Mortgages - PBS Financial Solutions

Mortgage Advice

Mortgages Made Simple

PBS Financial Solutions are Lancaster and Morecambe’s local independent mortgage broker with over 25 years of experience in finding the best mortgage rates for clients.

Whether you’re investing in property or looking to buy your first home, our mortgage advisers can help. Our expert independent mortgage advice will make the process simple, saving you time and money.

Independent Advice & Whole of Market

We provide unbiased advice, with access to over 50+ lenders and exclusive mortgage deals. Our goal is to find the best solution for your needs.

Personalised & Expert Advice

Our qualified advisers offer personalised guidance using their expertise to help you make informed decisions.

Highly Reccommended

Clients consistently commend and recommend our services, reflecting our commitment to excellence. We take pride in the trust we've built over the years.

We take care of Everything

After advising on your options, we deal with the lender and your application, seeing it through to completion. We also advise on your protection needs and remind you in the future when it’s time to review.

How we work

The PBS Mortgage Advice Journey

Our mortgage advice journey is designed to guide you through every step, ensuring you make informed decisions about your financial future.

Get started

Initial Consultation

Your journey begins with a free, no-obligation consultation. During this session, we get to know you, your financial situation, and your goals. Whether you're a first-time buyer or looking to remortgage, our friendly advisors are here to listen and understand your needs.

Financial Assessment

Next, we conduct a thorough financial assessment. We'll review your income, expenses, credit history, and any existing debts to determine your borrowing capacity. This step helps us provide you with realistic mortgage options tailored to your unique situation.

Exploring Mortgage Options

With a clear understanding of your finances, we explore a wide range of mortgage products from various lenders. Our advisors explain the differences between fixed-rate, variable-rate, and interest-only mortgages, helping you understand the pros and cons of each. We aim to find the best mortgage deal that aligns with your financial goals and budget.

Mortgage Agreement in Principle

Once we've identified suitable mortgage options, we will obtain a Mortgage Agreement in Principle (AIP). This document indicates how much you can borrow and shows sellers and estate agents that you're a serious buyer. An AIP can give you a competitive edge in a hot property market and confidence in obtaining a mortgage.

Mortgage Application

Once you’ve found a property, we complete your mortgage application. Our team ensures all required documentation is in order and submits the application to your chosen lender. We keep you informed throughout the process, addressing any queries you might have.

Valuation and Underwriting

After submitting your application, the lender will arrange for a property valuation to ensure it's worth the amount you're borrowing. Concurrently, the underwriting process begins where the lender reviews your financial details in-depth. We liaise with the lender on your behalf, ensuring a smooth and timely process.

Mortgage Offer

Upon successful completion of the valuation and underwriting, you'll receive a formal mortgage offer. We'll review the offer with you, explaining all terms and conditions to ensure you fully understand the commitment. We will also advise on your mortgage and family protection needs and explain the next steps with solicitors.

Completion

Finally, on the completion day, the mortgage funds are released, and you receive the keys to your new home. We'll be there to celebrate with you and provide any further assistance you may need.

Frequently asked questions

Everything you need to know about the product and billing.

Why Should I Use a Mortgage Broker?

Using a mortgage broker provides access to a wide range of lenders, expert advice, and personalised solutions. We do the work in finding and arranging the best mortgage, saving you time and money.

How Long Does It Take to Get a Mortgage Agreement in Principle?

We can usually get a Mortgage Agreement in Principle within 24 hours, depending on the lender and your financial situation.

What Are Your Charges for Mortgage Advice?

We don’t charge upfront fees. We will explain our charges prior to any work, and any fee is only typically payable on issue of a mortgage offer.

What Documents Do I Need to Apply for a Mortgage?

You'll generally need proof of income, bank statements, ID, and details of any debts or other financial commitments.

Don’t just take our word for it...

Great financial advice, very clear and concise and with no pressure. I’ve used Ross a couple of times now and he couldn’t be more helpful, that goes for the rest of the team too. Excellent company to use would recommend to anybody thinking about financial/mortgage advice.

