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Whatever your plans we’ve got you covered

What types of mortgage services do you offer?
We offer a wide range of mortgage services, including residential mortgages, buy-to-let mortgages, remortgaging options, and holiday let mortgages. Our team works closely with clients to find the best solutions tailored to their specific needs.
How do I know if I'm eligible for a mortgage?
Eligibility typically depends on several factors, including your credit score, income, employment status, and the amount of your deposit. We can assess your financial situation and guide you through the eligibility criteria during a consultation.
What is the difference between fixed and variable interest rates?
A fixed interest rate remains constant throughout the mortgage term, providing stability in monthly payments. In contrast, a variable interest rate can change based on market conditions, which may lead to fluctuating monthly payments. We can help you determine which option is best for your financial goals.
How can I improve my chances of getting approved for a mortgage?
To improve your chances, ensure your credit report is in good shape by paying off debts, making timely payments, and avoiding new credit applications before applying. Additionally, having a larger deposit and stable employment can positively impact your application.
What protection services do you provide in addition to mortgages?
We offer a comprehensive range of protection services, including Life Insurance, Critical Illness Cover, Income Protection, Business Protection, and Accident, Sickness, and Unemployment Cover. These services help safeguard you and your family against unexpected events.
How long does the mortgage application process typically take?
The mortgage application process can vary, but it generally takes between 4 to 8 weeks from application to completion. Factors such as lender responsiveness and the complexity of your financial situation can affect this timeline. Our team will keep you updated throughout the process.
What documents will I need to provide for my mortgage application?
Commonly required documents include proof of identity (such as a passport), proof of address (like a utility bill), payslips or tax returns, bank statements, and details of any existing debts. We’ll provide a comprehensive checklist to ensure you have everything needed for your application.
Can you help me with remortgaging my existing property?
Absolutely! We specialise in remortgaging and can guide you through the process of refinancing your existing mortgage to secure better rates, access equity, or change your mortgage terms. Our team will assess your situation and recommend the best options for you.

Contact Us
Chestnut House, 65a Friar Gate, Derby DE1 1DJ

Office Hours
Monday – Friday: 9.00am – 5.00pm

Breeze Financial Solutions Limited is an Appointed Representative of Mortgage Force (UK) Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA FRN: 578152

Registered Office: Stirling House Church Road Wombourne Wolverhampton WV5 9DJ. Registered in England & Wales Number: 07920887

Important Considerations

Your home or property may be repossessed if you DO NOT keep up repayments on your mortgage or other loans secured upon it.

Consider your options carefully before securing other debts against your home. While extending the repayment period may lower your monthly payments, it could result in a higher total interest cost over the life of the loan.

There may be a fee for arranging your mortgage. The actual amount you pay will depend upon your circumstances. We will inform you how much this will be after the initial discussion. The fee may be up to 1% of the mortgage amount with £195 payable on application and the balance on completion.

Some mortgage deals such as Buy to Lets, Commercial and Development finance are non-regulated mortgages, and the protection afforded to regulated mortgages does not apply. Ask your adviser for more details as to how this may affect you.

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