About Us – Mortgage Guardian
About us – In a nutshell we are Professional “Whole of Market” Mortgage and Insurance Advisers who specialise in arranging the most suitable mortgage for your circumstances with the most competitive rates. We are an Online business serving our clients in the East Midlands area mainly as well as on a national basis abiding by Financial Conduct Authority regulation. Everything is done over the telephone, email and post.
Finding the most suitable mortgage is not just about getting the lowest rate and choosing whether to have a fixed rate or variable rate mortgage. Sometimes it is about being able to find a lender who will lend you the money you need in the first place, and at the lowest rate on the property you want whether it is Residental, Commercial or an Overseas property. We look at the true cost and if it is the right thing to do, guide you past the high arrangement fees which can be a smoke screen for a low rate.
our clients choose us for the following reasons:
- Our aim is to have a good attitude both towards our clients and what they want to achieve. At the end of the day, without your valued custom we would not be here.
- It is important that our clients stay in control and understand not only the process of getting a mortgage but also the reason for our recommendation. We are not out to blind you with science.
- We leave no stone unturned when trying to get you the most suitable mortgage solution for your needs. We have a hunger to be as knowledgable as possible in what we do and make sure we are looking after you. If that takes some extra time on our side then so be it.
- It is important to buiold a high level of trust between us. We want you to be able to rely on us.
I initially trained as a Financial Adviser in 1998 gaining the Financial Planning certificates 1, 2 & 3. I became a Mortgage Adviser in the year 2000 gaining the Certificate in Mortgage Advice & Practice as well as the Mortgage Advice Qualification.
After a brief spell at Halifax Bank I started up Central Mortgage Network in East London and thoroughly enjoyed providing the best advice to people from all walks of life. A career highlight was advising the Bank of Scotland on the Intermediary Mortgage Market and they changed lending criteria on 3 out of 5 key areas that I highlighted.
I realised that good honest advice from knowledgeable mortgage advisers was hard to come by and that is how I made my name. I listen to clients and provide an unhurried service.
I sometimes charge a small fee for the service that I provide in addition to receiving a procuration fee from the lender when arranging your mortgage.
I am currently a mortgage and insurance adviser with 1st Call 4 Mortgages (UK) Ltd. 1st Call 4 Mortgages (UK) Ltd is regulated and authorised by the Financial Conduct Authority under number 676588 in respect of mortgage, insurance and mediation services only.
We are constantly striving to keep our knowledge up to date and relevant within the mortgage industry. We often use outside research services when clients need a solution for a special set of circumstances and it is not unusual for several people to be working on your mortgage to get you the best mortgage for your needs and to provide the best service possible.
Christopher Hall – CeMap, FPC & MAQ
Get The Most Suitable Mortgage for Your Needs!