As humans, we naturally desire the best in everything, particularly when it comes to our finances. Mortgages are no different, which is why you might be wondering how to get the best mortgage interest rate. You may have been quoted one interest rate, but have seen something better online or even heard from a friend that you can do better.
Unfortunately, getting the best interest rate is not easy and to do so you must consider the factors that impact mortgage interest rates in the UK.
In this insight, we will cover the key factors that influence your mortgage rate. It's going to help you to understand where you sit in terms of risk to lenders and how to correctly compare the rates you're being offered
A good mortgage rate depends on factors like loan-to-value ratio, the Bank of England Base Rate, and the mortgage product term. To qualify for the best rate, you need the lowest loan-to-value ratio, a favourable Base Rate, and a mortgage term that suits your financial needs.
If you consider these factors, you may be on your way to achieving the best interest rate for your given circumstances, yet there's still a lot to consider and so much of achieving a good interest rate is out of your hands.
Keep in mind that mortgage rates are subject to constant change, and a rate that was attainable last year may no longer be available now, and finding the best mortgage rate can be like juggling. Making a change in one area could have unintended consequences, setting you back in your search. Before we look into these factors, know that you can seek advice from a mortgage expert, who can apply relevancy and ensure you find the right mortgage for you.
The Bank of England is the central bank of the United Kingdom. They meet approximately every 6 weeks to determine the UK's Base rate. The Base rate is the interest rate at which the Bank of England lends money to commercial banks. It has a significant impact on borrowing costs throughout the UK, affecting individuals and businesses alike. When the base rate increases, it typically leads to an increase in the mortgage rates offered for new loans. This is why timing is a huge factor for obtaining a good interest rate. Borrowers who secure a mortgage when the base rate is low can benefit from lower rates, compared to those who obtain a mortgage when the rate is high.
It's about to get technical, so brace yourself.
When mortgage lenders borrow money from the Bank of England, they don't agree a loan term with a fixed interest rate as we would, taking a 5-year loan to buy a car as an example. What they do is open a large outstanding pot of money with them and they are charged base rate interest on a daily basis, which is equal to base rate divided by 365 (because base rate is an annual rate). It's a bit like an overdraft.
So, for them to lend you that same money for a mortgage, they have to commit to borrowing from the Bank of England's fluctuating base rate for the next 30 to 40 years, and that is a concern for the mortgage lenders. After all, they need to know what interest they are paying every day, so they know what they can charge you at a slightly higher rate to make a profit.
However, if the Bank of England meets to review the Base Rate every six weeks, how can they know what the base rate will be in 30-40 years?
There are two measures the mortgage lenders take. First of all, they head into the money markets and agree an interest rate swap for a fixed period of time. That means, they agree with a counterparty to exchange the interest they would pay the Bank of England, in return for paying a fixed interest rate to the counterparty.
This gives the mortgage lender assurance that they know what interest rate they would be paying for their borrowing. They can now use this interest rate accordingly to determine what they need to charge you.
The second measure they take is to only offer you fixed terms that normally last 2 to 5 years. This reduces the risk the mortgage lenders take on because if you decide to pay back your loan early, they can end their interest rate swap agreement and repay their debt with the Bank of England. For this reason, the Interest Rate Swap that is agreed is normally for the same amount of time as the fixed rate that you take, and if you do pay back your loan during this time you may have to pay an early repayment charge.
However, in practice, what happens is the mortgage lenders will decide in advance how much money they think they will be able to lend to mortgage borrowers and agree the terms of their interest rate swaps for different time ranges. So, they open a pot of money for people who might want a 2-year fixed rate, and a separate pot of money for people who might want a 5-year fixed rate.
Sometimes in times of rising interest rates, banks still have money left over from their pots, and they can lend at an interest rate that is much cheaper than the current market rate, and they still can make a profit.
How do swap rates affect mortgage rates? in times when Interest rate swaps rates are low, the mortgage lenders will be able to offer more competitive mortgage interest rates.
Unfortunately, as a mortgage borrower, this factor is out of your control. The interest rate swap rates change daily, showing just how quickly the mortgage market can change.
The interest rate you get can be largely influenced by your mortgage product terms. If you have a desire to borrow for a fixed term of 2 years, you may expect a better interest rate than if you need stability for 5 years. The difference in interest rates between 2 and 5-year fixed rates is determined by the current price of the interest rate swaps for that period, as explained above.
If you are comparing interest rates with friends, even if you opt to remortgage at the same time. If your friend has a 2-year fixed rate, and you have a 5-year fixed rate, you should understand that you will likely have a different interest rate.
Loan to Value (LTV) is a crucial factor in the mortgage world, and it's important to grasp its significance. Simply put, LTV represents the proportion of the property's value that you're borrowing through a mortgage. For example, if you're buying a house valued at £200,000 and you're borrowing £150,000, your loan to value would be 75%.
Lenders pay close attention to LTV because it reflects the level of risk they're taking by lending you the money. A higher LTV indicates a higher risk for the lender, as you're borrowing a larger percentage of the property's value. To mitigate this risk, lenders may charge higher interest rates.
Lower LTV ratios, on the other hand, are generally seen as less risky by lenders. If you're able to provide a larger deposit and have a lower LTV, you may be able to secure more favourable mortgage rates and terms.
When considering Loan to Value, anything below 60% will often provide the best interest rate available. If you are borrowing a 95% or even a 100% mortgage, you can expect to pay the highest interest rate.
Understanding your LTV is essential when searching for a mortgage. It not only influences the interest rates you're offered but also affects your chances of securing a mortgage and the amount you can borrow. Keep in mind that improving your LTV, such as saving for a larger deposit or considering a less expensive property, can enhance your mortgage options and potentially save you money in the long run.
Remember, the lower your loan to value, the better your chances of qualifying for the best mortgage deals. So, carefully consider your LTV when exploring mortgage options and strive to find the balance that works best for your financial circumstances and home-ownership goals.
Ultimately, the mortgage rate you are being offered is determined by your lender. The rate is not only set the profit margins they are trying to achieve but also the type of customer they are trying to attract.
For example, a bank like Halifax are trying to build a brand image that is focussed around helping people to buy their first home. To do this, they may reduce first-time buyer mortgage rates, and may compensate profit levels by increasing their remortgage rates.
Good news if you're a first time buyer, not so good news for those switching mortgages.
This is a perfect example of why it is advisable to speak to an independent mortgage adviser when reviewing your mortgage options.
Determining what constitutes a good mortgage interest rate for you depends on several factors that are unique to your financial situation and goals. It's not a question that can simply be answered. It needs consideration of not only your circumstances but also the factors that influence the mortgage rates in the UK.
Stuart is an expert in Property, Money, Banking & Finance, having worked in retail and investment banking for 10+ years before founding Sunny Avenue. Stuart has spent his career studying finance. He holds qualifications in financial studies, mortgage advice & practice, banking operations, dealing & financial markets, derivatives, securities & investments.
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I provide quality advice and world-class service to meet my client's needs.</strong></p> <p><strong>I have experience of working within the mainstream mortgage and protection industry but after gaining CeMAP and CeRER qualifications with distinctions I moved into the role of Equity Release Adviser.<br /> <br /> I have many client reviews that are testament to the outstanding customer experience that my clients receive from me on each and every occasion. As an Equity Release Adviser, I have helped hundreds of customers to utilise the equity in their home in order to achieve their goals, aspirations, and to enjoy a better quality of retirement.<br /> <br /> I am engaged by Viva Retirement Solutions and am proud to work for them as the company’s morals and ethics mirror my own and the company is highly regarded within the market and industry. I have also been listed in The Times in 2023 as a top adviser which is an achievement I am immensely proud of.</strong></p> <p><strong>Outside of work, I try to focus on my health and fitness and enjoy the lovely home I share with my fiance Debbie and our one-eyed cat Rocky! My other interests include listening to a wide range of music with my favourite artist of all time being Elvis Presley. I also love watching films and have a massive collection across many genres, my favourites being thrillers and horrors both old and new.</strong></p> <p> </p> <p style="text-align:center"><img alt="" src="/webroot/img/userfiles/user_137/warning(1).PNG" width="1000" /></p> <p style="text-align:center"><img alt="David_cole_equity_release_adviser" src="/webroot/img/userfiles/user_137/badges.PNG" width="549" /></p> <p class="ParaBlack"> </p> <hr /> <h4 class="h4Black"><strong>David Cole Testimonials</strong></h4> <blockquote> <p><strong>“Extremely efficient and fast, good communication and considerate explanations at all stages. Would have no hesitation in recommending the services of David Cole.” - Mr Poingdestre</strong></p> </blockquote> <blockquote> <p><strong>“David Cole, the Equity Release Advisor who dealt with my application was excellent. There was no hard sell - simply clear and detailed information provided in an open and friendly manner. Nothing was too much trouble and all questions were answered and all anxieties addressed. The whole process from the initial telephone conversation was very efficient.” - Mrs Booth</strong></p> </blockquote> <blockquote> <p><strong>"First class service and help all the way through." - Miss Wass</strong></p> </blockquote> <blockquote> <p><strong>“David Cole was clear and concise about the changes we were about to make with respect to Equity Release changes. Paperwork arrived promptly via email. The Solicitor suggested by David handled the paperwork efficiently. Overall excellent service by all concerned. Thank you to everyone." - Janis and Ian Henderson</strong></p> </blockquote> <blockquote> <p><strong>Great service from David Cole who looked after us extremely well. I would certainly use the service again.” - David Hollom</strong></p> </blockquote> <blockquote> <p><strong>Before we started our Journey into Equity Release we looked at many companies providing this service. We choose David Cole. David Cole, took us through the process step by step and was always at the other end of the phone if we had a query. The other team members who dealt with other areas of the process gave us the same support. Everyone was professional and patient. There was quite a lot of paperwork but it was clear and easy to deal with. And here we are now. Life is as normal except for COVID. We are able now to complete our wish list with the extra funds. A BIG Thank You to David - Tom Tyne</strong></p> </blockquote> <blockquote> <p><strong>“The whole process was very professional, straightforward and surprisingly quick thanks to our adviser David Cole. David was extremely knowledgeable and talking things through with him confirmed we were making the right decisions. Would highly recommend David.” - Sylvia</strong></p> </blockquote> <blockquote> <p><strong>“David Cole helped us through the process of Equity Release. He was extremely helpful, professional and supportive throughout the whole process. We cannot thank him enough.” - Carol</strong></p> </blockquote> <blockquote> <p><strong>“Absolutely brilliant from the first meeting with David Cole to the meeting with the solicitor everything went like clockwork and I feel that if we had any concerns we could contact David anytime – excellent service and would recommend Key to anyone. - Christine Fearne </strong></p> </blockquote> <p> </p> <quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230127_COMLOGO_1674822366.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 4 => object(App\Model\Entity\Job) { 'id' => (int) 43, 'candidate_id' => (int) 148, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Switch Mortgage Finance', 'slug' => 'switch-mortgage-finance', 'description' => '<p> </p> <p>Switch Mortgage Finance are a specialist mortgage firm offering advice across the whole of the market. 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Our aim; to complete your mortgage in the most efficient way possible.</p> <p> </p> ', 'company_logo' => '20231102_COMLOGO_1698927846.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 5 => object(App\Model\Entity\Job) { 'id' => (int) 46, 'candidate_id' => (int) 149, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Ward James Mortgages', 'slug' => 'ward-james-mortgages', 'description' => '<p>At Ward James Mortgages, we understand that each and every client has different needs and circumstances. We are committed to providing the best customer service and with access to a wide range of providers across the UK, we can ensure you receive the most competitive rate available to you, whilst ensuring the product meets your requirements.