Independent Mortgage and Protection Advice

Helping you find the right mortgage and insurance

Wood Kirkbride can provide you with independent mortgage advice on the best mortgage and insurance products available for your personal circumstances.

After performing a full assessment of your current financial situation and your short and long-term goals, we will research the products that are currently on the market.

Based on our findings, we will advise you on the most suitable mortgages for you and recommend home and life insurance products that will meet your individual needs.

As independent financial advisers, you can be confident that our mortgage and protection advice is completely impartial and that our recommendations are solely focused on your best interests.

What we offer for mortgage and protection advice

At Wood Kirkbride, our Mortgage and Protection Advisers play a crucial role in helping you navigate the complex world of mortgages and insurance.

Before an initial recommendation for a specific mortgage/remortgage is made we will evaluate your financial situation, goals, and preferences to recommend suitable mortgage options.

Market Research: We research a wide selection of mortgage products, interest rates and lenders to find the best fit for you by making use of our Independent Software system (Iress Xplan).

Once a suitable product has been identified we will negotiate with lenders on your behalf to secure favourable terms, then guide you through the mortgage application process, ensuring all necessary documents are submitted correctly.

We use the same Iress Xplan software to help us research the most suitable insurance policies that align with your financial goals and family situation and will provide ongoing reviews to ensure these remain relevant as your personal circumstances change.

independent mortgage advice from Wood Kirkbride

What happens next?

When you work with Wood Kirkbride, we will take the time to understand your needs, goals and preferences before we make any recommendations – this is the process we follow:

Your initial contact

We will discuss your reasons for making contact and arrange a convenient time and place to meet one of our team of experienced mortgage and protection advisers. This can be either at your home or our office.

Your initial meeting

We do not charge a fee at this first meeting, as we would like to understand what you are looking to achieve.

If there is anything you want to discuss, your initial meeting with your independent financial adviser is the perfect time to consider these other areas.

Your adviser will assess your personal circumstances and discuss your objectives and priorities with regards to the property investment you're making.

Preparing our recommendations

Using the information they obtain from you, your independent mortgage adviser will research the products and rates currently on the market from a wide range of lenders, before making their recommendation to suit your personal circumstances.

Arranging your new mortgage

Negotiating your mortgage

Once a suitable product has been identified, your adviser will then negotiate with lenders on your behalf, ensuring you secure the best possible terms.

We will then be able to guide you through the mortgage application process.

We can then research and arrange the necessary insurance policies to run alongside your mortgage, should you require them.

At Wood Kirkbride, our goal is to ensure you understand why we have recommended certain products or a particular advice strategy.

As independent financial advisers, we are not tied to any specific mortgage products or insurance companies, therefore you can be confident that our financial advice is completely impartial.

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