First Rate Loans - Home Customer Charter
 
About Us
We are a professional firm of whole of market mortgage brokers and we take pride in the fact that our directors personally advise all of our clients and they also manage the progress of all applications. We really do put you first at First Rate Loans.
 
About First Rate Loans
 
Our Experience
First Rate Loans is a trading name of Affordable Finance Limited. Our Business was formed by our two directors who between them have more than 50 years experience in the personal finance sector. You can be confident that you will benefit from our great experience in helping you to get the best deal to suit your circumstances.

Our Expertise
Having worked for some of the UK’s largest high street and specialist lenders, we understand that each and every one of our clients is unique. Our comprehensive knowledge of personal finance products and services means that we can help most clients and we specialise in the provision of mortgage advice and the associated areas of home insurance, income protection, mortgage protection, private medical and mortgage life cover. We can help whatever your financial requirements may be. You will profit from our in-depth understanding of the marketplace. We are dedicated to providing you with access to a whole of market range of market-leading products to meet your needs.

Our Service
We offer our clients’ comprehensive whole of market mortgage advice which means you will get the most suitable mortgage to match your needs. To give you the best mortgage advice we conduct a full fact find and present you with our recommendations for the most suitable options. This will include advising you on the most suitable and affordable means of protecting your loved ones and your most valuable assets, namely your family, health, income, home, mortgage and personal possessions.

Following completion of the fact find we will conduct whole of market research in order to identify the mortgage products which most closely match your needs.

Should you accept our recommendations we will take responsibility for dealing with the application process on your behalf in order to efficiently arrange your mortgage. This includes completing all application forms and collating supporting documentation. We will submit your applications to the selected lenders/intermediaries/product providers. We will liase with third parties including lenders, insurers and surveyors and we will continue to progress chase your application at all key stages, through to completion.

We will keep you informed and updated on your applications progress at all key stages.

We believe that our service to you should extend beyond the completion of your mortgage or loan. Accordingly we will offer you an annual review of your mortgage and associated financial arrangements in order to ensure that your financial solutions continue to be suitable for your needs and circumstances.
Our Commitment to you:
  • We put you first
  • We work on your behalf and not the lender
  • We provide whole of market mortgage advice to get you the most suitable and affordable products
  • We will liaise with all third parties including lenders and surveyors to save you time whilst arranging your mortgage
  • We will keep you informed and updated at all the key stages
  • We will advise you on the best way to protect your family, income, home and mortgage
  • We will offer you an annual financial review service following completion of your mortgage or loan
  • We will always deal with you in a professional and empathetic manner
  • Your personal data will be respected and safeguarded at all times
We can advise you on a wide range of financial solutions Including:
  • Mortgages and Remortgages
  • Home, Life and Protection Insurance
  • Valuations and Surveys
  • HIPs
  • Fixed price conveyancing
  • Homeowner loans
  • Secured loans
  • Unsecured loans
  • Tenant loans
  • Commercial loans
  • Bridging loans
  • Debt solutions

First Rate Loans is a trading name of Affordable Finance Limited. Affordable Finance Limited is an Appointed Representative of Pink Home Loans. Pink Home Loans is a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Services Authority.

The Financial Services Authority does not regulate some forms of buy to lets, commercial loans, unsecured loans, secured loans, bridging loans, debt consolidation and conveyancing.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

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