If you want expert and impartial mortgage advice. Whether you want to buy your first home, move to a new one, re-mortgage your current one, or invest in a buy-to-let property, we promise to recommend the right mortgage for you.
We are a team of experienced and qualified mortgage advisers
and work from a comprehensive panel which is representative of the whole of the market, including specialist lenders who deal with unusual cases and bad credit. We will take care of everything for you, from finding the right lender and product, to filling out the paperwork and working with solicitors and surveyors.
We can give you honest and reliable advice on the best mortgage options for you. We will also compare the pros and cons of different mortgages, considering fees, interest rates, features and flexibility.
We understand that applying for a mortgage can be daunting and confusing, especially in today’s competitive and complex market. That’s why we are here to make it as simple and smooth as possible for you. We will answer all your questions, explain everything clearly, and keep you informed throughout the process.
We offer a free initial consultation, where we will review your needs and circumstances, and tell you how
much you can borrow and what kind of mortgage you can get. We will also tell you how much our fee will be if you choose to go ahead with us. You are under no obligation to use our services after the consultation.
So if you want a professional and friendly mortgage advice service that puts your interests first, get in touch with us today. We would love to hear from you.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
We love our customers, so feel free to visit during normal business hours or if easier we can arrange a online virtual meeting. (Note, by clicking on ‘WhatsApp’ you will be taken to a 3rd party website).
Unit K, Radford Business Park, Radford Way, Billericay, Essex, CM12 0BZ, United Kingdom
Open today | 09:30 – 17:00 |
The Mortgage Market has become more and more complicated in recent years. With over 20 years experience. The team at ILH will be able to navigate their way to the best option for your situation.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
ILH will offer a full review of your Mortgage Protection. We feel it's our duty to make sure that you and your family have the correct protection in place to protect your family should the worst happen. Peace of mind is priceless.
Buildings and Contents insurance is a minefield. With lots of options available getting the correct policy takes time and knowledge. At ILH we take the time to make your home you have worked hard for is protected.
Please reach us at admin@ilhfinancial.com if you cannot find an answer to your question.
When you apply for a mortgage, you will need to provide some information and documents to support your application, such as proof of identity, proof of address, proof of income, bank statements, and details of any existing debts or financial commitments. You should have these documents ready for your mortgage appointment.
The amount of money you can borrow depends on various factors, such as your income, expenses, credit history, deposit, property value, and the lender’s criteria. Generally, lenders will use a multiple of your income or an affordability assessment to determine how much you can borrow. You should speak to an independent broker to find out how much you can borrow.
Having bad credit may make it harder to get a mortgage, but it does not mean it is impossible. Some lenders may still consider your application if you have a low credit score or a history of missed payments, defaults, CCJs, or bankruptcy. However, you may have to pay a higher interest rate or a larger deposit than someone with good credit. You may want to consider an experienced Mortgage Broker such as ILH, who can help you find lenders for your bespoke circumstances.
ILH financial Limited are an appointed representative of Primis Mortgage Network, a
trading name of Personal Touch Financial Services Limited. Personal Touch Financial Services Limited is authorised and regulated by the Financial Conduct Authority.
We are committed to providing a professional service to all our customers.
If you are unhappy then we want to hear about it so we can try to put things
right. With this in mind, we have the following complaints procedure in place.
You can make a complaint by any reasonable means including telephone, letter, or
email.
Our contact information: admin@ilhfinancial.com
• Write to: ILH financial Suite L, Radford Business Park, Radford Way, Billericay, Essex CM12 0BZ
• Telephone: 07782140378
• Email: admin@ilhfinancial.com
If you prefer, you can also refer your complaint to PRIMIS directly using the following
contact details:
• Write to – PRIMIS Mortgage Network, Customer Resolution Team, Ground
Floor, Birmingham Business Park, B37 7YT.
• Telephone: 0121 767 1139
• Email: complaints.solihull@primis.co.uk
You can also complain via their website:
• https://www.primis.co.uk/privacy-notices/complaints/
The same section of the website contains more information about PRIMIS’ role in
complaints handling and about how Appointed Representative relationships work.
Simplified Complaints
We will use this process if:
• your complaint is about a simple matter - that we can look into and solve
quickly and easily; and
• you direct it to us (rather than directly to PRIMIS Mortgage Network) in the
first instance.
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We will investigate your complaint and aim to resolve it within three business days
following the date of receipt. If you are happy to accept our proposed resolution, we
will send you written confirmation of our investigation.
If you cannot confirm acceptance by the end of the third working day (for example –
because you are not happy with our proposed response or if you are not available to
discuss it with us) then the case will be referred to PRIMIS Mortgage Network. It will
then be handled in line with the Formal Complaint process outlined below.
If your complaint is more complex or is unlikely to be resolved quickly then we will
usually refer it to PRIMIS straight away
The formal complaints process will be used where:
• we can’t resolve your complaint to your satisfaction within 3 working days: or
• your complaint is likely to involve more complex assessment or investigations;
or
• you send your complaint directly to PRIMIS Mortgage Network rather than to
us in the first instance; or
• you ask us to deal with your complaint in this way rather than via a simplified
process.
Upon receipt PRIMIS will acknowledge your complaint promptly and will investigate it
fairly and impartially. They will write to you within 8 weeks to confirm the outcome of
their investigation.
In the unlikely event that their investigation is not complete within eight weeks of
receipt of your complaint they will write to you to explain why and let you know when
you can expect to hear from them. They will also provide details of how to contact
the Financial Ombudsman Service if you are not satisfied with progress.
If, following PRIMIS’ investigation you are still not happy with the outcome you have
a statutory right to refer your complaint to the Financial Ombudsman Service
It is a service free of charge to consumers and you may refer the matter to the
Financial Ombudsman Service (FOS) within six months from the date that you
received a final response to your complaint.
You can contact the service using the following details:
Telephone 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk
You can also visit their website and refer complaints to them online by visiting.
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We are committed to providing a complaints service that is accessible to all our
customers.
If you will have any difficulties with any elements of the process that is outlined
above, or if there are circumstances that might mean we need to change the way in
which we handle your complaint then please let us know when you tell us about your
complaint.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
- ILH Financial Limited is an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority.
-The guidance and/or information contained within the website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.
- Registered office address - Suite L, Radford Business Centre, Radford Way, Billericay, Essex, CM12 0BZ
-Registration number - 07242866
-Registered in England and Wales
-Trading address – Suite L, Radford Business Centre, Radford Way, Billericay, Essex, CM12 0BZ
- We may charge a fee of up to £599. In addition we will also be paid a procuration fee from the lender.
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