Professional Mortgage Services
Manchester
Mortgage advice covering later life / equity release, buy-to-let. Professional Mortgage Services charges a broker fee.
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About Professional Mortgage Services
Professional Mortgage Services is a UK mortgage broker based in Manchester. Its website describes mortgage advice for buy-to-let, later life lending. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Professional Mortgage Services works across later life / equity release and buy-to-let from Manchester — a focused listing led by later life / equity release work.
Later Life / Equity Release
Later-life lending and equity release are separately regulated and have long-term consequences: interest can roll up against the value of your home, and it changes what is left in your estate. Advisers need a specific qualification to recommend it.
Read the later life / equity release guideBuy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting.
Read the buy-to-let guideFees: what this means for you
Charges a broker fee
You pay this firm for its advice on top of the lender's product fee, valuation and legal costs. Ask for the amount, the point at which it becomes payable and whether it is refundable if the case falls through — firms must disclose this before you commit. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask Professional Mortgage Services
Tailored to this listing.
- 1You list later life / equity release and buy-to-let — how many cases like mine do you place in a year, and which lenders do you use for them?
- 2What is your fee, when is it payable, and do I get it back if the application does not complete?
- 3What qualification does the adviser hold for equity release, and how would rolled-up interest affect what I can leave to my family?
- 4How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 5Do you see clients at your Manchester office, or is this handled by phone and video?
Getting in touch with Professional Mortgage Services
Professional Mortgage Services 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
Does Professional Mortgage Services charge a fee for mortgage advice?
Yes. Professional Mortgage Services is listed as fee-charging, so you pay the firm for its advice in addition to lender and legal costs. Ask for the exact amount, when it becomes payable and whether you get it back if the application does not complete. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
What types of mortgage does Professional Mortgage Services handle?
Professional Mortgage Services records later life / equity release and buy-to-let, working from Manchester. Ask anyway if your case sits outside that list.
Does Professional Mortgage Services advise on equity release and later-life lending?
Professional Mortgage Services lists later life and equity release among its areas. This is separately regulated advice and an adviser needs a specific qualification to give it, so ask which one they hold. Ask too about the alternatives — a retirement interest-only mortgage or downsizing may cost your estate far less than a lifetime mortgage.
Does Professional Mortgage Services only cover Manchester?
Professional Mortgage Services is listed in Manchester, 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 Manchester 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.