Why use a Mortgage Adviser?
We’re specialists, we understand the industry and most importantly, we take the stress away from you.
Being a Financial Adviser at CJ White Group LTD is not solely about having the relevant qualifications, it is also about having an in depth knowledge of the industry and having the best interests of our clients at the very core of our business.
The world of financial lending can be complex, but don’t worry that’s where our qualified team come in. We have access to over 50 lenders and fully understand the intricacies and lending criteria for each of them enabling us to find the right solution for you. As our client we will maintain an ongoing relationship with you allowing us to take care of a wide range of your financial needs throughout your lifetime.
Our aim as your Financial Adviser is to take the stress away from you, have a streamlined process and ultimately, make sure the advice we give is right for you and your family.
How can we help you?
Buying a Home
Buying a home can be a stressful and complicated experience, especially if it’s your first time. At CJ White Group LTD, we offer clear mortgage advice, so you have all the tools you need to make an educated decision about what’s best for you and your future.
We’ve helped countless first time buyers get onto the property ladder, guiding them through the process and alleviating stress with our excellent communication and in-house resources.
It's a common misconception for people to think they have no way of buying a house, but with all the government support schemes and our expert advice, we may be able to make it happen sooner than you think.
Buy to Let
The Buy to Let (BTL) market is extremely complex and requires a Mortgage Adviser with an understanding of not only the standard lenders, but also specialised lenders. Our advisers speak with the BTL lenders on Stonebridge’s panel regularly, meeting with the business managers and refreshing our knowledge on any updated lending criteria or Governmental changes. If you are unsure whether BTL is the right choice for you, our Mortgage Advisors can discuss all investment opportunities to find the right options for you.
Re-Mortgage
At CJ White Group we take care of our clients and we are in it for the long haul. We will proactively contact you when your mortgage is due to expire, presenting you with the right competitive deals available to you.
We understand that your circumstances, needs and priorities may change, so at CJ White Group we take the time and care to advise you on each re-mortgage, thus ensuring any product we recommend is the right one for you and your family at any given time.
In an ever changing financial market, we pride ourselves on having saved our clients thousands of pounds in interest payments by helping them re-mortgage to a more competitive deal…. so don’t put off obtaining re-mortgage advice; it is vital.
Self-Employed
Self-employed lending criteria differs from lender to lender, as such, it requires expert advice. We will explore your self- assessment tax returns and offer guidance on which lenders will look favourably at your income and circumstances.
If you are considering getting onto the property ladder in the near future, we suggest you speak with one of our Qualified Advisors first as they can assist with explaining your mortgage affordability and discuss any additional support required for your mortgage application.
Protection
Whilst buying a house can be an exciting time, having a mortgage is likely to be the biggest financial commitment you’re ever likely to make. Protecting yourself, and your family, should the worst happen, is almost as important as taking out the mortgage and insuring against all eventualities takes away the stress of that commitment.
Lenders
We have access to over 50 lenders and some of the leading insurance providers on the market.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Some buy to let mortgages are not regulated by the Financial Conduct Authority.