</p> <p>We do not charge a broker fee and we are whole of market.</p> <p>We aim to provide an honest, reliable, efficient and hassle-free service tailored to the unique requirements of each individual client. We make sure our advisers will manage your application from start to finish and explain each step clearly without the jargon.</p> <p>Get in touch if you require first time buyer mortgage advice, home mover mortgage advice, remortgage advice, buy to let mortgage advice, life and critical illness insurance and home insurance</p> ', 'company_logo' => '20230119_COMLOGO_1674148336.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 6 => object(App\Model\Entity\Job) { 'id' => (int) 49, 'candidate_id' => (int) 153, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 3, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 3, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Allan Johnston - Mortgage and Protection Consultant', 'slug' => 'allan-johnston-mortgage-and-protection-consultant', 'description' => '<p>I specialise in finding the right Mortgage Finance solutions for clients who are looking to buy a home or take control of their household finances and reduce expenditure on short term debt. TMFS Protection Adviser of the year 2022.</p> <quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230201_COMLOGO_1675254129.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 7 => object(App\Model\Entity\Job) { 'id' => (int) 50, 'candidate_id' => (int) 143, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 3, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 3, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Glade Financial', 'slug' => 'glade-financial', 'description' => '<h4 class="h4Pink"><strong>About Gosia:</strong></h4> <p>My mission is to make you feel confident about money and your future, to teach you to be financially savvy with the knowledge of how to manage your own money. I want to help you to change your life, secure a better future and maintain the lifestyle you want. I want to empower you to feel wealthy.</p> <h4 class="h4Pink"><strong>Glade Financial:</strong></h4> <p>At Glade Financial we offer financial planning and guidance services that fit around you and your goals. We will guide you and your family towards your truly successful financial future and deliver intelligent wealth management solutions while protecting you from the unexpected.<br /> <br /> We will begin with a free no-obligation consultation to understand your circumstances and needs and if the service we provide is right for you. Afterwards, we will prepare a report of recommendations based on the information we gathered. If you decide to go with our advice, we will take care of the fund implementation and policy administration for a fuss-free process.<br /> <br /> We can never predict the future but we can make sure you are ready for whatever the future brings. We will break down the complexity of financial management and give you the clarity and guidelines you need.</p> <h4 class="h4Pink"><strong>Our Promise:</strong></h4> <ul> <li>Putting you first, always</li> <li>Responsive to your needs</li> <li>Collaborating with you every step of the way</li> <li>Building lasting relationship</li> </ul> <p>I invite you to contact me today to find out more!</p> <p class="ParaPink"><strong>I am the director and Independent Financial Adviser at Glade Financial, which is an Appointed Representative of Julian Harris Financial Consultants, authorised and regulated by the Financial Conduct Authority No. 153566.<br /> The performance of your investments is subject to risks. Past performance and forecasts are not reliable indicators of future performance. Tax treatment depends on your individual circumstances and may change. Capital at risk.</strong></p> <p class="ParaPink"> </p> <p style="text-align:center"><img alt="" src="/webroot/img/userfiles/user_143/gd.PNG" width="1000" /></p> <quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230203_COMLOGO_1675428759.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 8 => object(App\Model\Entity\Job) { 'id' => (int) 54, 'candidate_id' => (int) 154, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'How? Financial Review', 'slug' => 'how-financial-review', 'description' => '<h2 class="h2Black" style="text-align: center;">How? Financial Review</h2> <p><strong>We provide expert mortgage and protection advice that you can trust. We take pride in offering a personal service and providing our clients with peace of mind that they are receiving quality products, tailored to their requirements and budget and that are fit for purpose.</strong></p> <p><strong>At How Financial Review (Stockport) Ltd, we offer a personal service that is convenient and worked round our client’s busy schedules. We are happy to carry out reviews and organise policies either over the telephone, virtually or face to face in the comfort of your own home. </strong></p> <p><strong>We aim to make signing up for any of our services as quick and as convenient as possible. 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I have a Degree in Law and History. I have worked in a solicitors office, as well estate agencies as well as with Banks, such as Halifax, Tesco Bank and Santander.</p> <p style="text-align: center;">I am very experienced in understanding the full house buying/selling process from start to finish.</p> <p style="text-align: center;">I like talking to and helping people. Outside of work I enjoy volunteering having helped at the Glasgow Commonwealth Games in 2014, World Gymnastics Championships, World Badminton Championships, European Championships, to name a few, as well as Scottish Rugby and Badminton Scotland.</p> <p style="text-align: center;">My wife and I enjoy travelling be it for weekends away or to more exotic destinations such as Turkey, Spain and hopefully Australia. We also have our hands full with our 2 year old Cockapoo, Alfie!</p> <h2 class="h2Green" style="text-align: center;">Our Services</h2> <p style="text-align: center;">We provide a wide range of professional services to meet your needs. We promise to provide every service with a smile, and to your highest level of satisfaction.</p> <h5 class="h5Green" style="text-align: center;">First Time Buyers</h5> <p style="text-align: center;">As a first time home buyer we are here 100% to hold your hand through getting a mortgage as well as dealing with solicitors and estate agents.</p> <p style="text-align: center;">Want to get that straightforward and jargon free service?</p> <h5 class="h5Green" style="text-align: center;">Home mover </h5> <p style="text-align: center;">Do you think you need more space or the total opposite and want to downsize?</p> <p style="text-align: center;">Let James Parvin Mortgages talk through solutions that could help you!</p> <h5 class="h5Green" style="text-align: center;">Remortgage</h5> <p style="text-align: center;">Switching contracts and products is common in other areas of your life but is often overlooked when it comes to your current mortgage.</p> <p style="text-align: center;">We’re here to make that easy!</p> <h5 class="h5Green" style="text-align: center;">Buy to Let</h5> <p style="text-align: center;">Looking to build a Monopoly-esque property portfolio, renting your old place out or just looking to invest in your future?</p> <p style="text-align: center;">James Parvin Mortgages should be the first call you make.</p> <h5 class="h5Green" style="text-align: center;">Protection</h5> <p style="text-align: center;">Making sure you can keep your home is just as important as buying it. That’s why we’ll also look at your protection needs, such as Life Insurance and Income Protection, to make sure you can afford to keep your home should life throw you a curve ball.</p> <h5 class="h5Pink" style="text-align: center;">Your home/property may be repossessed if you do not keep up repayments on your mortgage.</h5> <h5 class="h5Pink" style="text-align: center;">*Some buy to let, let to buy mortgages and bridging finance are not regulated by the Financial Conduct Authority.</h5> <h5 class="h5Pink" style="text-align: center;">James Parvin Mortgages Ltd Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.</h5> <h5 class="h5Pink" style="text-align: center;">Registered Office: James Parvin Mortgages Ltd, 1 Heathery Lea Avenue, Coatbridge, ML5 4JT. Registered Company Number: SC734214 Registered in Scotland</h5> <p style="text-align: center;"> </p> <quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230209_COMLOGO_1675938078.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 10 => object(App\Model\Entity\Job) { 'id' => (int) 59, 'candidate_id' => (int) 160, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 1, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 1, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Mewstone Mortgage Advice', 'slug' => 'mewstone-mortgage-advice', 'description' => '<h2 class="h2Black" style="text-align: center;">EXPERIENCED MORTGAGE ADVISORS IN PLYMOUTH</h2> <p style="text-align: center;">We are a local team of 3, we were all born and raised in Plymouth. Now bringing up our own families in the area, we wanted to focus our mission around helping other families in Plymouth and surrounding areas achieve their dreams and ensure they’re protected.</p> <p style="text-align: center;">When we say we are an independent broker, we truly are. We work with the whole of market, meaning we can access lenders that aren’t on the High Street, that may be online or specialists that you wouldn’t have thought of. Unlike other brokers or your bank we can be completely unbiased about your mortgage and protection needs.</p> <p style="text-align: center;">As locals ourselves, we are heavily involved with local goings on. Nathan is a big rugby fan, and can be found playing for his local team. Charlie is a trampoline champion who loves to cook. Mark on the other hand can be found at the beach surfing away his spare time!</p> <p style="text-align: center;">Even if you aren’t local to the Plymouth area, you can still be part of the Mewstone family. We can service the whole of the UK with the help of technology.</p> <hr /> <p style="text-align:center"><img alt="mewstone mortgage advice" src="/webroot/img/userfiles/user_160/Capture.PNG" width="1355" /></p> <p> </p> <h2 class="h2Black">What we can help with:</h2> <p style="text-align:center"><img alt="mewstone mortgage advice" src="/webroot/img/userfiles/user_160/Capture2.PNG" width="1017" /></p> <p style="text-align: center;">We are passionate about our local area, we grew up here, and are now bringing our families up in the area. We want to bring everyone together in the Mewstone Family, to create that community vibe. </p> <p style="text-align:center"><img alt="mewstone mortgage adviser" src="/webroot/img/userfiles/user_160/logo-transparent-black.png" width="400" /></p> <p class="ParaPink" style="text-align: center;">Mewstone Mortgage Advice LTD (FCA ref 947355) is an appointed representative of New Leaf Distribution LTD (FCA ref 460421) which is authorised and regulated by the financial conduct authority (FCA).</p> <hr /><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230221_COMLOGO_1676984705.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 11 => object(App\Model\Entity\Job) { 'id' => (int) 60, 'candidate_id' => (int) 161, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 9, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 9, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Michael Thomas - Just Mortgages ', 'slug' => 'michael-thomas-just-mortgages', 'description' => '<p>With over 25 years’ experience in Mortgage Advice, I offer all of my clients a totally personalised and professional service in all aspects of their mortgage. Whether it be a full involvement in the purchase of a new property (including negotiating on purchase prices, dealing with chains, dealing with solicitors etc.) Or re-mortgaging your property and/or raising funds for any legal purpose. I will be your only point of contact throughout the process.</p> <hr /> <p><strong>THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME/PROPERTY. YOUR HOME OR<br /> PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE</strong>. </p> <h5 class="h5Pink" style="margin: 0cm;">Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Just Mortgages Direct Limited Registered Office: Colwyn House, Sheepen Place, Colchester, Essex, C03 3LD. Registered in England No. 2412345</h5> <quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230222_COMLOGO_1677073058.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 12 => object(App\Model\Entity\Job) { 'id' => (int) 61, 'candidate_id' => (int) 163, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Joe Manns-Benson at Largemortgageloans.com', 'slug' => 'joe-manns-benson-at-largemortgageloans-com', 'description' => '<p>Every client is unique and has different financial solutions.</p> <p>Here at largemortgageloans.com we are committed to helping clients achieve their financial goals.</p> <p>Whether you are a first-time homebuyer, homemover, investor or seeking to refinance your existing mortgage, we provide personalised advice and support every step of the way.</p> <p>We are passionate about educating clients about the mortgage process, explaining complex financial concepts in easy-to-understand terms. </p> ', 'company_logo' => '20230307_COMLOGO_1678184295.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 13 => object(App\Model\Entity\Job) { 'id' => (int) 64, 'candidate_id' => (int) 167, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'XL Financial Services Limited', 'slug' => 'xl-financial-services-limited', 'description' => '<p>I am a mortgage and protection specialist with over 34 years of Financial Services industry experience.</p> <p>Having started in high street banks in 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More recently, I have worked in the independent sector since 2001, initially as a mortgage adviser for an independent estate agent and since 2005 as an Independent Mortgage and Protection Adviser.</p> <p>I am qualified to give advice on all types of mortgage including Equity Release Schemes.</p> <p>I also specialise in looking after my clients protection needs, including life, critical illness and income protection, including any additional advice in the arranging these plans in trust (if appropriate).</p> <p>Many of my clients have been long standing clients and I am now happy to be looking after their children’s needs as they buy their own homes and start their own families.</p> <p>Most important in looking after my clients is honesty and integrity in all our dealings, something I ensure is there from the start of any new relationship.