The Background
Hanley Mortgages was set up in 2002 with the sole purpose of serving the IFA and Intermediary/Introducer community in the mortgage market. We are dedicated to that channel. We do not advertise. We receive all of our business via third party referrals.

Most clients need professional mortgage advice to run in tandem with their overall financial planning. When reviewing their investment or pension planning, clients should also review their present mortgage arrangements. To that end Hanley Mortgages was established to take referrals from other professionals who might not Have the time or inclination to advise on mortgages, Be registered to advise on mortgages, Have the time to keep abreast of a rapidly changing market with over 200 lenders offering over 4000 products

The Company
Hanley Mortgages offers mortgage advice only. We do not offer Investment, Pension, Buildings and Contents advice etc. We are registered with the FSA to give mortgage advice from 31st October 2004.

This is a family business run by Tracey and Richard Turner, both of whom are qualified. Tracey has 15 years experience in recommending and advising on mortgages. Richard was an IFA for some years before joining Tracey to establish the company.

The Method
All of our advice is offered over the telephone or by email.  Clients are also welcome to visit us at our offices in Hanley Swan.  Working this way helps to keep our fees down and offers greater value for money to your clients.

We are independent advisers.  Our software helps us to focus in on schemes that are available from all the different lenders in the UK.  Tracey’s huge knowledge, linked with her relationship with the lenders (developed over a long period of time), helps to place the more difficult enquiries efficiently and without fuss.

We contact referrals quickly, take our time to understand their background and mortgage objectives and tailor our report specifically to their needs.  We tell the client the product we are recommending and the reason why.  We do not offer them a panel and ask them to pick.

Fees
We feel that we can be truly independent if we charge a fee.  We value our time and professionalism.  To that end we charge a fee if a client instructs us to act on their behalf to research, recommend and report. The fee is £295.

However, with all enquiries we offer a free initial conversation to determine whether we can be of assistance to your client and whether they wish to utilise our services.

In most cases we are able to provide an agreement of the loan from the most appropriate lending source prior to any formal instruction.

Why do you need Hanley Mortgages?
> We help you add value to your clients overall financial position.
> Further enhance your reputation with the client
> Reduce your exposure to other professionals offering the same or similar services
> Save time
> We act on your behalf as well as the client.
> Superb personal and friendly service by a local business who care.
> Save money…no costs of regulation etc
> Experience and proven customer care
> No pressure sales and no insurance or investment sales
> We can obtain deals that are not always available on the High Street
> Specialists for the Self-employed, Directors and HNW clients
> Service dedicated to intermediaries like yourself
> Registered direct with the FSA; not bound by any agreements
with Mortgage Clubs or panel lending.


Why do your clients need Hanley Mortgages?
> Peace of mind. Qualified independent advice recommended to them by you.
> Reduces the client exposure to the possibility of poor advice
> Speed of service
> Truly independent. Willing to pay a fee for unbiased non commission orientated recommendations
> Search the marketplace for the right product to fit circumstances.
> Experience…help the client avoid unforeseen penalties and to check and understand
the small print.
> Fees mean that clients join the club and will receive free regular reviews
> Help the client make a fully informed decision with the help of an understandable report.

What types of mortgage can we arrange?
> House purchase
> Remortgage
> Buy to Let and Let to Buy
> Capital raising
> Properties abroad
> Equity release
> Adverse credit and debt consolidation
> Business finance for purchase, expansion, capital assets etc.

So, who’s happy with our service so far?
> Kingscott Dix Chartered Accountants
> Crowther Beard Chartered Accountants
> Cole Bishop Chartered Accountants
> Stamfords Chartered Accountants
> The Haven Partnership
> Fisher and Co
> Corporate Financial Services
> Armstrong and Co IFA
> FPM Financial Services
> Crowther Beard Financial Planning
> John Curtis IFA
> Border Estates
> Friar Street Insurance
> AWS Accountancy Services
> And of course existing client referrals.