Mortgages

We have our own 'in house' independent mortgage advice service staffed by financial services professionals with 25 years experience serving the local community.

Our mortgage advisers are fully qualified and regulated by the Financial Services Authority and on hand to give you the professional and impartial advice you need to help you find the most suitable mortgage & protection package for your circumstances.

The Benefits of good and above all independent mortgage advice were proven recently, when research showed that purchasing you’re your mortgage through an independent financial advisor can save you on average £962 per year*.

What we do for you

We pride ourselves upon finding the most appropriate mortgage for you in the shortest possible time, plus making the experience as trouble-free as possible.

We understand that our clients are busy people who want the best mortgage deal. But with limited time on their hands, and an increasingly complex mortgage market, they need to turn to a name they can trust.

How we work

We will work with you to explain the entire mortgage & protection process together with all the costs involved and our dedicated admin support team will keep in touch with you from start to finish.

We offer

• A dedicated professional and fully qualified Mortgage Adviser.
• Flexible appointment to suit you the client.
• A dedicated administration team who will liaise with lenders, surveyors, estate agents and solicitors on your behalf.
• Exclusive deals not available direct from lenders.
• Advice on how to fully protect your home and your loved ones.
• As mortgage brokers we can view the UK market as a whole and even have access to specialist intermediary home loan products to source the best rate and most suitable mortgage deal that suits your circumstances.
• As advisors we can offer guidance, help and facts in calculating how much you could borrow subject to affordability and satisfying lenders income multiple and terms and conditions.
• We use specialist sourcing software and have information regularly updated to obtain the current lenders products available.
• We have access to home loan lenders who specialise in shared ownership mortgage, right to buy, adverse credit history, non standard construction, arrears, CCJs and missed payments.
• We are transparent about all services and costs and will guide you through the process of re-mortgaging or purchasing a new property logically, step by step, issuing you with paperwork and explaining details in an easy straight forward fashion.

Protecting Your Mortgage

By offering a broad range of insurance products, we can protect you, your family and your home. We can provide you with independent quotes for:

• life & critical illness cover
• buildings and contents insurance
• mortgage payment protection insurance
• income protection cover

Ongoing mortgage management

Our aim is to save you many thousands of pounds over the life of your mortgage, by offering an ongoing mortgage management service. As an ongoing service benefit, we will contact you as your mortgage deal comes to an end. We can then ensure you are aware of all the further mortgage options available and aim to help save you money by considering your re-mortgage options. This ensures that you continue to pay the most competitive rate available to you.

*(Source "The value of Mortgage Advice", Association of mortgage advisors / AMI, 2009)

Your home may be repossessed if you do not keep up payments on your mortgage

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on it.

Paul O'Keefe Associates Ltd
Registered Office: 3 Glendermott Road, Waterside, L'Derry, BT47 6BA
Registered In N.Ireland, No: 3670