</p> <p>Whether looking for your first home, buying an investment property or looking for an Equity Release mortgage, I am happy to help with any mortgage enquiry. I liaise with all other parties involved in the house buying or remortgaging process, meaning that you have less stress and more support throughout the whole application.</p> <hr />', 'company_logo' => '20230323_COMLOGO_1679593672.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 14 => object(App\Model\Entity\Job) { 'id' => (int) 65, 'candidate_id' => (int) 168, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 2, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 2, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'UK Lending ', 'slug' => 'uk-lending', 'description' => '<p style="text-align:center"><img alt="UK lending 6" src="/webroot/img/userfiles/user_168/Uklending5.PNG" width="332" /></p> <p style="text-align: center;"><strong>We help first time buyers to professional landlords with mortgages and refinancing.</strong></p> <p style="text-align: center;"><strong>UK Lending provides holistic solutions that vary from each type of client.</strong></p> <p style="text-align: center;"><strong>Our typical client is someone who is self employed or had adverse credit in the background. These type of clients do not fit high street orders and need specialist advice which I can provide.</strong></p> <h5 class="h5Pink" style="text-align: center;"><strong>When your bank or building society says ‘No’ to your application because you don’t fit the mould, we aim to get the ‘Yes’ you’re looking for.</strong></h5> <h5 class="h5Pink" style="text-align: center;"><strong>UK Lending helps you apply for complex mortgages and property-secured loans, from specialist lenders who may well look on your application more favourably than middle-of-the-road high street lenders.</strong></h5> <p style="text-align: center;"><strong>YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE</strong></p> <hr /> <p style="text-align:center"><img alt="Uk Lending" src="/webroot/img/userfiles/user_168/Capture.PNG" width="1215" /></p> <p><img alt="Uklending buy to let" height="287" src="/webroot/img/userfiles/user_168/captir2.PNG" style="float:left" width="500" /></p> <p><img alt="Uk lending 3" height="320" src="/webroot/img/userfiles/user_168/Capture3.PNG" style="float:right" width="500" /></p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> ', 'company_logo' => '20230330_COMLOGO_1680179241.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 15 => object(App\Model\Entity\Job) { 'id' => (int) 66, 'candidate_id' => (int) 169, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Darius Stonkus @ Jones and Young', 'slug' => 'darius-stonkus-jones-and-young', 'description' => '<h5 class="h5Yellow">Jones & Young are Independent Mortgage Brokers based in Petersfield, Hampshire covering the whole of the UK.</h5> <h5 class="h5Black">Ultimately my role involves dealing with real people that have real life problems, desires and million other things going on in their everyday lives. As buying a HOME is always a BIG decision, especially if it is your first one I want to make sure that the process runs smoothly and you are informed all the way along the journey. It is especially satisfying when a person that never thought it was possible gets the keys to their property.<br /> <br /> However, we don’t just leave it there as new large financial commitments create liabilities that need to be “neutralised”. You will get an impartial and FREE advice about insurance solutions to protect your financial wellbeing that you have worked so hard for.<br /> <br /> If you are a paid via CIS, contractor, ltd director, have had a financial blip in the past or any combination of the above, I want to hear from you.<br /> However, be brave and get in touch even if you do not fit the above description as I have helped people with employed incomes as well.<br /> <br /> Just so you know there is a real person behind this profile pic ! I know crazy. When I’m not on the phone or my laptop you will find me doing pull ups and push ups, reading books about human body and parenting, eating my own cooked good food, checking the news out, posting stuff on TikTok and a bunch of other stuff.</h5> ', 'company_logo' => '20230421_COMLOGO_1682071071.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 16 => object(App\Model\Entity\Job) { 'id' => (int) 68, 'candidate_id' => (int) 170, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 4, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 4, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Ben Davies - City Finance Brokers', 'slug' => 'ben-davies-city-finance-brokers', 'description' => '<h5 class="h5Green">Impartial and independent advice on your bridging finance requirements:</h5> <ul> <li> <h5 class="h5Green">Property Finance</h5> </li> <li> <h5 class="h5Green">Property Development</h5> </li> <li> <h5 class="h5Green">Property Investment Finance</h5> </li> </ul> <h5 class="h5Pink">ben.davies@cfbrokers.co.uk</h5> <h5 class="h5Pink">07376 972 391</h5> ', 'company_logo' => '20230630_COMLOGO_1688118133.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 17 => object(App\Model\Entity\Job) { 'id' => (int) 69, 'candidate_id' => (int) 173, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Active Financial', 'slug' => 'active-financial', 'description' => '<h2 class="h2Green">The Self Employed Finance Specialists</h2> <p>At Active, we exist to help business owners, entrepreneurs and company directors to secure mortgages and protection quickly, easily and without distracting you from your business and your family. <img alt="Active Financial" src="/webroot/img/userfiles/user_173/Untitled%20design%20(20).png" style="float:right" width="200" /></p> <h2 class="h2Green">What can Active Financial do for you?</h2> <p>Go to most mortgage brokers and lenders and you’ll find that getting a mortgage as a self-employed business owner is tough.</p> <p>You’ve probably already realised that.</p> <p>The truth is that the world of mortgages isn’t set up for people who run their businesses, which can make getting a mortgage for people like you harder.</p> <p>But we can help you make it happen.</p> <p>Because we specialise in this exact area, we know what other brokers don’t.</p> <h2>How Do Active help you?</h2> <p>Over the years we’ve worked with business owners, we’ve built a strategic process that gives you the best chance of getting the finance that suits you and your families circumstances.</p> <p>We call it the ACTIVE framework, and it works, time and time again.</p> <p>No matter what type of finance you’re looking for, the framework serves to secure the best deal for you, as quickly and efficiently as possible.</p> <p>We know what buttons to press, what products to apply for and exactly how you need to get your ducks in a row in order to achieve the finance you need for the home you want.</p> <p>Whether you’re looking for your first home, your forever home, to invest in property, or protect your business or family, we can help, by putting you on the right track towards acceptance, and dealing with the entire process, so you can focus on doing what you do best.</p> <p>When you work with Active, we reduce your stress and save you time.</p> <p>No longer do you have to ring around to try and find lenders who might service you, or spend hours on the phone to brokers.</p> <h2>Why are Active Financial so good at helping people like you?</h2> <p>Because we <strong>ARE</strong> people like you. Here’s our founder Gary’s story:</p> <blockquote> <p class="Quotation14Green">I qualified to provide mortgage advice in 2002, launching Active Mortgage in 2008. But it wasn’t until in 2015, we realised firsthand how hard it is to get a mortgage when you’re self-employed. My wife Ayesha was a sole trader at the time, and I was running Active, and we wanted to buy our own home. Which – as you’ll know – is easier said than done. We really struggled to find a mortgage, and when we did get one, it didn’t really add maximum value, nor did it give us a competitive interest rate. At that point it became my mission to ensure that business owners, company directors, people like me and you – people who risk it all to create something greater and better – are able to secure the perfect mortgage without the stress and worry that I went through.</p> </blockquote> <h2>What’s the next step?</h2> <p>The first step to securing any form of finance is a strategy call, where we can help define your financial goals and understand your circumstances.</p> <p>The outcome is always positive, if we can’t help you with finance now, we’ll help you prepare to maximise your chances in the future.</p> <p>In the mortgage world, failing to prepare is preparing to fail, which is why we recommend that you get in touch with us as soon as possible, even if you’re 1-2 years out from applying for your mortgage.</p> <p>The sooner you get in touch, the higher our chances of being able to help you.</p> ', 'company_logo' => '20230704_COMLOGO_1688476289.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 18 => object(App\Model\Entity\Job) { 'id' => (int) 73, 'candidate_id' => (int) 188, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Spellman Financial Services', 'slug' => 'spellman-financial-services', 'description' => '<p>Spellman Financial Services are Mortgage Advisors servicing the people of Coventry and Warwickshire. </p> <p>We pride ourselves on delivering an excellent service and expert right first time advice. We can deal with every area of Mortgage Advice, and provide associated insurance advice on products to protect you and your home.</p> <p>Spellman Financial Services is owned and managed by Luke Spellman, who has more than 10 years experience in Mortgage Advising and within Financial Services.</p> ', 'company_logo' => '20230905_COMLOGO_1693919450.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 19 => object(App\Model\Entity\Job) { 'id' => (int) 76, 'candidate_id' => (int) 190, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Capital 8 Finance', 'slug' => 'capital-8-finance', 'description' => '<p>At Capital 8 Finance we pride ourselves on offering the most appropriate and cost-effective form of finance to meet our clients demands and requirements. Whether our client is a new start-up business, borrowing funds to expand or a property investor adding to an existing portfolio or simply someone looking to buy their first home, we treat all of our customers with the utmost respect and professionalism.</p> <p>We do not charge upfront fees for our initial consultation and advice as this is given freely on a no obligation basis.</p> <p>We understand and appreciate that each business is different and every client shall have their own unique situation and circumstances. So, whether out clients require finance to purchase and develop property, start-up a new venture, bridging finance to fund a short-term shortfall, additional funding to grow their business, asset and vehicle finance or even a mortgage, we will deliver a comprehensive suite of products and solutions to meet our clients’ needs.</p> <p>Capital 8 Finance are an independent specialist consultancy providing commercial and business finance support to SME clients throughout the entire UK. Whether your business is well established or a new start we can support you with:</p> <ul> <li>Asset Finance</li> <li>Business Loans</li> <li>Commercial Mortgages</li> <li>Invoice Finance</li> <li>Stock and Trade Finance</li> <li>Revolving Credit Facilities</li> <li>Merchant Cash Advance</li> </ul> <p>As a specialist broker, we also support property developers by sourcing finance for their developments and projects and assist landlords grow their property portfolios with:</p> <ul> <li>Buy-to-let Mortgages</li> <li>Specialist Mortgages</li> <li>Bridging Finance</li> <li>Property Development & Refurbishment Finance</li> <li>Mezzanine Finance</li> <li>Joint Venture (JV) Finance</li> </ul> <p>But that’s not all, we also can help with your mortgage needs. We can help arrange mortgages for:</p> <ul> <li>First Time Buyers</li> <li>People Moving Home</li> <li>Re-Mortgaging</li> <li>Regulated Bridging Finance</li> </ul> <p>At Capital 8 Finance we are genuinely independent, wholly impartial and we will offer straightforward honest advice, given freely and without obligation. Through our established lender partner network, we give you immediate access to over 300 UK based lenders and private banks. All our lending partners have funds available to lend and are genuinely still keen to support the right proposition and provide a genuine and viable alternative to the High Street lenders.</p> <p>When your own bank has failed to offer the support, you need to call us. We will quickly assess all the available options for you, and we will do everything possible to find a workable and affordable business solution.</p> <p>Time and again we prove to our clients that we can secure funding where others fail and, in most cases, our advice will save you very significant amounts of money over the course of the loan. The majority of specialist lenders in the current marketplace will only accept qualified and packaged mortgage and loan proposals from specialist brokers such as ourselves.</p> ', 'company_logo' => '20230915_COMLOGO_1694789097.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 20 => object(App\Model\Entity\Job) { 'id' => (int) 86, 'candidate_id' => (int) 236, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'HF ASSOCIATES', 'slug' => 'hf-associates', 'description' => '<p> <style type="text/css"><!--td {border: 1px solid #cccccc;}br {mso-data-placement:same-cell;}--> </style> Helen Ferneyhough Associates, based in Wigan, offers expert mortgage and protection services to help you make a smart move in the housing market. With hand-picked advisers and a personalised approach, we have assisted clients in achieving their dream homes since 2006.</p> <p>As part of Just Mortgages Direct Limited, an appointed representative of The Openwork Partnership, we have access to a vast network of over 4,500 advisers, ensuring you receive the best advice tailored to your individual circumstances.</p> <p>Whether you're a first-time buyer, looking for equity release, or seeking protection, we're here to guide you every step of the way. Book your no-strings-attached mortgage consultation and secure your dream home today!</p> ', 'company_logo' => '20231106_COMLOGO_1699266882.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 21 => object(App\Model\Entity\Job) { 'id' => (int) 89, 'candidate_id' => (int) 240, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Kent Mortgage Advice & Protection', 'slug' => 'kent-mortgage-advice-protection', 'description' => '<p>At Kent Mortgage & Protection we understand the importance of getting advice you can understand, when you need it. </p> <p>We work flexibly around our clients lives and are happy to communicate by whatever means is easiest for you. 