At Infinite Financial Services Ltd we believe in offering you a first rate face to face service, and the assurance that you are receiving the most suitable advice which has been tailored to your individual needs, whilst ensuring that we have listened to your requirements. Our aim is to help clients achieve security and peace of mind by offering Whole of Market mortgage advice with an honest approach.
Our expertise and knowledge extends to more than 40 years of combined industry experience. We offer products from the whole of the mortgage market including exclusives deals available only to members of our network Quilter Financial Planning. We also offer a full range of insurance services from a panel of lenders to suit your every need, whether it be to protect your home, life or business should the worst happen.
Our expertise and knowledge extends to more than 40 years of combined industry experience. We offer products from the whole of the mortgage market including exclusives deals available only to members of our network Quilter Financial Planning. We also offer a full range of insurance services from a panel of lenders to suit your every need, whether it be to protect your home, life or business should the worst happen.
Services
Find out about our professional and experienced team - who they are, how they can help you and how you can contact them. Ian and Farzad set up Infinite Financial Services Ltd in 2010. Ian has worked in the financial services industry for the past 25 years, the last 20 of which specialising as a mortgage and protection advisor.
A mortgage is a 'secured' loan, which means that the loan is secured against the property being purchased until the mortgage is paid off. Sources of residential mortgages include high street banks, building societies and other types of less well known financial institutions. Mortgage providers follow a set of rules and procedures when deciding whether or not they will agree to provide a mortgage to purchase a residential property.
Once your mortgage application has been accepted in principal, you may have the option of deciding how you repay the loan: on a 'repayment' basis, or on an 'interest only' basis. With a repayment mortgage your monthly repayments cover both capital and interest on the loan.
As the term continues, the amount outstanding on the loan reduces so the full amount of the loan will have been repaid at the end of the term as long as you have made all your payments on time.No other repayment vehicle is needed and it avoids the risk of investing (e.g. in the stock market). If you remortgage, you may be tempted to extend the end repayment date in order to lower your monthly payments.
As the term continues, the amount outstanding on the loan reduces so the full amount of the loan will have been repaid at the end of the term as long as you have made all your payments on time.No other repayment vehicle is needed and it avoids the risk of investing (e.g. in the stock market). If you remortgage, you may be tempted to extend the end repayment date in order to lower your monthly payments.
The prospect of buying your first home could be both daunting and confusing. Our aim is to guide you through the process from start to finish so that you understand exactly what the purchase entails and how much it will cost. The mortgage market changes all the time, not just in terms of mortgage deals and regulation but also in the way lenders assess loan applications.
Whether you are looking at consolidating your debts, raising money for home improvements, looking for a better monthly payment than you currently have, or want to restructure the terms of your current loan, we can help. Remortgaging can help your financial health in many ways. In simple terms, remortgaging involves moving your current mortgage to a new arrangement, arranged either with your existing lender or with a new lender.
Reviews (6)
Donna Waite
Oct 16, 2021
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We were referred to IFS through Longsands Lynx Football Club, and we were not disappointed with the service provided. Ian and Faz were fantastic - they really did pull out all the stops to assist us with a fairly complex, and very stressful mortgage application. In fact, they went above and beyond the call of duty. They even downed their golf clubs during a team building exercise in order to help us. We really cannot recommend Infinite Financial Services enough. We would 100% use them again. Thank you so much for all your help.
S. Griff
Feb 14, 2021
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Vicky Kinsley
Nov 27, 2020
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Thank you so much to Ian and Lee at Infinite Financial services for all of the help and support during my recent remortgage. I have used the company before and found the service was still friendly, prompt and thorough. I will definitely recommend them to friends and family and will be back when my current mortgage plan has ended. Thanks again!
Lawrence Silvester
Aug 15, 2020
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Infinite Financial Services have been incredible, and a special mention to Natalie that has been invaluable throughout the process.
They genuinely cared, and did what was in my own best interest. I was kept up to date, and the customer service was impeccable.
Will be recommending to friends and family. Thank you
They genuinely cared, and did what was in my own best interest. I was kept up to date, and the customer service was impeccable.
Will be recommending to friends and family. Thank you
R. Asl
Aug 05, 2020
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Ausrine Radzeviciute
Oct 15, 2019
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Absolutely amazing service from Ian and his team! Very fast and efficient, helped me so much - as a first time buyer I had no clue about the whole process, so having the guys help me through the mortgage process was fab! If only everyone in the house buying process was as efficient as Ian and his team!
Couldn't recommend enough!!!
Couldn't recommend enough!!!
