Circle Trust have access to the entire mortgage market – therefore we are not restricted to who we recommend.

Our advice is totally impartial and is based upon sourcing the most appropriate lender and product. This means the best product for the term, not just the initial years. Our recommendation will consider your circumstances, flexibility, cost, and future plans.

There are literally thousands of mortgages available in the market at any one time and they change regularly - therefore as a consumer it can be incredibly challenging.

Circle Trust provides expert insight to our clients, establishing the most appropriate lender and product in each individual scenario. Our advice and support extend to making sure the application is placed in the best possible way, avoiding unnecessary delays and complications.

We understand that whether you're buying a home to live in, purchasing a property can be a stressful period. Therefore, at Circle Trust, our commitment is to ensure the application is dealt with by one of the Directors from initial enquiry through to completion.

We can provide advice and recommendations for all types of mortgages including:
 

• First Time Buyer
• Home Mover Purchase
• Re-Mortgages
• Buy-to-Let
• Self Employed
• Help to Buy
• Bridging Finance

Circle Trust have access to all lenders in the buy to let sector. With increasing regulation and complexity in the market, we provide clarity to help select the best lender.

Whether our clients have one property or a portfolio we can analyse all key factors including rental value, loan size and property value to ensure the most competitive product is selected.

The ‘buy to let’ offering extends to clients looking for mortgages specific for ‘houses of multiple occupancy’ (HMOs)

We have access to expert advice with regards to the most tax efficient way to manage investment properties.

Circle Trust are an NACFB associate member commercial finance broker.

Circle Trust have access to, and can secure premises finance, bridging finance and property development finance.

Our specialist lender relationships enable us to provide advice for a wide range of commercial and development projects, including:

• Refurbishment loans
• Conversion loans
• Housing development loans/ New build schemes
• Mixed residential and business property finance
• Bridging loans

Circle Trust take pride in making sure that our clients are fully protected. Every step is taken to ensure that we recommend a ‘fully protected mortgage’ – however we understand that this needs to be balanced within a sensible budget.

We will tailor any recommendation to meet specific needs and requirements. For example, the way in which a plan is structured can differ depending upon whether an individual is employed or self-employed. As part of any recommendation we will seek the most tax efficient route.

Different insurers can take a different view on an individuals lifestyle or health therefore impacting the cost.  Circle Trust have access to the most competitive insurance companies in the market, and will ensure any cover is fully underwritten.

Circle Trust can organise the following types of cover:

• Life Insurance        
• Decreasing Term Assurance
• Critical Illness Cover
• Family Income Benefit
• Permenant Health Insurance
• Accident Sickness and Unemployment

Circle Trust can search from a preferred panel of insurers to find buildings and contents cover that best suit our clients needs.

As part of our overall service we make sure the policy is placed with a reputable provider on the most competitive terms.

Insurance can vary from insurer to insurer. Different policies offer different levels of cover. Different excesses and exclusions, different settlement terms (new for old, or fair market value).

No-claims discounts can vary, along with the cover for goods taken out of the home and the definition of valuables .that may need separate cover. Also there are often options for additional services such as legal advice or emergency call-outs.

In addition for buildings and contents cover for our clients main home, we can also provide cover for landlords with ‘buy to let’ properties’ on an individual basis or as part of a portfolio.