Business Details
Trusted Mortgage & Insurance Advisers Scarborough
Hinchliffe Brian has been providing expert mortgage and insurance advice for over 30 years, combining deep local knowledge with a client-focused approach. We specialise in tailoring financial solutions to meet individual needs, offering a wide range of mortgage products and home protection services across the market. Our team prioritises transparency, delivering clear communication and reliable guidance throughout the mortgage process. As an appointed representative of PRIMIS Mortgage Network, we access exclusive rates and deals unavailable through high street lenders. We operate with no client fees, ensuring our advice remains impartial and focused on securing the best outcomes. Our commitment to excellence is underpinned by strong relationships with lenders and a dedication to navigating complexities on behalf of our clients.We serve first-time buyers, home movers, and landlords, offering specialist advice on re-mortgages, buy-to-let properties, and Help to Buy schemes. While most buy-to-let mortgages fall outside FCA regulation, we maintain rigorous standards of ethical practice. Our Scarborough-based team extends expertise to home insurance solutions, including buildings, contents, and combined policies. We also facilitate referrals to trusted providers for secured loans and will-writing services, maintaining accountability for the quality of our core offerings.
Services
First-Time Buyers Mortgages
Buy-to-Let Advice
Re-mortgage Solutions
Help to Buy Schemes
Home Insurance Brokering
Highlights and features
- No client fees for mortgage advice services
- 30+ years' experience in mortgage and insurance sectors
- Access to exclusive rates through PRIMIS Mortgage Network
- Client-focused approach with clear communication
- Deep local knowledge of Scarborough property market
Associations and certifications
- Financial Conduct Authority
What people say
No fees charged
Local market knowledge
Successful mortgage completions
Clear communication
Exclusive rate access
Services
First-Time Buyers Mortgages
Specialist guidance for first-time property purchases, navigating government schemes and competitive rates. We simplify the mortgage process while ensuring compliance with regulatory requirements. Our Scarborough-based team provides tailored advice on deposit requirements and affordability assessments.
Buy-to-Let Advice
Comprehensive support for property investors seeking buy-to-let financing. We explain tax implications and rental income considerations while accessing specialist lenders. Our advice covers portfolio management and regulatory compliance requirements for landlords.
Re-mortgage Solutions
Expert assistance with re-mortgaging existing properties to secure better rates or release equity. We analyse current deals against market offerings while managing the transition process with minimal disruption to clients.
Home Insurance Brokering
Tailored home protection solutions including buildings, contents, and combined policies. We compare market-leading providers to find appropriate coverage levels for owner-occupiers and landlords across Scarborough.
Help to Buy Schemes
Specialist knowledge of government-backed schemes including Help to Buy equity loans. We guide clients through eligibility criteria and application processes while ensuring compliance with scheme regulations.
People
Brian Hinchliffe
Director
With over 30 years' experience in financial services, Brian leads our mortgage advisory team. He specialises in complex cases and maintains strong lender relationships to secure exclusive deals for clients.
Danielle Barker
Financial Adviser
Danielle provides expert guidance on residential mortgages and insurance products. Her client-focused approach ensures clear communication and tailored solutions for first-time buyers and home movers.
Questions
Do you charge fees for mortgage advice?
No, our mortgage advice services are provided free of charge. We receive a procuration fee from lenders upon successful completions.
What mortgage types do you offer?
We provide advice on first-time buyer mortgages, re-mortgages, buy-to-let properties, help-to-buy schemes, and let-to-buy transactions across Scarborough.
Are buy-to-let mortgages regulated?
Most buy-to-let mortgages fall outside Financial Conduct Authority regulation. We ensure clients understand tax implications and landlord responsibilities.
How do you access exclusive mortgage rates?
Through our membership with PRIMIS Mortgage Network, we access competitive deals unavailable through high street lenders and online platforms.
Do you offer home insurance services?
Yes, we provide buildings, contents, and combined insurance solutions from leading providers, tailored to individual property requirements.
Can you assist with will arrangements?
We refer clients to trusted providers for will-writing services, though we don't accept responsibility for third-party advice quality.