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You are a busy person, and we understand that. That is why we have enabled multiple ways you can get in touch with us, and ways to manage your case from Enquiry to Completion.</p> <p>We can look after you over the phone, face to face or even via Web Meetings. We want to be there for you when you need us, not when it suits us! 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'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth 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[[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 24 => object(App\Model\Entity\Job) { 'id' => (int) 103, 'candidate_id' => (int) 274, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Delato Finance Ltd', 'slug' => 'delato-finance-ltd', 'description' => '<h1 data-custom-font="" data-is-italic-supported="" data-line-height="" data-old-bold="true"> </h1> <h1 data-custom-font="" data-is-italic-supported="" data-line-height="" data-old-bold="true">Your Gateway to Property Finance</h1> <p> </p> <h2 data-custom-font="" data-is-italic-supported="" data-line-height="">Unlocking Opportunities with Tailored 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'Home Mover Mortgages', (int) 574 => 'New Build Home Mortgages', (int) 575 => 'Remortgage', (int) 576 => 'Second Charge Loans', (int) 577 => 'Self-employed mortgages', (int) 578 => 'Business Whole of Life', (int) 579 => 'Critical Illness cover', (int) 580 => 'Health Insurance', (int) 581 => 'Home insurance', (int) 582 => 'Income Protection', (int) 583 => 'Key man Insurance', (int) 584 => 'Landlord Insurance', (int) 585 => 'Shareholder protection insurance', (int) 586 => 'Whole of Life Insurance', (int) 587 => 'Estate Planning', (int) 588 => 'Power of Attorney', (int) 589 => 'Probate Services', (int) 590 => 'Trusts', (int) 591 => 'Will Writers', (int) 630 => 'Financial', (int) 641 => 'Life Insurance', (int) 642 => 'Pension Transfers', (int) 643 => 'No obligation consultation', (int) 677 => 'Initial fee free consultation', (int) 681 => 'Mortgage Capacity Reports' ] $towns_list = [ (int) 0 => object(App\Model\Entity\Town) { 'id' => (int) 7428, 'name' => 'Canary Wharf', 'slug' => 'canary-wharf-greater-london-537637', 'county' => 'Greater London', 'county_slug' => 'greater-london-london', 'nuts_region' => 'London', 'nuts_region_slug' => 'london-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ376801', 'easting' => (int) 537637, 'northing' => (int) 180159, 'latitude' => (float) 51.50361, 'longitude' => (float) -0.01833, 'elevation' => (int) 39, 'postcode_sector' => 'E14 5', 'local_government_area' => 'Tower Hamlets', 'type' => 'Suburban Area', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 1 => object(App\Model\Entity\Town) { 'id' => (int) 8178, 'name' => 'Chaddlewood', 'slug' => 'chaddlewood-devon-255440', 'county' => 'Devon', 'county_slug' => 'devon-south-west', 'nuts_region' => 'South West', 'nuts_region_slug' => 'south-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SX554562', 'easting' => (int) 255440, 'northing' => (int) 56231, 'latitude' => (float) 50.38815, 'longitude' => (float) -4.0349, 'elevation' => (int) 65, 'postcode_sector' => 'PL7 2', 'local_government_area' => 'City of Plymouth', 'type' => 'Suburban Area', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 2 => object(App\Model\Entity\Town) { 'id' => (int) 8510, 'name' => 'Chedzoy', 'slug' => 'chedzoy-somerset-333982', 'county' => 'Somerset', 'county_slug' => 'somerset-south-west', 'nuts_region' => 'South West', 'nuts_region_slug' => 'south-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'ST339375', 'easting' => (int) 333982, 'northing' => (int) 137501, 'latitude' => (float) 51.13296, 'longitude' => (float) -2.94489, 'elevation' => (int) 10, 'postcode_sector' => 'TA7 8', 'local_government_area' => 'Sedgemoor District', 'type' => 'Village', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 3 => object(App\Model\Entity\Town) { 'id' => (int) 8531, 'name' => 'Chelmsford', 'slug' => 'chelmsford-essex-570897', 'county' => 'Essex', 'county_slug' => 'essex-eastern', 'nuts_region' => 'Eastern', 'nuts_region_slug' => 'eastern-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TL708071', 'easting' => (int) 570897, 'northing' => (int) 207155, 'latitude' => (float) 51.73705, 'longitude' => (float) 0.47361, 'elevation' => (int) 29, 'postcode_sector' => 'CM1 1', 'local_government_area' => 'Chelmsford District', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 4 => object(App\Model\Entity\Town) { 'id' => (int) 9571, 'name' => 'Coatbridge', 'slug' => 'coatbridge-lanarkshire-273102', 'county' => 'Lanarkshire', 'county_slug' => 'lanarkshire-scotland', 'nuts_region' => 'Scotland', 'nuts_region_slug' => 'scotland-scotland', 'country' => 'Scotland', 'country_slug' => 'scotland', 'grid_reference' => 'NS731651', 'easting' => (int) 273102, 'northing' => (int) 665104, 'latitude' => (float) 55.86236, 'longitude' => (float) -4.02914, 'elevation' => (int) 84, 'postcode_sector' => 'ML5 3', 'local_government_area' => 'North Lanarkshire', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 5 => object(App\Model\Entity\Town) { 'id' => (int) 10355, 'name' => 'Corringham', 'slug' => 'corringham-essex-569985', 'county' => 'Essex', 'county_slug' => 'essex-eastern', 'nuts_region' => 'Eastern', 'nuts_region_slug' => 'eastern-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ699835', 'easting' => (int) 569985, 'northing' => (int) 183562, 'latitude' => (float) 51.52539, 'longitude' => (float) 0.44897, 'elevation' => (int) 24, 'postcode_sector' => 'SS17 7', 'local_government_area' => 'Thurrock', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 6 => object(App\Model\Entity\Town) { 'id' => (int) 10579, 'name' => 'Coventry', 'slug' => 'coventry-west-midlands-433644', 'county' => 'West Midlands', 'county_slug' => 'west-midlands-west-midlands', 'nuts_region' => 'West Midlands', 'nuts_region_slug' => 'west-midlands-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SP336789', 'easting' => (int) 433644, 'northing' => (int) 278970, 'latitude' => (float) 52.40771, 'longitude' => (float) -1.50686, 'elevation' => (int) 91, 'postcode_sector' => 'CV1 5', 'local_government_area' => 'Coventry District', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 7 => object(App\Model\Entity\Town) { 'id' => (int) 13073, 'name' => 'Dundee', 'slug' => 'dundee-city-of-dundee-340093', 'county' => 'City of Dundee', 'county_slug' => 'city-of-dundee-scotland', 'nuts_region' => 'Scotland', 'nuts_region_slug' => 'scotland-scotland', 'country' => 'Scotland', 'country_slug' => 'scotland', 'grid_reference' => 'NO400300', 'easting' => (int) 340093, 'northing' => (int) 730009, 'latitude' => (float) 56.45841, 'longitude' => (float) -2.97367, 'elevation' => (int) 16, 'postcode_sector' => 'DD1 4', 'local_government_area' => 'Dundee City', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 8 => object(App\Model\Entity\Town) { 'id' => (int) 13095, 'name' => 'Dungannon', 'slug' => 'dungannon-county-tyrone-279738', 'county' => 'County Tyrone', 'county_slug' => 'county-tyrone-northern-ireland', 'nuts_region' => 'Northern Ireland', 'nuts_region_slug' => 'northern-ireland-northern-ireland', 'country' => 'Northern Ireland', 'country_slug' => 'northern-ireland', 'grid_reference' => 'H797619', 'easting' => (int) 279738, 'northing' => (int) 361982, 'latitude' => (float) 54.5, 'longitude' => (float) -6.77, 'elevation' => (int) 71, 'postcode_sector' => 'BT71 7', 'local_government_area' => 'Mid Ulster', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 9 => object(App\Model\Entity\Town) { 'id' => (int) 14754, 'name' => 'Fallin', 'slug' => 'fallin-stirling-and-falkirk-283520', 'county' => 'Stirling and Falkirk', 'county_slug' => 'stirling-and-falkirk-scotland', 'nuts_region' => 'Scotland', 'nuts_region_slug' => 'scotland-scotland', 'country' => 'Scotland', 'country_slug' => 'scotland', 'grid_reference' => 'NS835917', 'easting' => (int) 283520, 'northing' => (int) 691716, 'latitude' => (float) 56.10397, 'longitude' => (float) -3.87431, 'elevation' => (int) 13, 'postcode_sector' => 'FK7 7', 'local_government_area' => 'Stirling', 'type' => 'Village', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 10 => object(App\Model\Entity\Town) { 'id' => (int) 15510, 'name' => 'Folkestone', 'slug' => 'folkestone-kent-622846', 'county' => 'Kent', 'county_slug' => 'kent-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TR228361', 'easting' => (int) 622846, 'northing' => (int) 136189, 'latitude' => (float) 51.08172, 'longitude' => (float) 1.18028, 'elevation' => (int) 26, 'postcode_sector' => 'CT20 1', 'local_government_area' => 'Shepway District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 11 => object(App\Model\Entity\Town) { 'id' => (int) 23649, 'name' => 'Knutsford', 'slug' => 'knutsford-cheshire-375123', 'county' => 'Cheshire', 'county_slug' => 'cheshire-north-west', 'nuts_region' => 'North West', 'nuts_region_slug' => 'north-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SJ751785', 'easting' => (int) 375123, 'northing' => (int) 378529, 'latitude' => (float) 53.30312, 'longitude' => (float) -2.37476, 'elevation' => (int) 68, 'postcode_sector' => 'WA16 0', 'local_government_area' => 'Cheshire East', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 12 => object(App\Model\Entity\Town) { 'id' => (int) 24578, 'name' => 'Leyland', 'slug' => 'leyland-lancashire-354177', 'county' => 'Lancashire', 'county_slug' => 'lancashire-north-west', 'nuts_region' => 'North West', 'nuts_region_slug' => 'north-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SD541216', 'easting' => (int) 354177, 'northing' => (int) 421644, 'latitude' => (float) 53.68922, 'longitude' => (float) -2.69536, 'elevation' => (int) 46, 'postcode_sector' => 'PR25 3', 'local_government_area' => 'South Ribble District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 13 => object(App\Model\Entity\Town) { 'id' => (int) 26025, 'name' => 'London', 'slug' => 'london-greater-london-532473', 'county' => 'Greater London', 'county_slug' => 'greater-london-london', 'nuts_region' => 'London', 'nuts_region_slug' => 'london-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ324812', 'easting' => (int) 532473, 'northing' => (int) 181219, 'latitude' => (float) 51.51437, 'longitude' => (float) -0.09229, 'elevation' => (int) 31, 'postcode_sector' => 'EC2V 8', 'local_government_area' => 'City of London', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 14 => object(App\Model\Entity\Town) { 'id' => (int) 30211, 'name' => 'Newcastle-under-Lyme', 'slug' => 'newcastle-under-lyme-staffordshire-384799', 'county' => 'Staffordshire', 'county_slug' => 'staffordshire-west-midlands', 'nuts_region' => 'West Midlands', 'nuts_region_slug' => 'west-midlands-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SJ847460', 'easting' => (int) 384799, 'northing' => (int) 346008, 'latitude' => (float) 53.01116, 'longitude' => (float) -2.22801, 'elevation' => (int) 133, 'postcode_sector' => 'ST5 1', 'local_government_area' => 'Newcastle-under-Lyme District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 15 => object(App\Model\Entity\Town) { 'id' => (int) 32393, 'name' => 'Oxted', 'slug' => 'oxted-surrey-539389', 'county' => 'Surrey', 'county_slug' => 'surrey-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ393528', 'easting' => (int) 539389, 'northing' => (int) 152880, 'latitude' => (float) 51.25805, 'longitude' => (float) -0.0038, 'elevation' => (int) 105, 'postcode_sector' => 'RH8 0', 'local_government_area' => 'Tandridge District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 16 => object(App\Model\Entity\Town) { 'id' => (int) 32424, 'name' => 'Paddock Wood', 'slug' => 'paddock-wood-kent-567086', 'county' => 'Kent', 'county_slug' => 'kent-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ670451', 'easting' => (int) 567086, 'northing' => (int) 145186, 'latitude' => (float) 51.18149, 'longitude' => (float) 0.38921, 'elevation' => (int) 16, 'postcode_sector' => 'TN12 6', 'local_government_area' => 'Tunbridge Wells District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 17 => object(App\Model\Entity\Town) { 'id' => (int) 33455, 'name' => 'Petersfield', 'slug' => 'petersfield-hampshire-474632', 'county' => 'Hampshire', 'county_slug' => 'hampshire-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SU746232', 'easting' => (int) 474632, 'northing' => (int) 123266, 'latitude' => (float) 51.00395, 'longitude' => (float) -0.93771, 'elevation' => (int) 66, 'postcode_sector' => 'GU32 3', 'local_government_area' => 'East Hampshire District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 18 => object(App\Model\Entity\Town) { 'id' => (int) 34494, 'name' => 'Preston', 'slug' => 'preston-lancashire-354046', 'county' => 'Lancashire', 'county_slug' => 'lancashire-north-west', 'nuts_region' => 'North West', 'nuts_region_slug' => 'north-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SD540295', 'easting' => (int) 354046, 'northing' => (int) 429582, 'latitude' => (float) 53.76055, 'longitude' => (float) -2.69853, 'elevation' => (int) 44, 'postcode_sector' => 'PR1 2', 'local_government_area' => 'Preston District', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 19 => object(App\Model\Entity\Town) { 'id' => (int) 37478, 'name' => 'Sheffield', 'slug' => 'sheffield-south-yorkshire-435449', 'county' => 'South Yorkshire', 'county_slug' => 'south-yorkshire-yorkshire-and-the-humber', 'nuts_region' => 'Yorkshire and the Humber', 'nuts_region_slug' => 'yorkshire-and-the-humber-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SK354874', 'easting' => (int) 435449, 'northing' => (int) 387427, 'latitude' => (float) 53.38251, 'longitude' => (float) -1.46854, 'elevation' => (int) 83, 'postcode_sector' => 'S1 1', 'local_government_area' => 'Sheffield District', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 20 => object(App\Model\Entity\Town) { 'id' => (int) 46508, 'name' => 'Whiteley', 'slug' => 'whiteley-hampshire-452343', 'county' => 'Hampshire', 'county_slug' => 'hampshire-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SU523093', 'easting' => (int) 452343, 'northing' => (int) 109365, 'latitude' => (float) 50.88141, 'longitude' => (float) -1.25733, 'elevation' => (int) 26, 'postcode_sector' => 'PO15 7', 'local_government_area' => 'Fareham District', 'type' => 'Locality', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 21 => object(App\Model\Entity\Town) { 'id' => (int) 46788, 'name' => 'Wigan', 'slug' => 'wigan-greater-manchester-358372', 'county' => 'Greater Manchester', 'county_slug' => 'greater-manchester-north-west', 'nuts_region' => 'North West', 'nuts_region_slug' => 'north-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SD583056', 'easting' => (int) 358372, 'northing' => (int) 405618, 'latitude' => (float) 53.54554, 'longitude' => (float) -2.62969, 'elevation' => (int) 52, 'postcode_sector' => 'WN1 1', 'local_government_area' => 'Wigan District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' } ] $custom_field_list = [ (int) 39 => 'Adviser Information', (int) 1 => 'Company Name ', (int) 15 => 'Company Type', (int) 28 => 'Company Registration No', (int) 36 => 'Street (Registered Address) ', (int) 37 => 'Registered Town / City', (int) 38 => 'Registered Post Code', (int) 41 => 'Same As Above - CF ', (int) 16 => 'Street (Trading Address)', (int) 3 => 'City / Town', (int) 29 => 'Post Code', (int) 58 => 'The Financial Services Register', (int) 45 => 'FCA Reg No', (int) 47 => 'Exempt Professional Firm', (int) 18 => 'Contact Details', (int) 19 => 'Email Address', (int) 17 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I can search over 90 mortgage lenders offering over 1200 products ensuring you get the best deal.