitment to Quality
Plain Savings is dedicated to saving money for our clients while providing top-quality service.