About

Total Home Loans Mortgage Team are experienced professionals who between them have a wealth of experience within the mortgage and financial services.

We guide our clients carefully through the whole mortgage process by getting to know our clients as friends so that we are able to help them find the right products to suit their individual circumstances. We also make ourselves available to our valued clients outside of normal office hours to offer a complete service that our clients really appreciate.

About Total Home Loans

Total Home Loans are a national Mortgage Brokers with Whole of Market Access, which enables us to find mortgage products to suit almost every set of circumstances. Our extensive knowledge of both the industry as a whole, and each lenders’ range of products, allows us to find you the right products and to give you advice and a recommendation as quickly and efficiently as possible.

We are particularly welcoming of those clients who believe that they cannot obtain a mortgage offer due to their credit status, income, age or any other concern. We would ask that you let us assess your circumstances and requirements so that we are better placed to help you achieve your mortgage needs.

We offer end to end support throughout the mortgage application process and beyond and we have helped many of our clients with their different mortgage and protection needs like :

• Self-Employed
• Contractor
• Right to Buy / Shared Ownership
• Buy To Let
• First Time Buyers
• Remortgages
• Low Credit / Adverse Credit
• General and home insurance
• Life assurance and Critical Illness cover
• Income protection (out of work cover)

We can also refer you to our Master Broker Panel who can help you with :

• Secured Loans
• Semi Commercial / Commercial / Bridging loans
• Equity Release

And we can also refer you for Pension Advice.

Total Home Loans Ltd are an appointed representative of Quilter Mortgage Planning Limited, which is authorised and regulated by the Financial Conduct Authority.

Most buy-to-let mortgages, commercial bridging loans and commercial mortgages are not regulated by the Financial Conduct Authority.

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

Our Clients

Whilst there is no one typical client, we find that many have struggled to obtain a suitable mortgage offer in the past. This could be for a variety of reasons such as age, credit status, income and deposit availability.

Our advice and recommendation services are available to all, no matter what your situation is, however, we do pride ourselves on being able to help those clients with less straightforward circumstances to find a product suitable for them.

We often receive cards and gifts from our happy customers, many of whom are repeat clients. We love the fact that much of our business is through recommendations from clients that we have helped and their friends and families.

Our fees

Our initial assessment and consultation period is completely free of charge and there are absolutely no up front costs for our advice and recommendation.

For Mortgages we charge a typical fee of up to 2% of the total loan amount, this is only payable upon successful completion of the mortgage. We do not charge a fee for giving advice or recommending any protection, assurance or insurance products