A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Who we are
Your Mortgage Experts is led by Luca Bertolino with more than 15 years experience in financial services and in the property market. Through Luca’s wealth of knowledge and expertise, Your Mortgage Experts have become a trusted adviser that clients have come to rely upon for all their mortgage and protection needs.
We chose to be an appointed representative within the Tenet Group, a leading financial advice network in the UK, and a company with real financial strength.
Whether you are a first-time buyer, or moving home, remortgaging, or investing in buy-to-let, at Your Mortgage Experts you will find an experienced and professional team at your service.
Our promise is that we will get you the best mortgage possible, with professional and impartial expert advice. We help you save time and money by focusing on lenders and providers whose underwriting criteria will suit you.
A mortgage is a big decision and a major commitment – 4 out of 5 people seek advice from a broker, and many come to Your Mortgage Experts for the quality of the advice and expertise brought to you by the team.
Securing a mortgage can often be a challenge and a very long-winded process. All this can add up to a lot of unnecessary stress and hassle.
At Your Mortgage Experts we will do all the hard work for you, from application through to completion. Because we search from across the whole of market, we are sure to find you the great deal that will suit your needs and circumstances.
If you go directly to a mortgage provider, you will only be presented with deals offered by that specific provider, so you can miss out on what else is out there. You may not also fit that lender’s criteria, so there is no guarantee that they will approve you.
In the unfortunate event that you are turned down, you could end up with a trail on your credit record, that could make it more difficult to get a future successful application with another lender.
Comparison sites are a tool to browse the best rates available in the market directly from mortgage providers. They cannot show you the deals that we have exclusively available through our network. Furthermore, the deals that they show you are not tailored to your unique circumstances. Most deals shown are only available to people who meet the strictest eligibility criteria - such as those with a large deposit, excellent credit score, and so forth. Furthermore, comparing a mortgage deal by looking at the headline rate is not the right thing to do, as mortgages also come with fees, that often time significantly add up to the total cost of a mortgage.
A comparison site cannot give you advice and cannot recommend you a mortgage. Mortgage advice is regulated by the Financial Conduct Authority. This means that only mortgage advisers, such as Your Mortgage Experts, can give you mortgage advice and recommend the most cost-effective product that will suit your needs.
At Your Mortgage Experts, we will look at deals from across the whole of market, and only present you with those deals that you are eligible for. We will recommend a product that will most suit your individual circumstances and needs. We will look at the “total costs” of the mortgage, and not just at the headline rate, and recommend the most cost-effective option for you.
Unlike a comparison site, we will also manage the whole process to apply and obtain the mortgage.
Estate agent brokers may have conflict of interest, in that they might put pressure on you to choose a mortgage that will let them push a sale through quickly, but that may not be completely right for you.
At Your Mortgage Experts, we only work for you with no conflict of interests, and we will look after you to protect your own interests and to build a long-term relationship, so that we may continue to serve you in the future.
First off, you will spend 20-30 minutes of your time with a mortgage advisor to run through a few questions, to establish your background and discuss your circumstances and preferences. And we will be happy to spend however long you need, to also help you with any questions you may have.
Next, we will search from across the whole of market to find the best mortgage rates and deal for you, across thousands of mortgage deals from reputable lenders. Our mortgage broker will approach those lenders that suit your needs, to ensure that you are eligible.
We will then present you with the most cost-effective recommendation for the way forward.
When you’re ready, we will need another 20 mins on the phone to complete any missing information. You will also need to provide some documents, to verify things like your identity and your earnings. Our mortgage specialist will then submit the full mortgage application for you.
Once the mortgage application is submitted, we will manage the process through to implementation, by liaising with the mortgage lender, handling any queries that the lender’s underwriter may have, and help steer the process to a successful completion for you.
We will update you on progress, and you will be able to contact us for any queries. at any stage.
In summary, Your Mortgage Experts will save you time, and hassle. And we save you money with our commitment to finding the very best mortgage deal for you.
We subscribe to, and abide by, a number of laws and regulations that exist for your protection, confidentiality, and security. These include:
You can find more information by visiting our Customer Charter and in our Terms of Business.
Your Mortgage Experts
28 Sutherland Avenue
London, W9 2HQ
Principal: Luca Bertolino
Telephone: +44 (0)207 438 2071 firstname.lastname@example.org
Email communications are not secure and for this reason Your Mortgage Experts cannot guarantee the security of the email, its contents or that it remains virus free once sent.
The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK
Your Mortgage Experts is a trading name of Gianluca Bertolino, an Appointed Representative of TenetLime Ltd, which is authorised and regulated by the Financial Conduct Authority.
TenetLime Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 311266.