Mortgage advice built around your circumstances
Mortgage options often depend on a multitude of factors.
The way your income is earned, the property involved, your existing commitments and what you hope to achieve can all affect which mortgage options are available and which may suit your circumstances.
Ryan takes the time to understand how those pieces fit together before exploring suitable lenders and mortgage products.
Based in Truro, Mortgage Advice Center advises clients across Cornwall and throughout the UK.
Meet Ryan
Ryan established Mortgage Advice Center in 2007 and has since helped clients understand their mortgage options and navigate the application process with clear, direct support.
As an Independent Financial Adviser, Ryan has extensive knowledge and experience. This allows him to take a holistic view of your circumstances and consider how a mortgage fits alongside your income, existing commitments, protection and longer-term plans.
He uses his understanding of lender criteria to recommend a suitable option for your needs.
Clear advice. One point of contact. Prompt action.
Ryan remains your main point of contact throughout the mortgage process. He explains what matters, keeps you informed and responds promptly when something needs attention, providing a personal and consistent service.
When progress depends on a lender or its systems, he explains what is happening and follows up with the relevant parties.
Since 2007, he has developed strong market knowledge and relationships with lenders. Together with his clear communication and practical approach to problem solving, this can make an important difference when a case needs persistence as well as advice.
Away from work, he enjoys surfing, practicing yoga and unwinding in the sauna, but most of all, he loves cooking for family and friends.
When experience matters
Mortgage advice can become particularly valuable when a case does not fit neatly within a lender’s standard route.
Income might come from self employment, several sources or work overseas. The property may be unusual, or the borrowing may involve more than a simple purchase.
With access to mortgage products from across the whole market, we understand how lenders differ, what questions they are likely to ask and which details need to be addressed before an application is submitted.
Different lenders have different timescales. Valuations can be delayed, and underwriting can lead to further questions. When progress depends on a lender or another party, we explain what is happening, follow it up, keep you informed and get things done as quickly as possible.
Our market knowledge and lender relationships have developed since 2007. Combined with a practical approach to problem solving, this experience can make an important difference when a case needs persistence as well as advice.
Advice for different stages and circumstances
The starting point might be a first home, a move, a remortgage or an existing deal approaching its end. It could involve a rental or commercial property, short-term finance or a decision about borrowing later in life.
Mortgage Advice Center advises on residential and buy-to-let mortgages, lifetime mortgages and equity release, commercial mortgages, bridging finance, protection and associated insurance.
You do not need to arrive knowing which product or type of finance you require. The conversation begins with where you are and what you would like to achieve.
2007
Truro
UK-wide
One
IFA
What clients say
“Ryan made communication easy and took so much stress away from the whole process. I work offshore and Ryan navigated this nuance with expertise and grace.”
Will Robson
“Excellent service with clear, consistent communication throughout. He kept me informed at every step, which gave me complete confidence and peace of mind.”
Alexa Poppe
Begin with where you are
The initial conversation is an opportunity to describe what you are trying to do, what is already clear and what still feels uncertain. From there, we can explain whether we can help and what the next step would involve.
This conversation is without charge or obligation. If you decide to proceed, any fee payable by you and when it becomes payable will be explained and confirmed in writing beforehand.
Appointments are available by telephone or online across Cornwall and the UK, and to overseas clients seeking UK mortgage advice.