The guidance and/or advice contained within the web site is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

For consumer information from the F.S.A. please click onto this link www.moneymadeclear.fsa.gov.uk

HOW CAN YOU THE CUSTOMER AIM TO GET THE BEST MORTGAGE ADVICE AVAILABLE?

• Bank and Building Societies recommend their own mortgages which could restrict you from getting a much better deal elsewhere.
• Some Mortgage Advisers will be independent for mortgages but offer mortgage protection products from a limited number of providers.
• One way to know you are getting the best deal is to consultant an Independent Mortgage Adviser such as John Francis ( Wales) Ltd.

HOW DO I KNOW JOHN FRANCIS ( Wales) Ltd. ARE INDEPENDENT?

• Because John Francis ( Wales) Ltd. offer products from the whole of market and also offer a pure based option.
• John Francis is a trading name of John Francis ( Wales) Ltd which is Authorised and Regulated by the Financial Services Authority Registered Number 305327. To check register click www.fsa.gov.uk/register
• Under the Financial Services Authority regulations, you may obtain our advice free of charge (as mortgage lenders and protection providers pay us) or you may chose to pay us a fee and in which case we will not received these fees from lenders or providers.
• To arrange an appointment, or simply discuss your requirements over the phone, please contact our nearest office. Contact details are available by placing your cursor over an office address on the map on our home page.
• There may be a fee for mortgage advice, the precise amount of the fee will depend upon your circumstances but we estimate that it will be £500

John Francis is a trading name of John Francis ( Wales) Ltd which is Authorised and Regulated by the Financial Services Authority Registered Number 305327. To check register click www.fsa.gov.uk/register

John Francis ( Wales) Ltd is a Private Limited Company, Registered in Wales 3802479 Registered Office 18 Lammas Street, Carmarthen, SA31 3AJ

Registered for VAT Number 74155730

 

There may be a fee for mortgage advice, the precise amount of the fee will depend upon your circumstances but we estimate that it will be £500

 

BUDGETING ADVICE AND MORTGAGE ADVICE

What is it?

As part of our service to you as a buyer or a seller we offer free budgeting advice to ensure that you know the costs including, if necessary, the amount of mortgage you can obtain.

How much does it cost?

Our budget advice is absolutely FREE to all our buyers and sellers. We can also provide you with an illustration as to the type of mortgage best suited to you and is available at the time. All advice is given without any obligation. Please note that as an independent advisory service we offer products from the whole mortgage market and if you so wish you may choose to pay, by a fee, for this service.

Who is it for?

Even the most experienced buyer is not always aware of the different mortgage packages that are available! This advise service is available to all buyers and sellers.

Do I have the best mortgage deal?

With thousands of mortgages available on the market, it can be a daunting task finding the deal that's right for you. Our mortgage sourcing system can take the hassle and worry out of arranging your mortgage – aiming to find the mortgage most suited to your needs. We have access to virtually the whole lending market - including deals not available on the high street.

If you have an existing mortgage, it's worth finding out whether you could save money on your monthly mortgage payments by finding a better deal.

 

REPAYING YOUR MORTGAGE

Not only do we provide you with advice on securing the best mortgage for you, we can also give you access to advice on the best way of repaying that mortgage.

There may be a fee for mortgage advice, the precise amount of the fee will depend upon your circumstances but we estimate that it will be £500