Mortgage Solutions
Independent Mortgage Advice in Essex and Beyond
At Flagstone, we’re independent mortgage advisors with whole-of-market access, giving you a choice of thousands of mortgage products from lenders across the UK. We are based in Essex and support clients locally as well as nationwide via videocall – from first-time buyers and home movers to those remortgaging or investing in buy-to-let properties. Backed by more than 25 years of experience in the mortgage and protection industry, our advisors offer clear, tailored guidance to help you secure the most suitable mortgage for your circumstances.
Contact Us
We have access to mortgages across the whole market
Mortgage rates are always changing and sometimes withdrawn at short notice. We use the latest technology and our close relationships with lenders to source the best available rates for you from the whole market.
First Time Buyers
Looking for a mortgage for your first home? We can advise first time buyers on all the options available to you.
Remortgaging
Not only could remortgaging save you money on your monthly repayments, it could significantly shorten the number of years left on your loan.
Moving House
Moving home can be a very exciting time. Let us take the hassle out of finding the most suitable mortgage when you decide to move.
Buy to Let
Many Buy to Let products are only available via brokers like ourselves. Let us show you what’s available.
Bridging Loan
Need short-term finance to bridge the gap between buying and selling? Our advisers can help you secure competitive bridging loan rates.
Equity Release
This product is designed to give clients the option of staying in their home until they either pass or go into long-term care.
New Build
Flagstone have partnered with Own New to bring you a simpler, hassle-free way to get an affordable mortgage on a selective new build property. You get a normal mortgage and own 100% of your home.
Specialist Mortgages
Unusual property? Complex financial circumstances? Our advisers are practised in finding the best rate across the whole market for you.
Mortgage Capacity Reports
Mortgage Capacity Reports help verify a spouse’s ability to afford a mortgage and are often required for divorce proceedings.
A mortgage adviser (or broker) helps you find and secure the most suitable mortgage based on your financial circumstances. They assess your income, credit history, and goals, then compare deals across lenders to recommend the best option. Independent advisers — like Flagstone — have access to the whole market, offering greater choice than going directly to one bank.
Most mortgage advisers offer a free initial consultation to discuss your needs and assess your eligibility. This gives you a chance to understand your options before committing. Advisers are usually paid a commission by the lender once your mortgage completes, so you’ll only pay a fee if agreed upfront.
A mortgage adviser can usually access a wider range of deals than a single bank. They compare products from multiple lenders – including specialist ones – to find the most competitive rate for your situation. For borrowers with complex needs, such as self-employed or first-time buyers, this often leads to better outcomes.
Mortgage advisers may be paid in one of two ways:
– Commission from the lender when your mortgage completes – A client fee, often between £300 and £600, depending on your case’s complexity
Flagstone will always explain any costs clearly before you decide to proceed.
Yes – an adviser can save you time, stress, and money by matching you with the right lender and handling the paperwork. They also know which lenders are most likely to approve your application, reducing the risk of delays or rejections. For most buyers and remortgagers, professional advice adds real value.
Some borrowers prefer going directly to their bank if they already qualify for a good in-house deal. However, banks only offer their own products, while a broker can access many more options. The key is to use a regulated, whole-of-market adviser, like Flagstone Financial Services, who works in your best interest.
Look for an independent, whole-of-market mortgage adviser who is regulated by the Financial Conduct Authority (FCA). Check online reviews and ask how they’re paid – fee, commission, or both. The right adviser will be transparent, experienced, and focused on finding the best deal for you.
Estate agents often suggest their in-house adviser so they can verify your budget and speed up the sale. However, you’re under no obligation to use them. Choosing an independent broker like Flagstone ensures your mortgage advice remains impartial and based solely on your best interests.
To assess your affordability, an adviser will usually ask for:
– Proof of income (payslips or accounts if self-employed). – Bank statements and details of monthly outgoings. – Information about your deposit, credit history, and existing debts.
Having these ready helps speed up the process.
There are very few, provided you choose a regulated broker. Some may charge a fee or not work with every lender, so it’s worth confirming this in advance. The benefits – expert guidance, market access, and tailored support – typically outweigh any drawbacks.
