ICF Financial Services

01482 638 300

Broaden your financial horizons

Mortgages

Our residential mortgage service offers professional advice on the whole of the regulated lending market for owner occupied properties (and where semi-commercial properties become covered by mortgage regulation).

Residential Mortgages

Our residential mortgage service offers professional advice on the whole of the regulated lending market for owner occupied properties (and where semi-commercial properties become covered by mortgage regulation). Given that a mortgage is likely to be your largest single commitment, it is always wise to use a broker in this marketplace as there are a bewildering number of lenders and schemes to choose from and so accepting a helping hand with the process can generate significant savings for you.

We offer advice on the regulated mortgage market for:

  • Mortgages for house purchase
  • Remortgage for better rates
  • Remortgage for capital raising including:
    • home improvements;
    • business purposes;
    • debt consolidation *
  • Lifetime mortgages (age conditions may apply) **

we can also provide access to:

Our aim is to provide practical help in choosing the most suitable mortgage products with a friendly and efficient service. We will help you find and select the most suitable product and lender for your circumstances supported by the latest technology and specialist mortgage sourcing software.

Where your borrowing requirements are business related our services include a full suite of commercial finance solutions.

Paying for our services

We do not normally charge for our initial assessment of your needs. At the point where we undertake to make an application for funding on your behalf a fee will become payable towards our costs incurred for the application. This will be advised in advance and is non-refundable. The remainder of our remuneration generally is met by commission paid upon completion of the deal. If this is not the case, or there are additional costs to be met by you, will be agreed between us in advance.

Call us on 01482 638300, or email chris@icf-fs.co.uk to discuss your needs

* Think carefully before securing other debts against your home.

** To understand the features and risks of a Lifetime Mortgage please ask for a personal illustration.

Your home may be repossessed if you do not keep up repayments on a mortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances but we estimate that it will be £249.

ICF Financial Services Ltd is a Credit Broker and not a lender and any fees are charged solely for Credit Broking Services, not lending services.

We're on your side

Our staff are committed to your needs and will work tirelessly on your behalf in order to get the best deal available for you. We will work with you to anticipate your future requirements and will search for the best available lenders from the residential market and where appropriate via our mortgage sourcing systems.

We will also guide you through the process - from application to drawdown - and liaise as required with both you and any other interested parties to the transaction, such as lenders, surveyors and solicitors.

Our lending processes integrate seamlessly with our Independent Financial Adviser team too, to ensure that your associated insurance needs are assessed as part of the process. As well life insurance, we can explain and quote for other important insurances such as critical illness cover, income protection and payment protection insurance – we also have an adviser who can help with the basic essentials, such as buildings and contents insurance.

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Get in touch

ICF Financial Services
2 Redcliff Road,
Melton, East Yorkshire,
HU14 3RS

Tel: 01482 638300
Fax: 01482 638302

ICF Financial Services/Alan Bell Mortgages
58 Flamborough Road,
Bridlington,
East Yorkshire, YO15 2JN

Tel: 01262 213333
Fax 01262 333471

ICF Financial Services
Medina House,
2 Station Avenue,
Bridlington, YO16 4LZ

Tel: 01262 602456
Email: info@icf-fs.co.uk