With so many mortgage products in the market it can seem difficult to pick the right one. We can help you find the right mortgage product to suit your needs whether you are remortgaging, buying a new home or considering buy to let. We use accurate and up to date mortgage sourcing software to help you choose the most appropriate mortgage product.
Our adviser Emma has many years experience in the mortgage market and will be happy to guide you through the entire process. Are you paying too much for your mortgage? Does your current deal not suit your budget or circumstances? Looking for a cheap mortgage deal? We will assist with finding a suitable deal for you based upon your needs, circumstances and preferences.
Our adviser Emma has many years experience in the mortgage market and will be happy to guide you through the entire process. Are you paying too much for your mortgage? Does your current deal not suit your budget or circumstances? Looking for a cheap mortgage deal? We will assist with finding a suitable deal for you based upon your needs, circumstances and preferences.
Services
Our adviser Emma, has over 20 years experience in the mortgage market having been employed in underwriting and business development roles by Principality Building Society, NatWest and GMAC RFC. Formed in 2009 and based in Radyr, Cardiff we offer friendly unbiased mortgage advice and if you would like to discuss your requirements further please telephone or email Emma using the details shown below.
Mortgage advice, from a reputable independent broker like Higginson Mortgage Services can be an invaluable service - and here's why. Higginson Mortgage Services Ltd is an appointed representative of TenetLime Ltd, which is authorised and regulated by the Financial Conduct Authority.
Our adviser Emma has obtained the Certificate in Mortgage Advice and Practice (CeMAP) and the Advanced Certificate in Mortgage Advice and Practice ensuring that you receive the right advice at all times.Brokers like us have access to exclusive mortgage rates which you won't find on the high street.
Our adviser Emma has obtained the Certificate in Mortgage Advice and Practice (CeMAP) and the Advanced Certificate in Mortgage Advice and Practice ensuring that you receive the right advice at all times.Brokers like us have access to exclusive mortgage rates which you won't find on the high street.
Fees may vary depending upon the complexity of your requirements, but these will be agreed with you in advance and detailed clearly in our client agreement. If you choose to proceed with our recommendation and your mortgage goes ahead, we will also be paid commissions from the lender for arranging the mortgage on your behalf.
A remortgage involves switching to another deal and normally to a different lender. Remortgages can be used for various reasons and most people simply switch mortgages because it will work out less expensive for them. For example, the introductory discounted interest rate may have finished with your current lender; therefore you could get a discount, or a lower interest rate with another lender.
So, your mortgage has been sorted out but what would happen if you lost your job, became ill or god forbid you or your partner died? How are you going to be able to meet your monthly mortgage repayments or pay off the balance outstanding? Term assurance is designed to pay a lump sum if death occurs during the policy term.
Reviews (5)
Jen Db
Sep 02, 2021
Report
Emma, as always, was amazing. We’ve honestly found her the biggest help whenever our renewal is due. She goes above and beyond to get the best deal possible for us and makes the whole situation a lot easier and a lot less stressful. I know we’re in good hands when we leave it all to her. Highly highly recommend her and will definitely be in contact with her when our next renewal is due!! Thanks so much Emma!
Hannah Pinches
Mar 31, 2021
Report
Amelia Griffiths
Mar 18, 2021
Report
Jane Wilks
Sep 24, 2020
Report
Positive: Professionalism, Quality, Responsiveness, Value
Emma was a star from start to finish offering us comprehensive advice, patiently answering all of our queries and explaining the ins and outs of the mortgages that were the best fit for us. Friendly, professional and responsive. Very happily recommend Emma's advice.
Emma was a star from start to finish offering us comprehensive advice, patiently answering all of our queries and explaining the ins and outs of the mortgages that were the best fit for us. Friendly, professional and responsive. Very happily recommend Emma's advice.
Sabine Williams
Sep 12, 2020
Report
Emma originally helped us when we moved house 5 years ago. We thought she was very efficient , professional and easy to deal with. We kept her contact details and used her services again this year to buy a flat as an investment. Emma's efficiency was key again to get things moving very quickly and she provided us with valuable advice. One thing that also made us go back to her is that she provides very regular updates. Moving home or buying/selling a property are stressful times and having regular contact from Emma to keep us up to date with progress was great and made the process a lot less stressful
