Our service promise

At Independent Lending we are committed to providing the highest level of service at all times and to all of our clients.

We recognise that your mortgage is one of the largest investments you will ever make and we will provide you with professional and ethical advice that best suits your goals and your financial circumstances.

Our highly experienced advisers are supported in their research by the most advanced mortgage sourcing system in the UK, providing access to thousands of mortgage products.
Here are our promises to you:

Our expert advisers will listen to your needs and discuss and explain the options available to you.

Our advice will cover the methods of mortgage repayment open to you as well as the vast selection of interest rates offered by all lenders.

We will obtain a mortgage agreement-in-principle (AIP) to allow you to carry out your property search safe in the knowledge that mortgage funds will be made available to you for when you need them.

We will make recommendations that are in your best interests.

We will put our recommendations to you in writing, and in straight forward terms.

We will help you complete your mortgage application and explain what additional information and documents may be required in support of your application.

We will use our longstanding relationships with lenders to ensure your application is dealt with quickly and efficiently.

Where possible we will submit your application on-line to speed up your mortgage offer.

Unexpected delays may occur from time to time; if they do we will resolve them quickly and efficiently, liaising with all parties to bring matters to a swift resolution.

We will maintain regular contact with you throughout the process and will liaise with your other professional advisers.

We will check your mortgage offer to make sure the terms and conditions meet with your approval.

Your calls to our office will be answered speedily and messages left will be returned on the same working day.

We are required to verify your identity by seeing original evidence of certain documents. We will copy and return all documentation to you as soon as possible. We do not keep your documents on our premises overnight without your permission.

The advice given by our advisers will cover your protection needs.

Our professional advisers will explain all you need to do to ensure you leave a debt free property to your estate in the event of your death.

We will explain how you can protect your home from repossession in the event of sickness, accident and redundancy, taking into account any provisions you may already have made.

When you entrust us with your personal financial information, we undertake to treat all of your information as private and confidential.

We do not disclose your information to anyone else unless authorised by you to do so.

From time to time we may contact you to let you know about other services and products we feel you may be interested in.

We will treat you with respect and courtesy throughout the mortgage process and promise to look after your finances with the utmost care. However, if an occasion arises when you feel that our service has failed to reach an acceptable standard we respectfully ask you to tell us about it. Please direct your comments to info@independentlending.co.uk

We are also covered by the Financial Ombudsman Service.

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Independent Lending is a trading style of Vitty Alexander Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority for pure protection, residential mortgages and general insurance business. We do not charge a fee for residential mortgage advice, however there is an administration fee for processing each of your standard residential mortgage contracts. The typical administration fee is £499, of which £199 is payable on application and the balance on completion. For Buy to Let Mortgages a fee of 0.5% of the mortgage loan size applies, of which £250 is payable on application, with the balance payable on completion.

Trading Address and Registered Office: Westbrook House, Wreakes Lane, Dronfield, Sheffield S18 1LY
Registered in England and Wales Number 5479920

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

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