Mortgages & Personal Finance for Derby and Derbyshire

Financial Advice, Mortgages, Personal Loans, Domestic Finance

Howard Thomas has been involved in arranging domestic mortgages and personal finance for 45 years and is particularly knowledgeable about the hurdles erected by lenders for self-employed applicants. He has a Certificate in Mortgage Advice and Planning.

Howard’s company is directly authorised by the Financial Conduct Authority in respect of advising on and arranging regulated mortgages. Mortgages are sourced from the whole market including household names, niche, specialised lenders and building societies of all sizes. Secured and personal loans are sourced from a wide selection of lenders via an intermediary packaging company.

All types of regulated mortgage. i.e. on the house where you or a close relative lives, are arranged, as well as those secured on holiday homes, properties which are let out, overseas residences etc. In fact, if you want to borrow cash, ask Howard.

Fees are normally charged for the arrangement of mortgages, although initial discussions with Howard are free of charge. Normally any commissions received from lenders on regulated transactions are passed on to you, the borrower, which ensures lenders’ commission payments do not influence the decision.

Ask Howard. “We’ll find the most competitive mortgage arrangement or personal finance to meet your needs”.

Howard Thomas, Ltd. Registered in England No. 2594273. Consumer Credit Licence 312676. Authorised and regulated by the Financial Conduct Authority, in respect of regulated mortgages only 303923.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.