</h5> <p style="text-align:center"><img alt="" src="/webroot/img/userfiles/user_146/White%20Minimalist%20Elegant%20Handwritten%20LinkedIn%20Banner%20(1).png" width="1584" /></p> <quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230117_COMLOGO_1673979714.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 3 => object(App\Model\Entity\Job) { 'id' => (int) 42, 'candidate_id' => (int) 137, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'David Cole - Equity Release Specialist', 'slug' => 'david-cole-equity-release-specialist', 'description' => '<h4 class="h4Green">David Cole - Equity Release Specialist</h4> <p><strong>I have been working in the Financial Services industry for over 35 years putting the client at the heart of</strong><img alt="" height="200" src="/webroot/img/userfiles/user_137/snipy1.PNG" style="float:right" width="343" /><strong> everything I do. I provide quality advice and world-class service to meet my client's needs.</strong></p> <p><strong>I have experience of working within the mainstream mortgage and protection industry but after gaining CeMAP and CeRER qualifications with distinctions I moved into the role of Equity Release Adviser.<br /> <br /> I have many client reviews that are testament to the outstanding customer experience that my clients receive from me on each and every occasion. As an Equity Release Adviser, I have helped hundreds of customers to utilise the equity in their home in order to achieve their goals, aspirations, and to enjoy a better quality of retirement.<br /> <br /> I am engaged by Viva Retirement Solutions and am proud to work for them as the company’s morals and ethics mirror my own and the company is highly regarded within the market and industry. I have also been listed in The Times in 2023 as a top adviser which is an achievement I am immensely proud of.</strong></p> <p><strong>Outside of work, I try to focus on my health and fitness and enjoy the lovely home I share with my fiance Debbie and our one-eyed cat Rocky! My other interests include listening to a wide range of music with my favourite artist of all time being Elvis Presley. I also love watching films and have a massive collection across many genres, my favourites being thrillers and horrors both old and new.</strong></p> <p> </p> <p style="text-align:center"><img alt="" src="/webroot/img/userfiles/user_137/warning(1).PNG" width="1000" /></p> <p style="text-align:center"><img alt="David_cole_equity_release_adviser" src="/webroot/img/userfiles/user_137/badges.PNG" width="549" /></p> <p class="ParaBlack"> </p> <hr /> <h4 class="h4Black"><strong>David Cole Testimonials</strong></h4> <blockquote> <p><strong>“Extremely efficient and fast, good communication and considerate explanations at all stages. Would have no hesitation in recommending the services of David Cole.” - Mr Poingdestre</strong></p> </blockquote> <blockquote> <p><strong>“David Cole, the Equity Release Advisor who dealt with my application was excellent. There was no hard sell - simply clear and detailed information provided in an open and friendly manner. Nothing was too much trouble and all questions were answered and all anxieties addressed. The whole process from the initial telephone conversation was very efficient.” - Mrs Booth</strong></p> </blockquote> <blockquote> <p><strong>"First class service and help all the way through." - Miss Wass</strong></p> </blockquote> <blockquote> <p><strong>“David Cole was clear and concise about the changes we were about to make with respect to Equity Release changes. Paperwork arrived promptly via email. The Solicitor suggested by David handled the paperwork efficiently. Overall excellent service by all concerned. Thank you to everyone." - Janis and Ian Henderson</strong></p> </blockquote> <blockquote> <p><strong>Great service from David Cole who looked after us extremely well. I would certainly use the service again.” - David Hollom</strong></p> </blockquote> <blockquote> <p><strong>Before we started our Journey into Equity Release we looked at many companies providing this service. We choose David Cole. David Cole, took us through the process step by step and was always at the other end of the phone if we had a query. The other team members who dealt with other areas of the process gave us the same support. Everyone was professional and patient. There was quite a lot of paperwork but it was clear and easy to deal with. And here we are now. Life is as normal except for COVID. We are able now to complete our wish list with the extra funds. A BIG Thank You to David - Tom Tyne</strong></p> </blockquote> <blockquote> <p><strong>“The whole process was very professional, straightforward and surprisingly quick thanks to our adviser David Cole. David was extremely knowledgeable and talking things through with him confirmed we were making the right decisions. Would highly recommend David.” - Sylvia</strong></p> </blockquote> <blockquote> <p><strong>“David Cole helped us through the process of Equity Release. 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We cannot thank him enough.” - Carol</strong></p> </blockquote> <blockquote> <p><strong>“Absolutely brilliant from the first meeting with David Cole to the meeting with the solicitor everything went like clockwork and I feel that if we had any concerns we could contact David anytime – excellent service and would recommend Key to anyone. - Christine Fearne </strong></p> </blockquote> <p> </p> <quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230127_COMLOGO_1674822366.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 4 => object(App\Model\Entity\Job) { 'id' => (int) 43, 'candidate_id' => (int) 148, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Switch Mortgage Finance', 'slug' => 'switch-mortgage-finance', 'description' => '<p> </p> <p>Switch Mortgage Finance are a specialist mortgage firm offering advice across the whole of the market. We excel in making the difficult look easy.</p> <p>Tell us about you and the home you’re looking to buy or remortgage, and we will handle the rest. We’re a whole-of-market broker, and have access to over 90 lenders. We even have access to exclusive mortgage products you can't get by going direct. </p> <p>We handle it all; the advice, paperwork, application, solicitors, all the way through to completion. Our aim; to complete your mortgage in the most efficient way possible.</p> <p> </p> ', 'company_logo' => '20231102_COMLOGO_1698927846.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 5 => object(App\Model\Entity\Job) { 'id' => (int) 46, 'candidate_id' => (int) 149, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Ward James Mortgages', 'slug' => 'ward-james-mortgages', 'description' => '<p>At Ward James Mortgages, we understand that each and every client has different needs and circumstances. We are committed to providing the best customer service and with access to a wide range of providers across the UK, we can ensure you receive the most competitive rate available to you, whilst ensuring the product meets your requirements.</p> <p>We do not charge a broker fee and we are whole of market.</p> <p>We aim to provide an honest, reliable, efficient and hassle-free service tailored to the unique requirements of each individual client. We make sure our advisers will manage your application from start to finish and explain each step clearly without the jargon.</p> <p>Get in touch if you require first time buyer mortgage advice, home mover mortgage advice, remortgage advice, buy to let mortgage advice, life and critical illness insurance and home insurance</p> ', 'company_logo' => '20230119_COMLOGO_1674148336.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 6 => object(App\Model\Entity\Job) { 'id' => (int) 49, 'candidate_id' => (int) 153, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 3, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 3, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Allan Johnston - Mortgage and Protection Consultant', 'slug' => 'allan-johnston-mortgage-and-protection-consultant', 'description' => '<p>I specialise in finding the right Mortgage Finance solutions for clients who are looking to buy a home or take control of their household finances and reduce expenditure on short term debt. TMFS Protection Adviser of the year 2022.</p> <quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230201_COMLOGO_1675254129.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 7 => object(App\Model\Entity\Job) { 'id' => (int) 50, 'candidate_id' => (int) 143, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 3, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 3, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Glade Financial', 'slug' => 'glade-financial', 'description' => '<h4 class="h4Pink"><strong>About Gosia:</strong></h4> <p>My mission is to make you feel confident about money and your future, to teach you to be financially savvy with the knowledge of how to manage your own money. I want to help you to change your life, secure a better future and maintain the lifestyle you want. I want to empower you to feel wealthy.</p> <h4 class="h4Pink"><strong>Glade Financial:</strong></h4> <p>At Glade Financial we offer financial planning and guidance services that fit around you and your goals. We will guide you and your family towards your truly successful financial future and deliver intelligent wealth management solutions while protecting you from the unexpected.<br /> <br /> We will begin with a free no-obligation consultation to understand your circumstances and needs and if the service we provide is right for you. Afterwards, we will prepare a report of recommendations based on the information we gathered. If you decide to go with our advice, we will take care of the fund implementation and policy administration for a fuss-free process.<br /> <br /> We can never predict the future but we can make sure you are ready for whatever the future brings. We will break down the complexity of financial management and give you the clarity and guidelines you need.</p> <h4 class="h4Pink"><strong>Our Promise:</strong></h4> <ul> <li>Putting you first, always</li> <li>Responsive to your needs</li> <li>Collaborating with you every step of the way</li> <li>Building lasting relationship</li> </ul> <p>I invite you to contact me today to find out more!</p> <p class="ParaPink"><strong>I am the director and Independent Financial Adviser at Glade Financial, which is an Appointed Representative of Julian Harris Financial Consultants, authorised and regulated by the Financial Conduct Authority No. 153566.<br /> The performance of your investments is subject to risks. Past performance and forecasts are not reliable indicators of future performance. Tax treatment depends on your individual circumstances and may change. Capital at risk.</strong></p> <p class="ParaPink"> </p> <p style="text-align:center"><img alt="" src="/webroot/img/userfiles/user_143/gd.PNG" width="1000" /></p> <quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230203_COMLOGO_1675428759.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 8 => object(App\Model\Entity\Job) { 'id' => (int) 54, 'candidate_id' => (int) 154, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'How? Financial Review', 'slug' => 'how-financial-review', 'description' => '<h2 class="h2Black" style="text-align: center;">How? Financial Review</h2> <p><strong>We provide expert mortgage and protection advice that you can trust. We take pride in offering a personal service and providing our clients with peace of mind that they are receiving quality products, tailored to their requirements and budget and that are fit for purpose.</strong></p> <p><strong>At How Financial Review (Stockport) Ltd, we offer a personal service that is convenient and worked round our client’s busy schedules. We are happy to carry out reviews and organise policies either over the telephone, virtually or face to face in the comfort of your own home. </strong></p> <p><strong>We aim to make signing up for any of our services as quick and as convenient as possible. As well as looking after our loyal base of existing clients, we provide friendly, honest advice to new clients, the majority of which come to us from word of mouth recommendations.</strong></p> <h5 class="h5Yellow" style="text-align: center;">Better Call Paul</h5> <p><img alt="better call paul protection insurance" src="/webroot/img/userfiles/user_154/bettercallpaulprotection.jpg" style="float:left" width="500" /><img alt="better call paul income protection" src="/webroot/img/userfiles/user_154/incomeprotection.jpg" style="float:right" width="500" /></p> <p><img alt="bettercallpaulincomeprotectioninsurance" src="/webroot/img/userfiles/user_154/bettercallpaulincome.jpg" style="float:right" width="500" /><img alt="bettercallpaulbusinessinsurance" src="/webroot/img/userfiles/user_154/bettercallpaulbusiness.jpg" style="float:left" width="500" /></p> <p> </p> <p> </p> <quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230208_COMLOGO_1675882092.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 9 => object(App\Model\Entity\Job) { 'id' => (int) 55, 'candidate_id' => (int) 144, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 3, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 3, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'James Parvin Mortgages', 'slug' => 'james-parvin-mortgages', 'description' => '<p style="text-align: center;"><strong>Offering a fresh, friendly and stress free approach to organising your mortgage in the UK.</strong></p> <p style="text-align: center;"><strong>Get in touch today for your fee-free, initial, no-obligation consultation to help you find a tailor made solution that's right for you and your situation.</strong></p> <h2 class="h2Green" style="text-align: center;">Hi, I am James Parvin!