Intouch Financial Advice Ltd
Newcastle
Mortgage advice covering bad / adverse credit, help to buy, first-time buyers and 1 more. Intouch Financial Advice Ltd is listed as fee-free.
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About Intouch Financial Advice Ltd
Intouch Financial Advice Ltd is a UK mortgage broker based in Newcastle. Its website describes mortgage advice for residential mortgages, first-time buyers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Intouch Financial Advice Ltd records 4 areas of advice from its base in Newcastle: bad / adverse credit, help to buy, first-time buyers and residential.
Pairing first-time-buyer work with adverse credit is worth noting: a thin or damaged credit file is the single most common reason a first purchase falls over, and it needs a lender chosen for that rather than for its rate.
Bad / Adverse Credit
Adverse credit work means the firm places cases that high-street lenders decline — defaults, missed payments, CCJs, IVAs and discharged bankruptcies. Lenders in this space price by how recent and how severe the event was, so the date on your credit file matters more than the amount.
Read the bad / adverse credit guideHelp to Buy
Help to Buy cases now mostly mean people who already hold an equity loan and need to remortgage, staircase out of it, or sell. The equity loan has to be repaid at the property's current value, not what you borrowed.
Read the help to buy guideFirst-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see. Help to Buy is listed too, which matters if you are buying from someone still holding an equity loan.
Read the first-time buyers guideResidential
Standard residential advice covers buying, moving and remortgaging on your own home — the bulk of UK mortgage lending, and the area where switching deal at the right moment usually saves the most. Here that runs alongside adverse-credit work, so it covers people a high-street lender has already turned down.
Read the residential guideFees: what this means for you
Fee-free to you
Fee-free means the lender pays this firm a procuration fee on completion, so the advice costs you nothing directly. You still pay any lender product fee, valuation and legal costs. Adverse-credit cases take considerably more work, and some firms charge for them even when standard cases are free.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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Questions to ask Intouch Financial Advice Ltd
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2You are listed as fee-free — does that hold for a case like mine, and what will the lender be paying you?
- 3Given what is on my credit file and when it happened, which lenders would consider me, and roughly how much more will that cost than a high-street rate?
- 4What are my options for the equity loan — repay it, remortgage around it, or leave it in place — and what does each cost?
- 5What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 6Based on my income and commitments, what is the realistic maximum here, and when should I be starting the next remortgage?
- 7Do you see clients at your Newcastle office, or is this handled by phone and video?
Getting in touch with Intouch Financial Advice Ltd
Intouch Financial Advice Ltd lists a phone number alongside its own website, so you can either call or start with an online enquiry.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
What does Intouch Financial Advice Ltd charge for mortgage advice?
Intouch Financial Advice Ltd is listed on MortgageMatch as fee-free, meaning the broker is paid commission by the lender rather than charging you for advice. You would still pay any lender product fee, valuation and legal costs. Adverse-credit cases take considerably more work, and some firms charge for them even when standard cases are free.
What types of mortgage does Intouch Financial Advice Ltd handle?
Intouch Financial Advice Ltd records bad / adverse credit, help to buy, first-time buyers and residential, working from Newcastle. Ask anyway if your case sits outside that list.
Can Intouch Financial Advice Ltd help if I have bad credit?
Intouch Financial Advice Ltd lists adverse credit as an area it covers, which means it places cases involving defaults, missed payments, CCJs or an IVA. Bring the dates and amounts from your credit file to the first conversation — specialist lenders price on how recent the event was, so an adviser cannot give you a realistic answer without them.
Does Intouch Financial Advice Ltd only cover Newcastle?
Intouch Financial Advice Ltd is listed in Newcastle, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Newcastle upon Tyne on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.