Straker Financial Services Ltd
Plymouth
Mortgage advice covering bad / adverse credit, self-employed, help to buy and 1 more. Straker Financial Services Ltd has not recorded a fee structure.
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About Straker Financial Services Ltd
Straker Financial Services Ltd is a UK mortgage broker based in Plymouth. Its website describes mortgage advice for first-time buyers, self-employed borrowers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Straker Financial Services Ltd records 4 areas of advice from its base in Plymouth: bad / adverse credit, self-employed, help to buy and first-time buyers.
Covering both adverse credit and self-employed lending is the harder end of the market — those two together are exactly the cases high-street lenders turn away, and they need a broker who knows the specialist panel.
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 guideSelf-Employed
Self-employed cases turn on how a lender reads your income. Some average two or three years of accounts, some use your latest year, and sole traders, limited-company directors and day-rate contractors are all assessed differently. A firm that does this regularly knows which lenders sit where.
Read the self-employed 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 guideFees: what this means for you
Fees not specified
We hold no fee structure for this listing, so we cannot say either way — the tailored questions below cover what to ask. 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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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 Straker Financial Services Ltd
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2Do you charge a broker fee? If so, how much, and when is it due?
- 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?
- 4How will lenders read my income — salary plus dividends, net profit, or day rate — and do you work with lenders that use my latest year rather than an average?
- 5What are my options for the equity loan — repay it, remortgage around it, or leave it in place — and what does each cost?
- 6What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 7Do you see clients at your Plymouth office, or is this handled by phone and video?
Getting in touch with Straker Financial Services Ltd
Straker Financial Services 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 Straker Financial Services Ltd charge for mortgage advice?
Not recorded on this listing — ask Straker Financial Services Ltd directly, as it must tell you before you commit. Adverse-credit cases take considerably more work, and some firms charge for them even when standard cases are free.
What types of mortgage does Straker Financial Services Ltd handle?
Straker Financial Services Ltd records bad / adverse credit, self-employed, help to buy and first-time buyers, working from Plymouth. Ask anyway if your case sits outside that list.
Can Straker Financial Services Ltd help if I have bad credit?
Straker Financial Services 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 Straker Financial Services Ltd only cover Plymouth?
Straker Financial Services Ltd is listed in Plymouth, 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 Plymouth 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.