</h2> <p style="text-align: center;">I have been in the Financial Services industry for over 30 years. I have a Degree in Law and History. I have worked in a solicitors office, as well estate agencies as well as with Banks, such as Halifax, Tesco Bank and Santander.</p> <p style="text-align: center;">I am very experienced in understanding the full house buying/selling process from start to finish.</p> <p style="text-align: center;">I like talking to and helping people. Outside of work I enjoy volunteering having helped at the Glasgow Commonwealth Games in 2014, World Gymnastics Championships, World Badminton Championships, European Championships, to name a few, as well as Scottish Rugby and Badminton Scotland.</p> <p style="text-align: center;">My wife and I enjoy travelling be it for weekends away or to more exotic destinations such as Turkey, Spain and hopefully Australia. We also have our hands full with our 2 year old Cockapoo, Alfie!</p> <h2 class="h2Green" style="text-align: center;">Our Services</h2> <p style="text-align: center;">We provide a wide range of professional services to meet your needs. We promise to provide every service with a smile, and to your highest level of satisfaction.</p> <h5 class="h5Green" style="text-align: center;">First Time Buyers</h5> <p style="text-align: center;">As a first time home buyer we are here 100% to hold your hand through getting a mortgage as well as dealing with solicitors and estate agents.</p> <p style="text-align: center;">Want to get that straightforward and jargon free service?</p> <h5 class="h5Green" style="text-align: center;">Home mover </h5> <p style="text-align: center;">Do you think you need more space or the total opposite and want to downsize?</p> <p style="text-align: center;">Let James Parvin Mortgages talk through solutions that could help you!</p> <h5 class="h5Green" style="text-align: center;">Remortgage</h5> <p style="text-align: center;">Switching contracts and products is common in other areas of your life but is often overlooked when it comes to your current mortgage.</p> <p style="text-align: center;">We’re here to make that easy!</p> <h5 class="h5Green" style="text-align: center;">Buy to Let</h5> <p style="text-align: center;">Looking to build a Monopoly-esque property portfolio, renting your old place out or just looking to invest in your future?</p> <p style="text-align: center;">James Parvin Mortgages should be the first call you make.</p> <h5 class="h5Green" style="text-align: center;">Protection</h5> <p style="text-align: center;">Making sure you can keep your home is just as important as buying it. That’s why we’ll also look at your protection needs, such as Life Insurance and Income Protection, to make sure you can afford to keep your home should life throw you a curve ball.</p> <h5 class="h5Pink" style="text-align: center;">Your home/property may be repossessed if you do not keep up repayments on your mortgage.</h5> <h5 class="h5Pink" style="text-align: center;">*Some buy to let, let to buy mortgages and bridging finance are not regulated by the Financial Conduct Authority.</h5> <h5 class="h5Pink" style="text-align: center;">James Parvin Mortgages Ltd Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.</h5> <h5 class="h5Pink" style="text-align: center;">Registered Office: James Parvin Mortgages Ltd, 1 Heathery Lea Avenue, Coatbridge, ML5 4JT. Registered Company Number: SC734214 Registered in Scotland</h5> <p style="text-align: center;"> </p> <quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230209_COMLOGO_1675938078.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 10 => object(App\Model\Entity\Job) { 'id' => (int) 59, 'candidate_id' => (int) 160, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 1, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 1, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Mewstone Mortgage Advice', 'slug' => 'mewstone-mortgage-advice', 'description' => '<h2 class="h2Black" style="text-align: center;">EXPERIENCED MORTGAGE ADVISORS IN PLYMOUTH</h2> <p style="text-align: center;">We are a local team of 3, we were all born and raised in Plymouth. Now bringing up our own families in the area, we wanted to focus our mission around helping other families in Plymouth and surrounding areas achieve their dreams and ensure they’re protected.</p> <p style="text-align: center;">When we say we are an independent broker, we truly are. We work with the whole of market, meaning we can access lenders that aren’t on the High Street, that may be online or specialists that you wouldn’t have thought of. Unlike other brokers or your bank we can be completely unbiased about your mortgage and protection needs.</p> <p style="text-align: center;">As locals ourselves, we are heavily involved with local goings on. Nathan is a big rugby fan, and can be found playing for his local team. Charlie is a trampoline champion who loves to cook. Mark on the other hand can be found at the beach surfing away his spare time!</p> <p style="text-align: center;">Even if you aren’t local to the Plymouth area, you can still be part of the Mewstone family. We can service the whole of the UK with the help of technology.</p> <hr /> <p style="text-align:center"><img alt="mewstone mortgage advice" src="/webroot/img/userfiles/user_160/Capture.PNG" width="1355" /></p> <p> </p> <h2 class="h2Black">What we can help with:</h2> <p style="text-align:center"><img alt="mewstone mortgage advice" src="/webroot/img/userfiles/user_160/Capture2.PNG" width="1017" /></p> <p style="text-align: center;">We are passionate about our local area, we grew up here, and are now bringing our families up in the area. We want to bring everyone together in the Mewstone Family, to create that community vibe. </p> <p style="text-align:center"><img alt="mewstone mortgage adviser" src="/webroot/img/userfiles/user_160/logo-transparent-black.png" width="400" /></p> <p class="ParaPink" style="text-align: center;">Mewstone Mortgage Advice LTD (FCA ref 947355) is an appointed representative of New Leaf Distribution LTD (FCA ref 460421) which is authorised and regulated by the financial conduct authority (FCA).</p> <hr /><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230221_COMLOGO_1676984705.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 11 => object(App\Model\Entity\Job) { 'id' => (int) 60, 'candidate_id' => (int) 161, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 9, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 9, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Michael Thomas - Just Mortgages ', 'slug' => 'michael-thomas-just-mortgages', 'description' => '<p>With over 25 years’ experience in Mortgage Advice, I offer all of my clients a totally personalised and professional service in all aspects of their mortgage. Whether it be a full involvement in the purchase of a new property (including negotiating on purchase prices, dealing with chains, dealing with solicitors etc.) Or re-mortgaging your property and/or raising funds for any legal purpose. I will be your only point of contact throughout the process.</p> <hr /> <p><strong>THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME/PROPERTY. YOUR HOME OR<br /> PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE</strong>. </p> <h5 class="h5Pink" style="margin: 0cm;">Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Just Mortgages Direct Limited Registered Office: Colwyn House, Sheepen Place, Colchester, Essex, C03 3LD. Registered in England No. 2412345</h5> <quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230222_COMLOGO_1677073058.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 12 => object(App\Model\Entity\Job) { 'id' => (int) 61, 'candidate_id' => (int) 163, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Joe Manns-Benson at Largemortgageloans.com', 'slug' => 'joe-manns-benson-at-largemortgageloans-com', 'description' => '<p>Every client is unique and has different financial solutions.</p> <p>Here at largemortgageloans.com we are committed to helping clients achieve their financial goals.</p> <p>Whether you are a first-time homebuyer, homemover, investor or seeking to refinance your existing mortgage, we provide personalised advice and support every step of the way.</p> <p>We are passionate about educating clients about the mortgage process, explaining complex financial concepts in easy-to-understand terms. </p> ', 'company_logo' => '20230307_COMLOGO_1678184295.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 13 => object(App\Model\Entity\Job) { 'id' => (int) 64, 'candidate_id' => (int) 167, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'XL Financial Services Limited', 'slug' => 'xl-financial-services-limited', 'description' => '<p>I am a mortgage and protection specialist with over 34 years of Financial Services industry experience.</p> <p>Having started in high street banks in 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More recently, I have worked in the independent sector since 2001, initially as a mortgage adviser for an independent estate agent and since 2005 as an Independent Mortgage and Protection Adviser.</p> <p>I am qualified to give advice on all types of mortgage including Equity Release Schemes.</p> <p>I also specialise in looking after my clients protection needs, including life, critical illness and income protection, including any additional advice in the arranging these plans in trust (if appropriate).</p> <p>Many of my clients have been long standing clients and I am now happy to be looking after their children’s needs as they buy their own homes and start their own families.</p> <p>Most important in looking after my clients is honesty and integrity in all our dealings, something I ensure is there from the start of any new relationship.</p> <p>Whether looking for your first home, buying an investment property or looking for an Equity Release mortgage, I am happy to help with any mortgage enquiry. I liaise with all other parties involved in the house buying or remortgaging process, meaning that you have less stress and more support throughout the whole application.</p> <hr />', 'company_logo' => '20230323_COMLOGO_1679593672.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 14 => object(App\Model\Entity\Job) { 'id' => (int) 65, 'candidate_id' => (int) 168, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 2, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 2, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'UK Lending ', 'slug' => 'uk-lending', 'description' => '<p style="text-align:center"><img alt="UK lending 6" src="/webroot/img/userfiles/user_168/Uklending5.PNG" width="332" /></p> <p style="text-align: center;"><strong>We help first time buyers to professional landlords with mortgages and refinancing.</strong></p> <p style="text-align: center;"><strong>UK Lending provides holistic solutions that vary from each type of client.</strong></p> <p style="text-align: center;"><strong>Our typical client is someone who is self employed or had adverse credit in the background. These type of clients do not fit high street orders and need specialist advice which I can provide.</strong></p> <h5 class="h5Pink" style="text-align: center;"><strong>When your bank or building society says ‘No’ to your application because you don’t fit the mould, we aim to get the ‘Yes’ you’re looking for.</strong></h5> <h5 class="h5Pink" style="text-align: center;"><strong>UK Lending helps you apply for complex mortgages and property-secured loans, from specialist lenders who may well look on your application more favourably than middle-of-the-road high street lenders.</strong></h5> <p style="text-align: center;"><strong>YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE</strong></p> <hr /> <p style="text-align:center"><img alt="Uk Lending" src="/webroot/img/userfiles/user_168/Capture.PNG" width="1215" /></p> <p><img alt="Uklending buy to let" height="287" src="/webroot/img/userfiles/user_168/captir2.PNG" style="float:left" width="500" /></p> <p><img alt="Uk lending 3" height="320" src="/webroot/img/userfiles/user_168/Capture3.PNG" style="float:right" width="500" /></p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> ', 'company_logo' => '20230330_COMLOGO_1680179241.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 15 => object(App\Model\Entity\Job) { 'id' => (int) 66, 'candidate_id' => (int) 169, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Darius Stonkus @ Jones and Young', 'slug' => 'darius-stonkus-jones-and-young', 'description' => '<h5 class="h5Yellow">Jones & Young are Independent Mortgage Brokers based in Petersfield, Hampshire covering the whole of the UK.</h5> <h5 class="h5Black">Ultimately my role involves dealing with real people that have real life problems, desires and million other things going on in their everyday lives. As buying a HOME is always a BIG decision, especially if it is your first one I want to make sure that the process runs smoothly and you are informed all the way along the journey. It is especially satisfying when a person that never thought it was possible gets the keys to their property.<br /> <br /> However, we don’t just leave it there as new large financial commitments create liabilities that need to be “neutralised”. You will get an impartial and FREE advice about insurance solutions to protect your financial wellbeing that you have worked so hard for.<br /> <br /> If you are a paid via CIS, contractor, ltd director, have had a financial blip in the past or any combination of the above, I want to hear from you.<br /> However, be brave and get in touch even if you do not fit the above description as I have helped people with employed incomes as well.<br /> <br /> Just so you know there is a real person behind this profile pic ! I know crazy. When I’m not on the phone or my laptop you will find me doing pull ups and push ups, reading books about human body and parenting, eating my own cooked good food, checking the news out, posting stuff on TikTok and a bunch of other stuff.</h5> ', 'company_logo' => '20230421_COMLOGO_1682071071.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 16 => object(App\Model\Entity\Job) { 'id' => (int) 68, 'candidate_id' => (int) 170, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 4, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 4, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Ben Davies - City Finance Brokers', 'slug' => 'ben-davies-city-finance-brokers', 'description' => '<h5 class="h5Green">Impartial and independent advice on your bridging finance requirements:</h5> <ul> <li> <h5 class="h5Green">Property Finance</h5> </li> <li> <h5 class="h5Green">Property Development</h5> </li> <li> <h5 class="h5Green">Property Investment Finance</h5> </li> </ul> <h5 class="h5Pink">ben.davies@cfbrokers.co.uk</h5> <h5 class="h5Pink">07376 972 391</h5> ', 'company_logo' => '20230630_COMLOGO_1688118133.