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Got some questions?
With complex financial matters, you’re bound to have questions. Take a look at some of our most commonly asked ones.
Are you an independent adviser?
InTouch Financial aren`t independent advisers - but that shouldn't put you off. Because in most cases we are paid by the lender or provider. We don't offer you a limited solution to your mortgage or insurance requirements. Instead, we have plenty of different options, allowing us to advise you on the right service for your specific needs and circumstances.
How much will InTouch charge me for using your services.
Our service charter ensures that where possible we will elect to be paid by the lender or provider. Thus, ensuring your initial outlay is kept to a minimum. A core principle within the company. However, there may be circumstances where we will need to charge a fee. Typically , re-mortgaging to consolidate debt, repaying, or transferring an equity loan such as with Help to Buy. Your adviser will discuss if a fee will be needed.
Can you help me with my mortgage and my insurance?
Absolutely! Many of our clients return to us following mortgage advice to seek advice on life insurance or home insurance. We specialise in both areas, and we're well-placed to offer our expertise for mortgages and insurance separately or as a single package.
Do you complete the mortgage application for me?
Yes. We help you throughout the whole application process. Our extensive knowledge and expertise in the mortgage application process will ensure you get the right mortgage for your circumstances. This is one of the huge benefits to using InTouch Financial, we are by your side every step of the way.
Can you guarantee approval on a mortgage?
We only advise our clients based on the information they provide to us. As we are not lenders, we cannot guarantee that you will be approved based on our recommendation – especially if we aren't equipped with all the information. However, using our financial advice service for your mortgage will make it far more likely that you will be approved, as you have insight and knowledge going into the applications process.
Can you help me buy a house if I have bad credit?
One of our speciality services is adverse mortgages, which are mortgages designed for individuals with missed payments, poor credit or self-employment income. While we cannot guarantee you will be approved to buy a house, our professional mortgage advice can help you find mortgages that may work for you, regardless of your current circumstances.
Do you arrange my insurance for me?
We provide comprehensive advice and recommendations for a range of different insurances. Guiding you through the different cover types, only recommending what we feel is the right solution for your needs.
