Paul Hardingham

I have worked in the world of financial services since 1985 and am committed to providing professional and realistic advice to our clients in an ever changing mortgage and insurance market. We provide expert advice across a broad spectrum of clients from first time buyers through to investors with large portfolios. Our aim is to provide a mortgage management service throughout the lifetime of the borrowing. Seeking to make the whole process as painless as possible we will look to deal with:- Initial mortgage research and recommendations – considering lenders affordability requirements, general criteria, service levels and products available. Managing the application process from start to finish. Advising on the most appropriate options to fully protect the mortgage in event of the unexpected. Specialties: High value mortgages - dealing with both mainstream lenders and private banks. Specialist mortgages - clients who have had applications declined elsewhere. Alternative finance - bridging finance, secured loans and development finance. Reappraisal / restructure of life / health cover to provide most suitable and cost effective solutions. Innovation Financial Management Limited trading as Innovate Mortgages and Loans is authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage. We normally charge a fee for mortgage advice, however this will be dependent on your circumstances. Our typical fee is £295.