Website: Ashley Law
Phone: 0500 104 106
As IFA's, the Ashley Law mortgage service extends to getting you the right deal for your needs, at the best price. This site will highlight plenty of products you weren't aware of, and shows you the true cost of products- so remove the rose tinted specs for an eye-opening assessment of the mortgage marketplace.
Ashley Law are independent financial advisers (one of the UK's larger IFA's) as opposed to lenders in their own right. So their job is to find you a good deal- they get their money in commission when you finally plump for a product.
If you decide to use the Ashley Law mortgage finder service, then you'll get the best value by having a face to face meeting; but the site is useful both for their prospective clients and also for general mortgage research. The key is their product finder; which, even if you buy direct, will highlight good keenly-priced mortgages which you might want to check out. Facilities online include access to mortgages you might otherwise not know about, some because they're only delivered through IFA's, but also others which are only lent in a certain area of the country or for certain types of building (e.g. flats, farmhouses etc.). If you'd never heard of the Principality Building Society, or the Mercantile, it's because you haven't been here first.
The other highlight of the Ashley Law mortgage service is "true cost"- an assessment of value not by the usually quoted APR, but by the total cost including arrangement fees, legal costs, and an assessment of redemption penalties or enforced insurance purchase. There are other mortgage comparison tools out there, but this is very simple, comprehensive, and full of answers.
