CPT Mortgages

Mortgage and Protection advice

There’s plenty to think about when choosing the right mortgage – it’s not quite as simple as just opting for the cheapest rate. We take your whole circumstances into account when recommending the ideal mortgage for you.

We work with more than 100 banks, building societies and lenders with differing rates and lending criteria. Effectively, we’re a bit like a comparison website for mortgages: we’ll do all the leg work for you in finding an appropriate mortgage for you and your circumstances. By comparison, a bank will only be able to offer you their mortgage rates and none of their competitors’ lending rates. Websites may only show you the lowest rates not the true cheapest cost.

We help clients at all stages on the homebuying journey, from first-time buyers, to those sizing up as their family grows, clients looking to buy property for investment, clients wishing to sell up and start a new idyllic life by the sea in Devon and Cornwall, and those considering downsizing during retirement.

Whatever your needs, we are here to support you and help you achieve your goals.

Can you help me get a mortgage?

There’s a lot to think about when securing a mortgage. It has to be right for you and your long-term goals. We work with more than 100 lenders with differing rates and lending criteria. That means we can find you the most suitable lenders and rates, whether you’re looking for a first-time buyer mortgage or buy-to-let.

I’ve been turned down by my bank, can you help?

Banks and building societies all have different lending criteria. Our mortgage advisors work with these lenders on a day-to-day basis, so they know the background criteria of each lender. It is this knowledge and experience of the lending market that can make all the difference when it comes to securing a mortgage for you.

Insurance and Protection

With so many different plans now available, from mortgage protection, critical illness, income protection, life cover, and family income benefit to name but a few, it is vital to speak to someone who understands your needs thoroughly as for many people the only time they review their protection needs is when arranging or reviewing their mortgage.

By taking the time to know you, we ensure you will have the right protection without burdening you with unnecessary costs.

Getting the right advice about protection is crucial when arranging your mortgage.

Our advisers work with you to ensure your mortgage and family are protected regardless of what life throws at you.

Get insurance right and save money.
Got insurance already? Is it the right cover for you? Are you paying too much for the cover you have? Could you pay the same and get more cover for your money?

If you have a 30 year mortgage and are paying £25 a month too much for your protection that’s £9,000 over the term of your mortgage.
Come and see us now for a protection review.

Insurance protects you, your family and your home.
Having the right protection is just as important as having the right mortgage.

Flexible Appointments

We understand in this modern world life is no longer 9-5 so we offer flexible appointments to suit your needs.

Our Advice

Our initial meeting is free of charge. There is no obligation to use our service. We will only charge if you decide to go ahead and use our services.

The right Mortgage

We will make a full assessment of your needs, priorities and goals and then recommend the right mortgage for you

The right Protection

Having gathered all the information about you, your circumstances and your home, we will provide advice and recommendation on the right protection for you.

Getting you there

We are not just here to arrange your mortgage and protection. We will support and guide you through the home buying process right up to the day you get your keys

The future

We will be here to provide you with help, guidance and advice from re-mortgaging to home moves in the future as your circumstances change.

If you are experiencing financial difficulty and struggling to make repayments, then you can contact your lender who may be able to help taking account of your individual circumstances.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

You may want to contact one of the free impartial money guidance and debt advice services such as StepChange, Citizens Advice, or Turn2Us.