Our Advisers

At Linear we have fully qualified Financial Advisers, located across the country.

Our Advisers give clear, honest advice

We give clear honest advice, which means we find the right mortgage and protection policies to suit your needs. Our advisers will ensure you understand the difference between the types of mortgages on offer (repayment, interest-only, fixed, tracker, cash back and variable) and will give you honest advice on the best deal for you.

Our Advisers have access to lenders representative of the whole of market

Linear Advisers have access to lenders representative of the whole of market. They also have access to exclusive schemes not commonly available. Our expert Advisers will use their detailed knowledge of the mortgage market to advise you on how much each lender will be prepared to lend you. They will provide guidance on the numerous mortgage products available, review the charges each lender makes, and compare the service quality between providers.

Our Advisers offer face to face advice

We believe that face to face advice is the best you can get. Meeting you, understanding your needs and aspirations, and having the time to talk through them with you, helps us to get the very best mortgage and most suitable  protection products for you. Call our expert advisers today to book a no obligation financial review.

Our Advisers offer a Premier Mortgage Service

Linear offer a premier mortgage service navigating you through the house purchase process step by step. The service also involves a full mortgage and protection review providing advice not only on which mortgage to choose but also on how to best protect your home, family and income should the unexpected happen.

When buying a property, We will put you in the best possible position by issuing you with a Mortgage Certificate, and where appropriate, a decision in principle from a specific lender. Subject to status We can recommend protection for your home, family and income, as your mortgage is likely to be your biggest financial commitment. We can recommend and instruct a reliable solicitor on your behalf. This may save you money and unnecessary stress.. We'll submit your mortgage application, usually electronically and apply for your buildings and contents insurance online in just a few minutes. Your Linear Financial Adviser will make sure that your mortgage and protection applications proceed as smoothly as possible by liaising with all third parties, saving you time and effort. When your mortgage offer has been issued, we will help to explain all the terms and conditions to you and check to ensure they accurately match your requirements. Pre exchange and completion checks will be made to help ensure nothing has been missed that may cause a delay. Following the completion of your mortgage, our service team will call you to ensure you are happy with our service and to answer any questions that you may have concerning your mortgage and protection products. We'll keep in contact with you and arrange regular mortgage and protection reviews to ensure you continue to benefit from competitive products.

Our Advisers will help you budget

We'll help you budget, making sure it all adds up for when you move in to your new home. It's no secret that buying a home is expensive, but it's not only the money for the mortgage payments that you have to think about, there are also many other one-off costs to consider. Buying a home takes careful planning, you need to know all the costs before you go ahead as they are not always obvious. Our likely one-off costs guide will give you an idea of what's involved, although our expert mortgage advisers will do a detailed cost planner for you.

Your home may be repossessed if you do not keep up repayments on your mortgage.

There will be a £ 75 administration fee payable on application. There may also be a fee for mortgage advice, the charging of such a fee will depend on your circumstances, but we estimate that it will be 1% of the loan amount (ie: £1,000 on a £100,000 mortgage)