Financial Advisor you can Trust
Whimsters Financial Solutions Ltd
Personal Finance & Protection
Whimsters Financial Solutions Ltd
Whimsters Financial Solutions offers mortgages to buy or refinance your home and insurance policies to keep it should you experience illness or diagnosis with a critical disease. We deal with the more difficult loans to place due to variable income sources and other complications, Equity Release, Buy-to-Let, First Time Buyer, Re-mortgage, and personal circumstances such as Company Director, Self Employed, Contractor, immigration issues such no infinite leave to remain, pre-settled or settled status.
We supply the correct blend of protection products to improve financial stability and alleviate immediate financial consequences in the event of serious illness and/or bereavement.
Whimsters Financial Solutions is a trading style of Excel 121 which is directly authorised by the Financial Conduct Authority and “whole of market” which means not restricted to a panel of lenders like many networks.
GOOD TO KNOW...
What is mortgage sourcing?
A mortgage is not a “one size fits all” product; borrowers have different requirements and varied circumstances. Brokers have sourcing tools for the loan and for criteria; and direct communication with lenders via the Business Development Manager. Sourcing tools point in a certain direction; the selection is based on the experience of the broker. The research produces more than one lender to choose from and the “best fit” is selected. Using a broker will be quicker, save time, make your search for a mortgage more targeted and cover a cross section of the market including lenders that are not household names.
Why consider protection?
If you do not insure against loss, financial loss is inevitable and will affect your life. Protection is challenging because there are several categories of cover, numerous options, and several providers, each slightly different. Brokers use sourcing tools identify the providers who will quote, and then identifies the “best fit”. This is often more than one cover and the different elements are designed to fit together like a jigsaw puzzle.
Criteria
At the end of the day its about criteria. Lenders advertise cheap rates but the devil is in the detail. Knowing which lender to speak to also helps. Lastly, persistence wins.