As an Independent Mortgage & Protection Advisor, I consider all circumstances and statuses and specialise in advising on and arranging:Residential mortgages for First-Time buyers and Home Movers, whether relocating, up- or down-sizing.Residential remortgages either for better rates or to release funds for debt-consolidation, raising deposits for other purchases, home-improvements or other legal purposesMortgages or remortgages on foreign and holiday homesMortgages or remortgages on Buy to Let properties either in personal name or that of a limited CompanySecond charge Mortgages on either Residential or Buy to Let properties where this is more cost-effective or suitable than remortgaging. This applies especially where fund-raising is required but it is not advisable to refinance the existing mortgage.Commercial mortgages to purchase or refinance commercial premises or mixed use developmentsCommercial loans to acquire trading assets, vehicle, tools, etc.Bridging Finance to acquire new property, either residential or Buy to LetDevelopment Finance to assist in purchase of land and/or meet the cost of renovations or buildings.Commercial, property and personal insurance, life assurance, critical illness and income protection.Company incorporationsI am also Company Director for LEAF Services, which is both a B2B service and a Utility Broker, and of MyStream Agency Ltd, which focuses on IT R&D and cyber security, etc.Finally, I am Company Secretary for a number of family-owned businesses.