Mortgage Advice

Primary Financial Solutions offers a whole of market mortgage advice service to its clients.

We help individuals & landlords get the best service and most suitable solutions(s) available to them.

Think carefully before securing debt against your home, your home may be repossessed if you do not keep up repayments on your mortgage.

First Time Buyers

Buying your first home can be a time of excitement and celebration, but it’s also an experience that many people find daunting and with so many first time mortgages out there it can be difficult to know where to start.

At Primary Financial Solutions, we understand first time mortgages and the Lenders that specialise in these.  We will provide you with a dedicated case handler who will liaise with yourselves, the Lender and even your Solicitors ensuring smooth transition from the moment your offer is accepted to the moment the keys are in your hand.   With years of experience in helping people own their first home, Primary Financial Solutions will give you all the guidance and reassurance you need to get you on the first step of the ladder.


We find that people remortgage their homes for a number of reasons.

Some want to reduce their monthly repayments or reduce other debts. Others want to change the terms of their mortgage to make it more flexible and suit their current needs. Others may want to release capital that has built up in their home over the years.

The process of remortgaging may seem awkward and time consuming but at Primary Financial Solutions we will be by your side throughout the process.  Your dedicated case handler will liaise with yourselves, your new Lender and your Solicitor to make the process of switching to your new Lender smooth and in perfect time before your current rate expires and your mortgage rate reverts to the current variable.

Because we know that sometimes life isn’t straightforward, we will also help you find the right remortgage product when your credit score is less than perfect.  County Court Judgements and defaults are never a reason to avoid speaking to us as mortgage criteria is constantly changing and more and more Lenders are accommodating adverse credit.  We are able to find you a remortgage even if you’re self-employed or retired – it’s always worth asking the question.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Home Moving Advice

Moving house falls under one of the top 3 most stressful events in our lives.  There are many questions you will need to ask yourself when choosing your next property.

After deciding where you would like to live your thoughts and questions would now turn to your new mortgage:

  • How much will it cost?
  • Is if affordable to me?
  • How much deposit will I need?
  • What type of mortgage do I want?
  • Will I even be able to get a mortgage?

The home loan market is complex and there are so many different mortgages to choose from.

At Primary Financial Services, you can be safe in the knowledge that we are on hand to answer any of your questions.  We will help you with the tricky process of not only getting a mortgage but getting the right mortgage.

We take immense pride in offering a personal service that takes into account your individual circumstances.  Your financial situation is unique so we work hard to understand your goals and aspirations and make financial recommendations based on a comprehensive and detailed analysis of your needs.

You will have dedicated case handler who will liaise with yourselves, your Estate Agent, your new Lender and your Solicitor to take a lot of the stress of moving away allowing you to concentrate on nicer things like shopping for paint or furniture!

Bad Credit Mortgages

We understand that it can be difficult to find a Lender willing to provide a mortgage with a history of bad credit, but with help from our Specialist Advisors, you can get access to a potential mortgage with minimum fuss.

We will help you find the right mortgage product when your credit score is less than perfect.  County Court Judgements and defaults are never a reason to avoid speaking to us as mortgage criteria is constantly changing and more and more Lenders are accommodating adverse credit.

Never be afraid to ask the question.  Our Advisors pride themselves in finding you a mortgage that is tailored to your specific financial circumstances.

Check your credit report here

By clicking this link, you will need to register your details with Checkmyfile and enter into a free 30-day trial period. This will allow enough time for you to register your information and download your report. You are free to cancel this trial period at any time during the 30-day free trial period without penalty. Should you fail, or choose not to do so, Checkmyfile will charge you a subscription fee of £14.99 per month thereafter.

– To get the best from this service please ensure you register all of your primary and/or associated addresses within the last 6 years.
– Primary Financial Solutions will receive a payment of £12 per free trial entered into via the link to Checkmyfile’s website. This is payable whether you cancel the free trial period or not.

– It should be noted that lenders will not be assessing the report produced from Checkmyfile and will undertake their own research and assessment

– By clicking the link you’re departing from the regulatory website of Primary Financial Solutions. Neither Primary Financial Solutions nor Quilter Financial Planning are responsible for the accuracy of the information contained with their site. Details of how to unsubscribe or cancel this service is available directly from the Checkmyfile website under their T&C’s which states “if you wish to cancel your subscription, please log in and send us a Secure message at any time, email us, or call us on our Freephone telephone number 0800 086 9360 during normal office hours. In all cases we will provide you with a cancellation reference code in confirmation”.

Self-Employed Mortgages

It is a misconception that self-employed workers find it difficult to find a mortgage product to enable them to buy or remortgage their home.

In theory, self-employed borrowers have access to exactly the same range of mortgage products as everyone else but you will need to be able to prove you have the income necessary to make the repayments on the loan for which you are applying.  Typically, Lender’s require to have at least two years’ worth of Accounts, SA302s and tax year overviews.

Your Financial Advisor will tailor a mortgage that is right for you and advise you on any aspect of the Lender’s criteria especially around your self-employment income so you know exactly what the Lender would need.

Self Build Mortgages

The world of self build mortgages can be daunting.  At Primary Financial Solutions, we are in a unique position to look at things from a Lender’s perspective which helps us to understand how these mortgage products are crafted.

If you are not fortunate enough to be able to build a home using savings, or with the funds from the sale of your previous home, you will need to borrow some money to finance your build.  This is where a self build mortgage will come in handy.

While every self build mortgage lender will have its own specific set of criteria to be satisfied, most will require copies of the build plans and planning permission to be provided to their valuer on or prior to inspection of the land and throughout the property build stages.

Our specialist Self Build Advisor will be there every step of the way for you to answer any of questions or concerns and to liaise with the Lender or any other third parties. At Primary Financial Solutions, we thrive on the challenge of being able to help our clients complete on their dream home and look forward to them returning time after time to remortgage their property.

Insurance Advice

Most of us think nothing of insuring or indeed finding the right insurance for the home, the car, the holiday, the pets or even the fridge and freezer, but very few of us take the time to have the most suitable insurance for the most important things – ourselves and our family.

There are not many things in Life that are guaranteed, but unfortunately death is one of those guaranteed events.  Life Insurance is an invaluable way of safeguarding the livelihood of your dependants after your death.

The worst case scenario, which unfortunately occurs more often than it needs to, is for one partner to die, and for the other to be forced to give up the family home which they have worked so hard to maintain and keep.

Insurance against death isn’t the only form of protection we can help with.

Other areas of expertise include:

  • Income Protection
  • Key Man Protection
  • Critical Illness Cover
  • Business Loan Protection
  • General Household Insurance

If you’re over the age of 55, equity release offers you a way to use the value of your home to raise money.

It is advised that you seek Independent Legal advice before entering into a legally binding equity release contract.

Why do people consider Equity Release?
1. To provide an additional income
2. To provide lifetime gifts to relatives
3. For home improvements
4. For holiday home purchase
5. To fund long term care

Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.

Tax treatment varies according to individual circumstance and is subject to change