Mortgage Advice
You Can Trust
At Patrion Limited, we offer mortgage advice that’s built around you — your finances, your plans, and your peace of mind.
Our role is to simplify the process, explain your options clearly, and help you make decisions you feel good about, whether you’re buying a home or investing in property.
Find out how we can help
Hello mortgage!
Property Finance
Whether you’re buying your first home, moving, remortgaging or investing in buy-to-let, we’ll help you secure the right mortgage for your circumstances.We provide independent, whole-of-market advice and work with employed, self-employed and limited company applicants.
Beyond securing a competitive rate, we ensure the mortgage is truly suitable for you and advise on any protection or insurance that may be appropriate for you or your property.
Insurance
While no one likes to think about being injured, getting seriously ill or passing away, it is important to think about the consequences if you have a partner, dependants or a mortgage.
Financial protection is an integral part of your financial plan. We can help to provide peace of mind for you and your family.
The experience
We focus on your homeownership goals rather than just selling mortgage products. By understanding your objectives, we create a mortgage plan and review it regularly to keep you on track.While every clients brief is unique and our advise bespoke to you, the client journey often takes a similar path
Initial Conversation
Our first meeting is a chance for both of us to get to know each other and start to understand your objectives and values. This will also give you an opportunity to see how we work. We’ll also provide details on likely fees and next steps.
Presentation
You will receive a visual presentation of your property ownership goals, in which various ‘what if’ scenarios will be considered. This will allow you to see your financial life with complete clarity. The ‘what if’ scenarios will help you understand the effects of our recommendations. At the end of this session, we will agree the best way forward
Discovery
Next, we’ll get into the specifics. We’ll gather as much information as possible about your financial life and talk in detail about your objectives, both of which will help us to develop your financial plan.
Detailed Proposal
You will then receive your detailed plan. It will outline the risks faced and the costs involved and should allow you to make an informed decision
Analysis and Research
We will gather data on any existing financial products and arrangements you hold. We’ll analyse your cash Cow and assets to build a complete financial planning model of your life.
Implementation
A plan is only as good as its implementation. We will deal with the documentation and put in place any recommended products while keeping in touch to update you on the process. Where necessary, we’ll collaborate with any other professional advisers, including solicitors, and accountants.
Ongoing Advice
We want you to be clear that, as far as we are concerned, the setting up of your mortgage arrangement is only the first step. This is why we have an annual review process, and make the necessary changes when they are needed. All meetings are followed with a formal report providing updates and advice as needed.
We may recommend some of the following policies:
Life Insurance
Get the peace of mind that your family will protected and can stay in your home if the worst happens. Includes term insurance, whole of life, family income benefit and mortgage protection.
Income Protection
To provide a replacement income if you are incapacitated and unable to work due to illness or accident.
Critical Illness Protection
Ensures that financial support is available if you’re seriously ill. Usually via a lump sum.