Tailored financial advice for your mortgage & protection needs.
Whether you are first time buyers, home movers looking to purchase their dream home, or simply home owners researching your options at the end of your current deal.
Based in Lymm, Cheshire and covering the UK, RPC Financial Services work with a broad panel of lenders in order to provide you with the right mortgage for your individual circumstances.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Why choose us?
At RPC Financial Services, securing a mortgage means so much more than a faceless financial transaction. Here, you will be guided through the journey at a pace which suits you, allowing for any questions that you may have along the way.
We offer a professional, friendly and personal approach for our clients, making us a great fit for you, whether you are first time buyers, home movers looking to purchase their dream home, or simply home owners researching the market at the end of their current deal.
Our client-focused process
Keeping the journey as smooth and stress-free as possible is key.
Step 01
We understand that buying a property is one of the most significant events in many people’s lives and having a knowledgeable professional in your corner can be invaluable.
Step 02
We achieve this by maintaining clear and concise communication every step of the way, simplifying the process as required and mapping out the mortgage journey so that you won’t encounter any surprises.
Step 03
Allowing you to sit back, relax and trawl every home-deco magazine and retailer for your new home inspiration, now that’s stressful!
Protection
Purchasing a home is one of the largest expenses you will encounter in your lifetime. Complementing the mortgage aspect of our service, we can also offer advice on protection for both you and your family.
We can make arrangements to provide financial protection in the event of death, serious illness or even provide a replacement income if you are unable to work. We will guide you through the solutions relevant to your concerns in detail so that you can take the time to make an informed decision on what can be a sensitive, but very important matter for you and your loved ones.
Frequently asked questions
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The best time to start speaking to an adviser is as early in the homebuying process as possible. This will confirm your eligibility and affordability before you fall in love with your dream home. We can provide you with provisional approval of your ability to proceed before you start viewing properties.
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The documentation will vary from case to case but initially, you will need the following:
Proof of ID (Valid Passport or Driving Licence)
Latest 3 months payslips and most recent P60 (employed)
Latest 2 years SA302 and Tax Years Overviews (self-employed)
Latest 3 months' personal bank statements (employed) and latest 3 months business bank statements (self-employed)
Copy of your credit report
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A mortgage adviser works with you to help ascertain what type of mortgage you require, which lender to use given your circumstances, the term, fixed-rate period, repayment type, and much more. An adviser will provide expert guidance and handle your application directly with the lender on your behalf so that you don’t have to.
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The answer is, potentially yes. It would be important for us to discuss your situation transparently and fully understand the credit impairment. Some mortgage lenders will automatically reject certain credit issues, whereas others can be more understanding. It would be best to book in a meeting/call so that we can understand your circumstances so that we can guide you. We will work closely with you to ensure that you are with the most suitable lender, with the best rates available to you from the lenders we work with.
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There are no set timeframes for this, but typically you can expect a mortgage offer any time from 2 working days up to 4 weeks after submitting an application. This varies subject to case complexity, lenders speed of service, property valuation delays, documentation evidence requests from lenders, and more. At RPC Financial Services we will work quickly to ensure that this turnaround time is as swift and stress-free as possible.
Request a call back
Whether you are first time buyers, home movers looking to purchase their dream home, or simply home owners researching the market at the end of your current deal, get in touch with us today.
M: 07710 840 542
E: rick@rpcfs.co.uk
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