Jon Ford

Lancaster

Superb service from the team at PBS - highly recommended. Gareth was exceptional and provided great support throughout. Fee was also more than reasonable. Looking forward to using PBS again when my mortgage renewal is due.

Ben Knott

Lancaster

We have used PBS's services quite a few times and every time we have had fantastic service. Ross, in particular, is professional, helpful and understanding. He helped us navigate our very first mortgage in 2016, then subsequent remortgaging processes. Thank you for all your help, it's been invaluable!

Grace Rawsthorne

Lancaster

An excellent service, very efficient & a very good remortgage deal. Streamlined service & we were kept up to date regularly about the progress. Would definitely use again & recommend.

Gary Macdonald

Lancaster

Cannot rate PBS financial solutions highly enough. Paul has always been very helpful, listening to our changing needs and giving us sound advice and direction in relation to mortgage renewals. This has been especially important with the prices going up significantly. Would recommend without hesitation.

Mireille Formosa

Lancaster

Very informative and efficient service. Everything was explained clearly and presented to us well which made the whole re-mortgaging process simple and stress free. Thanks to the team at PBS!

Michael Orford

Lancaster

PBS was recommended to me by a friend and I am so glad to have had the tip. PBS went above and beyond to help us and we will certainly be using them again. I have already recommended them to two other people myself. Many thanks to Ross and Sara for their hard work and determination.

Helen Hanks

Penmaenmawr

Paul and his team were excellent in helping us secure a mortgage for our new home. They explained everything carefully and went above and beyond in helping find the very best deal for our particular circumstances. I want to also extend extra thanks for their patience and understanding when things got a bit stressful! I would highly recommend their services.

Josh Heron

Lancaster

Paul and his team were excellent in helping us secure a mortgage for our new home. They explained everything carefully and went above and beyond in helping find the very best deal for our particular circumstances. I want to also extend extra thanks for their patience and understanding when things got a bit stressful! I would highly recommend their services.

Terri Whiteside

Morecambe

They are very knowledgeable and helpful. I have used their services multiple times and have always been more than happy with the process and outcome. Highly recommended.

Ashley Foster

Berkshire

Mortgages Made Simple

Independent Advice & Whole of Market

Personalised & Expert Advice

Highly Reccommended

We take care of Everything

Specialised Services for Every Need

First Time Buyer

Home Mover

Remortgaging

Buy-to-let

Specialist Mortgages

Access to the Whole Market

The PBS Mortgage Advice Journey

Initial Consultation

Financial Assessment

Exploring Mortgage Options

Mortgage Agreement in Principle

Mortgage Application

Valuation and Underwriting

Mortgage Offer

Completion

Ready to take the next step?

Frequently asked questions

Don’t just take our word for it...

Great financial advice, very clear and concise and with no pressure. I’ve used Ross a couple of times now and he couldn’t be more helpful, that goes for the rest of the team too. Excellent company to use would recommend to anybody thinking about financial/mortgage advice.

Superb service from the team at PBS - highly recommended. Gareth was exceptional and provided great support throughout. Fee was also more than reasonable. Looking forward to using PBS again when my mortgage renewal is due.

An excellent service, very efficient & a very good remortgage deal. Streamlined service & we were kept up to date regularly about the progress. Would definitely use again & recommend.

Very informative and efficient service. Everything was explained clearly and presented to us well which made the whole re-mortgaging process simple and stress free. Thanks to the team at PBS!

PBS was recommended to me by a friend and I am so glad to have had the tip. PBS went above and beyond to help us and we will certainly be using them again. I have already recommended them to two other people myself. Many thanks to Ross and Sara for their hard work and determination.

They are very knowledgeable and helpful. I have used their services multiple times and have always been more than happy with the process and outcome. Highly recommended.

Our Mortgage & Financial Planning Solutions...

First Time Buyer

Complex Incomes

Insurance

Ready to start planning your financial future?