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 17 => object(App\Model\Entity\Job) { 'id' => (int) 69, 'candidate_id' => (int) 173, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Active Financial', 'slug' => 'active-financial', 'description' => '<h2 class="h2Green">The Self Employed Finance Specialists</h2> <p>At Active, we exist to help business owners, entrepreneurs and company directors to secure mortgages and protection quickly, easily and without distracting you from your business and your family. <img alt="Active Financial" src="/webroot/img/userfiles/user_173/Untitled%20design%20(20).png" style="float:right" width="200" /></p> <h2 class="h2Green">What can Active Financial do for you?</h2> <p>Go to most mortgage brokers and lenders and you’ll find that getting a mortgage as a self-employed business owner is tough.</p> <p>You’ve probably already realised that.</p> <p>The truth is that the world of mortgages isn’t set up for people who run their businesses, which can make getting a mortgage for people like you harder.</p> <p>But we can help you make it happen.</p> <p>Because we specialise in this exact area, we know what other brokers don’t.</p> <h2>How Do Active help you?</h2> <p>Over the years we’ve worked with business owners, we’ve built a strategic process that gives you the best chance of getting the finance that suits you and your families circumstances.</p> <p>We call it the ACTIVE framework, and it works, time and time again.</p> <p>No matter what type of finance you’re looking for, the framework serves to secure the best deal for you, as quickly and efficiently as possible.</p> <p>We know what buttons to press, what products to apply for and exactly how you need to get your ducks in a row in order to achieve the finance you need for the home you want.</p> <p>Whether you’re looking for your first home, your forever home, to invest in property, or protect your business or family, we can help, by putting you on the right track towards acceptance, and dealing with the entire process, so you can focus on doing what you do best.</p> <p>When you work with Active, we reduce your stress and save you time.</p> <p>No longer do you have to ring around to try and find lenders who might service you, or spend hours on the phone to brokers.</p> <h2>Why are Active Financial so good at helping people like you?</h2> <p>Because we <strong>ARE</strong> people like you. Here’s our founder Gary’s story:</p> <blockquote> <p class="Quotation14Green">I qualified to provide mortgage advice in 2002, launching Active Mortgage in 2008. But it wasn’t until in 2015, we realised firsthand how hard it is to get a mortgage when you’re self-employed. My wife Ayesha was a sole trader at the time, and I was running Active, and we wanted to buy our own home. Which – as you’ll know – is easier said than done. We really struggled to find a mortgage, and when we did get one, it didn’t really add maximum value, nor did it give us a competitive interest rate. At that point it became my mission to ensure that business owners, company directors, people like me and you – people who risk it all to create something greater and better – are able to secure the perfect mortgage without the stress and worry that I went through.</p> </blockquote> <h2>What’s the next step?</h2> <p>The first step to securing any form of finance is a strategy call, where we can help define your financial goals and understand your circumstances.</p> <p>The outcome is always positive, if we can’t help you with finance now, we’ll help you prepare to maximise your chances in the future.</p> <p>In the mortgage world, failing to prepare is preparing to fail, which is why we recommend that you get in touch with us as soon as possible, even if you’re 1-2 years out from applying for your mortgage.</p> <p>The sooner you get in touch, the higher our chances of being able to help you.</p> ', 'company_logo' => '20230704_COMLOGO_1688476289.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 18 => object(App\Model\Entity\Job) { 'id' => (int) 73, 'candidate_id' => (int) 188, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Spellman Financial Services', 'slug' => 'spellman-financial-services', 'description' => '<p>Spellman Financial Services are Mortgage Advisors servicing the people of Coventry and Warwickshire. </p> <p>We pride ourselves on delivering an excellent service and expert right first time advice. We can deal with every area of Mortgage Advice, and provide associated insurance advice on products to protect you and your home.</p> <p>Spellman Financial Services is owned and managed by Luke Spellman, who has more than 10 years experience in Mortgage Advising and within Financial Services.</p> ', 'company_logo' => '20230905_COMLOGO_1693919450.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 19 => object(App\Model\Entity\Job) { 'id' => (int) 76, 'candidate_id' => (int) 190, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Capital 8 Finance', 'slug' => 'capital-8-finance', 'description' => '<p>At Capital 8 Finance we pride ourselves on offering the most appropriate and cost-effective form of finance to meet our clients demands and requirements. Whether our client is a new start-up business, borrowing funds to expand or a property investor adding to an existing portfolio or simply someone looking to buy their first home, we treat all of our customers with the utmost respect and professionalism.</p> <p>We do not charge upfront fees for our initial consultation and advice as this is given freely on a no obligation basis.</p> <p>We understand and appreciate that each business is different and every client shall have their own unique situation and circumstances. So, whether out clients require finance to purchase and develop property, start-up a new venture, bridging finance to fund a short-term shortfall, additional funding to grow their business, asset and vehicle finance or even a mortgage, we will deliver a comprehensive suite of products and solutions to meet our clients’ needs.</p> <p>Capital 8 Finance are an independent specialist consultancy providing commercial and business finance support to SME clients throughout the entire UK. Whether your business is well established or a new start we can support you with:</p> <ul> <li>Asset Finance</li> <li>Business Loans</li> <li>Commercial Mortgages</li> <li>Invoice Finance</li> <li>Stock and Trade Finance</li> <li>Revolving Credit Facilities</li> <li>Merchant Cash Advance</li> </ul> <p>As a specialist broker, we also support property developers by sourcing finance for their developments and projects and assist landlords grow their property portfolios with:</p> <ul> <li>Buy-to-let Mortgages</li> <li>Specialist Mortgages</li> <li>Bridging Finance</li> <li>Property Development & Refurbishment Finance</li> <li>Mezzanine Finance</li> <li>Joint Venture (JV) Finance</li> </ul> <p>But that’s not all, we also can help with your mortgage needs. We can help arrange mortgages for:</p> <ul> <li>First Time Buyers</li> <li>People Moving Home</li> <li>Re-Mortgaging</li> <li>Regulated Bridging Finance</li> </ul> <p>At Capital 8 Finance we are genuinely independent, wholly impartial and we will offer straightforward honest advice, given freely and without obligation. Through our established lender partner network, we give you immediate access to over 300 UK based lenders and private banks. All our lending partners have funds available to lend and are genuinely still keen to support the right proposition and provide a genuine and viable alternative to the High Street lenders.</p> <p>When your own bank has failed to offer the support, you need to call us. We will quickly assess all the available options for you, and we will do everything possible to find a workable and affordable business solution.</p> <p>Time and again we prove to our clients that we can secure funding where others fail and, in most cases, our advice will save you very significant amounts of money over the course of the loan. The majority of specialist lenders in the current marketplace will only accept qualified and packaged mortgage and loan proposals from specialist brokers such as ourselves.</p> ', 'company_logo' => '20230915_COMLOGO_1694789097.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 20 => object(App\Model\Entity\Job) { 'id' => (int) 86, 'candidate_id' => (int) 236, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'HF ASSOCIATES', 'slug' => 'hf-associates', 'description' => '<p> <style type="text/css"><!--td {border: 1px solid #cccccc;}br {mso-data-placement:same-cell;}--> </style> Helen Ferneyhough Associates, based in Wigan, offers expert mortgage and protection services to help you make a smart move in the housing market. With hand-picked advisers and a personalised approach, we have assisted clients in achieving their dream homes since 2006.</p> <p>As part of Just Mortgages Direct Limited, an appointed representative of The Openwork Partnership, we have access to a vast network of over 4,500 advisers, ensuring you receive the best advice tailored to your individual circumstances.</p> <p>Whether you're a first-time buyer, looking for equity release, or seeking protection, we're here to guide you every step of the way. 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You are a busy person, and we understand that. That is why we have enabled multiple ways you can get in touch with us, and ways to manage your case from Enquiry to Completion.</p> <p>We can look after you over the phone, face to face or even via Web Meetings. We want to be there for you when you need us, not when it suits us! 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reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 23 => object(App\Model\Entity\Job) { 'id' => (int) 94, 'candidate_id' => (int) 248, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Friends Capital', 'slug' => 'friends-capital', 'description' => '<h1>We make peoples dreams come true</h1> <p><strong>Friends Capital are independent mortgage specialists, offering unbiased advice.</strong></p> <p><strong>Our key principles 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[[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 24 => object(App\Model\Entity\Job) { 'id' => (int) 103, 'candidate_id' => (int) 274, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Delato Finance Ltd', 'slug' => 'delato-finance-ltd', 'description' => '<h1 data-custom-font="" data-is-italic-supported="" data-line-height="" data-old-bold="true"> </h1> <h1 data-custom-font="" data-is-italic-supported="" data-line-height="" data-old-bold="true">Your Gateway to Property Finance</h1> <p> </p> <h2 data-custom-font="" data-is-italic-supported="" data-line-height="">Unlocking Opportunities with Tailored 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We can make your dreams come true!', (int) 32 => '668,675,613,600,621,615,592,653,631,609,605', (int) 49 => '643', (int) 53 => 'Our initial advice is free, we may charge a fee when we arrange the mortgage for you', (int) 50 => '545,546,547', (int) 60 => '598', (int) 51 => '550', (int) 35 => '8' ], (int) 103 => [ (int) 15 => '594', (int) 59 => '14 Chalfont Court, Upper Priory Street, Northampton NN1 2TW', (int) 19 => 'info@delato-finance.co.uk', (int) 17 => '01604389127', (int) 20 => 'www.delato-finance.co.uk', (int) 48 => '539,540', (int) 55 => '567,556,569', (int) 61 => '636,637,638', (int) 52 => 'We specialize in commercial mortgages, property development finance, and bridging loans as well as buy to let mortgages. Our team is dedicated to offering personalized financial solutions, ensuring you achieve your property goals efficiently and effectively.', (int) 49 => '677', (int) 53 => 'If your enquiry results in a mortgage / loan agreement in principle or the submission of a full mortgage / loan application , there will be an arrangement fee of £250 payable. There is a completion fee of 0.75% of the mortgage loan payable on successful completion of the loan / mortgage.', (int) 50 => '545,546,547', (int) 60 => '640', (int) 51 => '596', (int) 35 => '8' ] ] $pcf_values_all = [ (int) 538 => 'Later life', (int) 539 => 'Mortgages', (int) 540 => 'Commercial', (int) 541 => 'Insurance', (int) 542 => 'Initial or Ongoing Consultation Fees', (int) 543 => 'Free Consultations', (int) 555 => 'Inheritance Tax Planning', (int) 556 => 'Buy to Let', (int) 557 => 'Business Protection', (int) 558 => 'Care Plans', (int) 560 => 'International Wealth Management', (int) 561 => 'Retirement Planning', (int) 562 => 'Protection', (int) 563 => 'Investment Planning', (int) 564 => 'Trusts', (int) 565 => 'Will Writing', (int) 566 => 'Wealth Management', (int) 567 => 'Bridging Loans', (int) 568 => 'Commercial Finance', (int) 569 => 'Development Loans', (int) 570 => 'Equity Release', (int) 571 => 'First Time buyer', (int) 572 => 'High Net-Worth Mortgages', (int) 573 => 'Home Mover Mortgages', (int) 574 => 'New Build Home Mortgages', (int) 575 => 'Remortgage', (int) 576 => 'Second Charge Loans', (int) 577 => 'Self-employed mortgages', (int) 578 => 'Business Whole of Life', (int) 579 => 'Critical Illness cover', (int) 580 => 'Health Insurance', (int) 581 => 'Home insurance', (int) 582 => 'Income Protection', (int) 583 => 'Key man Insurance', (int) 584 => 'Landlord Insurance', (int) 585 => 'Shareholder protection insurance', (int) 586 => 'Whole of Life Insurance', (int) 587 => 'Estate Planning', (int) 588 => 'Power of Attorney', (int) 589 => 'Probate Services', (int) 590 => 'Trusts', (int) 591 => 'Will Writers', (int) 630 => 'Financial', (int) 641 => 'Life Insurance', (int) 642 => 'Pension Transfers', (int) 643 => 'No obligation consultation', (int) 677 => 'Initial fee free consultation', (int) 681 => 'Mortgage Capacity Reports' ] $towns_list = [ (int) 0 => object(App\Model\Entity\Town) { 'id' => (int) 7428, 'name' => 'Canary Wharf', 'slug' => 'canary-wharf-greater-london-537637', 'county' => 'Greater London', 'county_slug' => 'greater-london-london', 'nuts_region' => 'London', 'nuts_region_slug' => 'london-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ376801', 'easting' => (int) 537637, 'northing' => (int) 180159, 'latitude' => (float) 51.50361, 'longitude' => (float) -0.01833, 'elevation' => (int) 39, 'postcode_sector' => 'E14 5', 'local_government_area' => 'Tower Hamlets', 'type' => 'Suburban Area', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 1 => object(App\Model\Entity\Town) { 'id' => (int) 8178, 'name' => 'Chaddlewood', 'slug' => 'chaddlewood-devon-255440', 'county' => 'Devon', 'county_slug' => 'devon-south-west', 'nuts_region' => 'South West', 'nuts_region_slug' => 'south-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SX554562', 'easting' => (int) 255440, 'northing' => (int) 56231, 'latitude' => (float) 50.38815, 'longitude' => (float) -4.0349, 'elevation' => (int) 65, 