Your Mortgage, Made Simple. Expert Advice Without the Stress
More Than just a Mortgage - A Partnership You Can Trust
At Premier Financial Services, we know that finding the right mortgage is about more than just a rate, it’s about your future. Whether you’re stepping onto the ladder for the first time, moving home, or looking to save on your monthly payments, we provide the expert, jargon-free guidance you deserve.
As whole-of-market specialists, we don't work for the banks; we work for you.
Why Choose a Mortgage Advisor?
You might wonder, "Do I really need a mortgage advisor?" The answer is almost always yes.
A professional advisor helps you understand your borrowing options and assists with the entire application process. We save you significant time and money by project managing the transaction, answering your questions, and resolving problems before they escalate. Applying through an independent advisor is typically much faster and more effective than going directly to a single financial institution.
Our commitment to clients includes:
- Mortgage advice and support available anywhere in the UK
- Same-day telephone appointments and borrowing agreements
- Tailored solutions based on your individual circumstances
- We complete your mortgage application on your behalf
- Help with bad credit mortgages and complex situations
- Guidance from later life lending specialists, including Equity Release
- Support with family protection via life and critical illness cover
- Fast, friendly service that banks and comparison websites simply can’t match
We’re motivated to help you meet your goals and timeframes, offering a level of personal service that prioritises your financial wellbeing from start to finish.
Ready to Save? Stop Guessing with Your Remortgage
Is your current deal coming to an end? Don't let your bank "roll you over" onto a higher rate. With over 3,000 products available, the "best deal" is a moving target.
With 20 years of experience, we do the heavy lifting. We compare interest rates, setup costs, and monthly payments, presenting them in plain English. No jargon. No hidden fees. Just expert advice, free of charge.
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Taking
the stress
out of buying
a home
Later Life Lending & Equity Release
For those later in life, unlocking the value tied up in your home can provide much-needed financial flexibility. But how does equity release work, and is it right for you?
What is a Lifetime Mortgage?
A lifetime mortgage is the most common form of equity release. It is a loan secured against your property for homeowners aged 55 or older. Unlike a traditional mortgage, you retain full ownership and typically do not have to make any compulsory monthly payments.
Instead, the interest is "rolled up" (added to the loan), and the mortgage is repaid when the property is sold—usually when you pass away or move into long-term care.
Your Equity Release Questions Answered:
- Is it a good idea? Lifetime mortgages are an excellent solution for many who want to raise cash without monthly obligations. However, they aren't right for everyone. It is vital to consult a qualified advisor to weigh the pros and cons.
- Is equity release safe? Yes, provided you use a reputable provider that subscribes to the Equity Release Council code of conduct. This ensures safeguards like the "No Negative Equity Guarantee," meaning you will never owe more than the value of your home.
- How much can I borrow? There is no income requirement. The amount is based on your age and property value. At age 55, you can typically release 20% of your home's value, increasing to around 50% for those aged 80+.
Visit Our Wokingham Office – Local Advice, National Reach
While we help clients across the UK, our heart is in Wokingham, Berkshire. We believe some conversations are best had face-to-face.
If you live in Wokingham, Bracknell, or Reading, skip the comparison sites and the bank queues. Join us at our local office for a coffee and a conversation about your future. We’re right on your doorstep, ready to help you take the next step with confidence.