'postcode_sector' => 'PL7 2', 'local_government_area' => 'City of Plymouth', 'type' => 'Suburban Area', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 2 => object(App\Model\Entity\Town) { 'id' => (int) 8510, 'name' => 'Chedzoy', 'slug' => 'chedzoy-somerset-333982', 'county' => 'Somerset', 'county_slug' => 'somerset-south-west', 'nuts_region' => 'South West', 'nuts_region_slug' => 'south-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'ST339375', 'easting' => (int) 333982, 'northing' => (int) 137501, 'latitude' => (float) 51.13296, 'longitude' => (float) -2.94489, 'elevation' => (int) 10, 'postcode_sector' => 'TA7 8', 'local_government_area' => 'Sedgemoor District', 'type' => 'Village', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 3 => object(App\Model\Entity\Town) { 'id' => (int) 8531, 'name' => 'Chelmsford', 'slug' => 'chelmsford-essex-570897', 'county' => 'Essex', 'county_slug' => 'essex-eastern', 'nuts_region' => 'Eastern', 'nuts_region_slug' => 'eastern-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TL708071', 'easting' => (int) 570897, 'northing' => (int) 207155, 'latitude' => (float) 51.73705, 'longitude' => (float) 0.47361, 'elevation' => (int) 29, 'postcode_sector' => 'CM1 1', 'local_government_area' => 'Chelmsford District', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 4 => object(App\Model\Entity\Town) { 'id' => (int) 9571, 'name' => 'Coatbridge', 'slug' => 'coatbridge-lanarkshire-273102', 'county' => 'Lanarkshire', 'county_slug' => 'lanarkshire-scotland', 'nuts_region' => 'Scotland', 'nuts_region_slug' => 'scotland-scotland', 'country' => 'Scotland', 'country_slug' => 'scotland', 'grid_reference' => 'NS731651', 'easting' => (int) 273102, 'northing' => (int) 665104, 'latitude' => (float) 55.86236, 'longitude' => (float) -4.02914, 'elevation' => (int) 84, 'postcode_sector' => 'ML5 3', 'local_government_area' => 'North Lanarkshire', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 5 => object(App\Model\Entity\Town) { 'id' => (int) 10355, 'name' => 'Corringham', 'slug' => 'corringham-essex-569985', 'county' => 'Essex', 'county_slug' => 'essex-eastern', 'nuts_region' => 'Eastern', 'nuts_region_slug' => 'eastern-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ699835', 'easting' => (int) 569985, 'northing' => (int) 183562, 'latitude' => (float) 51.52539, 'longitude' => (float) 0.44897, 'elevation' => (int) 24, 'postcode_sector' => 'SS17 7', 'local_government_area' => 'Thurrock', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 6 => object(App\Model\Entity\Town) { 'id' => (int) 10579, 'name' => 'Coventry', 'slug' => 'coventry-west-midlands-433644', 'county' => 'West Midlands', 'county_slug' => 'west-midlands-west-midlands', 'nuts_region' => 'West Midlands', 'nuts_region_slug' => 'west-midlands-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SP336789', 'easting' => (int) 433644, 'northing' => (int) 278970, 'latitude' => (float) 52.40771, 'longitude' => (float) -1.50686, 'elevation' => (int) 91, 'postcode_sector' => 'CV1 5', 'local_government_area' => 'Coventry District', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 7 => object(App\Model\Entity\Town) { 'id' => (int) 13073, 'name' => 'Dundee', 'slug' => 'dundee-city-of-dundee-340093', 'county' => 'City of Dundee', 'county_slug' => 'city-of-dundee-scotland', 'nuts_region' => 'Scotland', 'nuts_region_slug' => 'scotland-scotland', 'country' => 'Scotland', 'country_slug' => 'scotland', 'grid_reference' => 'NO400300', 'easting' => (int) 340093, 'northing' => (int) 730009, 'latitude' => (float) 56.45841, 'longitude' => (float) -2.97367, 'elevation' => (int) 16, 'postcode_sector' => 'DD1 4', 'local_government_area' => 'Dundee City', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 8 => object(App\Model\Entity\Town) { 'id' => (int) 13095, 'name' => 'Dungannon', 'slug' => 'dungannon-county-tyrone-279738', 'county' => 'County Tyrone', 'county_slug' => 'county-tyrone-northern-ireland', 'nuts_region' => 'Northern Ireland', 'nuts_region_slug' => 'northern-ireland-northern-ireland', 'country' => 'Northern Ireland', 'country_slug' => 'northern-ireland', 'grid_reference' => 'H797619', 'easting' => (int) 279738, 'northing' => (int) 361982, 'latitude' => (float) 54.5, 'longitude' => (float) -6.77, 'elevation' => (int) 71, 'postcode_sector' => 'BT71 7', 'local_government_area' => 'Mid Ulster', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 9 => object(App\Model\Entity\Town) { 'id' => (int) 14754, 'name' => 'Fallin', 'slug' => 'fallin-stirling-and-falkirk-283520', 'county' => 'Stirling and Falkirk', 'county_slug' => 'stirling-and-falkirk-scotland', 'nuts_region' => 'Scotland', 'nuts_region_slug' => 'scotland-scotland', 'country' => 'Scotland', 'country_slug' => 'scotland', 'grid_reference' => 'NS835917', 'easting' => (int) 283520, 'northing' => (int) 691716, 'latitude' => (float) 56.10397, 'longitude' => (float) -3.87431, 'elevation' => (int) 13, 'postcode_sector' => 'FK7 7', 'local_government_area' => 'Stirling', 'type' => 'Village', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 10 => object(App\Model\Entity\Town) { 'id' => (int) 15510, 'name' => 'Folkestone', 'slug' => 'folkestone-kent-622846', 'county' => 'Kent', 'county_slug' => 'kent-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TR228361', 'easting' => (int) 622846, 'northing' => (int) 136189, 'latitude' => (float) 51.08172, 'longitude' => (float) 1.18028, 'elevation' => (int) 26, 'postcode_sector' => 'CT20 1', 'local_government_area' => 'Shepway District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 11 => object(App\Model\Entity\Town) { 'id' => (int) 23649, 'name' => 'Knutsford', 'slug' => 'knutsford-cheshire-375123', 'county' => 'Cheshire', 'county_slug' => 'cheshire-north-west', 'nuts_region' => 'North West', 'nuts_region_slug' => 'north-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SJ751785', 'easting' => (int) 375123, 'northing' => (int) 378529, 'latitude' => (float) 53.30312, 'longitude' => (float) -2.37476, 'elevation' => (int) 68, 'postcode_sector' => 'WA16 0', 'local_government_area' => 'Cheshire East', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 12 => object(App\Model\Entity\Town) { 'id' => (int) 24578, 'name' => 'Leyland', 'slug' => 'leyland-lancashire-354177', 'county' => 'Lancashire', 'county_slug' => 'lancashire-north-west', 'nuts_region' => 'North West', 'nuts_region_slug' => 'north-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SD541216', 'easting' => (int) 354177, 'northing' => (int) 421644, 'latitude' => (float) 53.68922, 'longitude' => (float) -2.69536, 'elevation' => (int) 46, 'postcode_sector' => 'PR25 3', 'local_government_area' => 'South Ribble District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 13 => object(App\Model\Entity\Town) { 'id' => (int) 26025, 'name' => 'London', 'slug' => 'london-greater-london-532473', 'county' => 'Greater London', 'county_slug' => 'greater-london-london', 'nuts_region' => 'London', 'nuts_region_slug' => 'london-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ324812', 'easting' => (int) 532473, 'northing' => (int) 181219, 'latitude' => (float) 51.51437, 'longitude' => (float) -0.09229, 'elevation' => (int) 31, 'postcode_sector' => 'EC2V 8', 'local_government_area' => 'City of London', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 14 => object(App\Model\Entity\Town) { 'id' => (int) 30211, 'name' => 'Newcastle-under-Lyme', 'slug' => 'newcastle-under-lyme-staffordshire-384799', 'county' => 'Staffordshire', 'county_slug' => 'staffordshire-west-midlands', 'nuts_region' => 'West Midlands', 'nuts_region_slug' => 'west-midlands-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SJ847460', 'easting' => (int) 384799, 'northing' => (int) 346008, 'latitude' => (float) 53.01116, 'longitude' => (float) -2.22801, 'elevation' => (int) 133, 'postcode_sector' => 'ST5 1', 'local_government_area' => 'Newcastle-under-Lyme District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 15 => object(App\Model\Entity\Town) { 'id' => (int) 32393, 'name' => 'Oxted', 'slug' => 'oxted-surrey-539389', 'county' => 'Surrey', 'county_slug' => 'surrey-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ393528', 'easting' => (int) 539389, 'northing' => (int) 152880, 'latitude' => (float) 51.25805, 'longitude' => (float) -0.0038, 'elevation' => (int) 105, 'postcode_sector' => 'RH8 0', 'local_government_area' => 'Tandridge District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 16 => object(App\Model\Entity\Town) { 'id' => (int) 32424, 'name' => 'Paddock Wood', 'slug' => 'paddock-wood-kent-567086', 'county' => 'Kent', 'county_slug' => 'kent-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ670451', 'easting' => (int) 567086, 'northing' => (int) 145186, 'latitude' => (float) 51.18149, 'longitude' => (float) 0.38921, 'elevation' => (int) 16, 'postcode_sector' => 'TN12 6', 'local_government_area' => 'Tunbridge Wells District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 17 => object(App\Model\Entity\Town) { 'id' => (int) 33455, 'name' => 'Petersfield', 'slug' => 'petersfield-hampshire-474632', 'county' => 'Hampshire', 'county_slug' => 'hampshire-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SU746232', 'easting' => (int) 474632, 'northing' => (int) 123266, 'latitude' => (float) 51.00395, 'longitude' => (float) -0.93771, 'elevation' => (int) 66, 'postcode_sector' => 'GU32 3', 'local_government_area' => 'East Hampshire District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 18 => object(App\Model\Entity\Town) { 'id' => (int) 34494, 'name' => 'Preston', 'slug' => 'preston-lancashire-354046', 'county' => 'Lancashire', 'county_slug' => 'lancashire-north-west', 'nuts_region' => 'North West', 'nuts_region_slug' => 'north-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SD540295', 'easting' => (int) 354046, 'northing' => (int) 429582, 'latitude' => (float) 53.76055, 'longitude' => (float) -2.69853, 'elevation' => (int) 44, 'postcode_sector' => 'PR1 2', 'local_government_area' => 'Preston District', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 19 => object(App\Model\Entity\Town) { 'id' => (int) 37478, 'name' => 'Sheffield', 'slug' => 'sheffield-south-yorkshire-435449', 'county' => 'South Yorkshire', 'county_slug' => 'south-yorkshire-yorkshire-and-the-humber', 'nuts_region' => 'Yorkshire and the Humber', 'nuts_region_slug' => 'yorkshire-and-the-humber-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SK354874', 'easting' => (int) 435449, 'northing' => (int) 387427, 'latitude' => (float) 53.38251, 'longitude' => (float) -1.46854, 'elevation' => (int) 83, 'postcode_sector' => 'S1 1', 'local_government_area' => 'Sheffield District', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 20 => object(App\Model\Entity\Town) { 'id' => (int) 46508, 'name' => 'Whiteley', 'slug' => 'whiteley-hampshire-452343', 'county' => 'Hampshire', 'county_slug' => 'hampshire-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SU523093', 'easting' => (int) 452343, 'northing' => (int) 109365, 'latitude' => (float) 50.88141, 'longitude' => (float) -1.25733, 'elevation' => (int) 26, 'postcode_sector' => 'PO15 7', 'local_government_area' => 'Fareham District', 'type' => 'Locality', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 21 => object(App\Model\Entity\Town) { 'id' => (int) 46788, 'name' => 'Wigan', 'slug' => 'wigan-greater-manchester-358372', 'county' => 'Greater Manchester', 'county_slug' => 'greater-manchester-north-west', 'nuts_region' => 'North West', 'nuts_region_slug' => 'north-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SD583056', 'easting' => (int) 358372, 'northing' => (int) 405618, 'latitude' => (float) 53.54554, 'longitude' => (float) -2.62969, 'elevation' => (int) 52, 'postcode_sector' => 'WN1 1', 'local_government_area' => 'Wigan District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' } ] $custom_field_list = [ (int) 39 => 'Adviser Information', (int) 1 => 'Company Name ', (int) 15 => 'Company Type', (int) 28 => 'Company Registration No', (int) 36 => 'Street (Registered Address) ', (int) 37 => 'Registered Town / City', (int) 38 => 'Registered Post Code', (int) 41 => 'Same As Above - CF ', (int) 16 => 'Street (Trading Address)', (int) 3 => 'City / Town', (int) 29 => 'Post Code', (int) 58 => 'The Financial Services Register', (int) 45 => 'FCA Reg No', (int) 47 => 'Exempt Professional Firm', (int) 18 => 'Contact Details', (int) 19 => 'Email Address', (int) 17 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object(App\Model\Entity\Package) {}, 'JobReviews' => [], 'JobDetails' => [ 'Company Name ' => 'Delato Finance Ltd', 'Company Type' => 'Non-FCA', 'Email Address' => 'info@delato-finance.co.uk', 'Contact Tel No' => '01604389127', 'Website' => 'www.delato-finance.co.uk', 'What products do you advise on?' => 'Mortgages, Commercial', 'Mortgage & Loan' => 'Bridging Loans, Buy to Let, Development Loans', 'Commercial' => 'Bridging Loans, Commercial Finance, Development Loans', 'Headline Description' => 'We specialize in commercial mortgages, property development finance, and bridging loans as well as buy to let mortgages. 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SUNNY IN-MAIL
Initial fee free consultation
Our website offers information about financial products such as investing, savings, equity release, mortgages, and insurance. None of the information on Sunny Avenue constitutes personal advice. Sunny Avenue does not offer any of these services directly and we only act as a directory service to connect you to the experts. If you require further information to proceed you will need to request advice, for example from the financial advisers listed. If you decide to invest, read the important investment notes provided first, decide how to proceed on your own basis, and remember that investments can go up and down in value, so you could get back less than you put in.
Think carefully before securing debts against your home. A mortgage is a loan secured on your home, which you could lose if you do not keep up your mortgage payments. Check that any mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.
We are an information-only website and aim to provide the most up-to-date information as possible. We cannot accept liability if things go wrong. Please email us at hello@sunnyavenue.co.uk if you see anything that needs updating and we will do so ASAP.
The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All the advisers we work with are fully qualified to provide advice in their areas and we only list firms that are authorised and regulated by the Financial Conduct Authority otherwise it is clearly stated that we are unable to verify their FCA status.
Sunny Avenue is not regulated by the FCA as we do not provide any financial services or advice. We act as a directory service for financial professionals.
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