Welcome to our website

Our focus is helping you find the right mortgage based on your requirements, by offering a personal and professional service. Choosing the right mortgage will be one of the most important financial decisions that you make!

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About Our Services

Ratcliffe Mortgages

9 South Meade, Timperley, Altrincham, Cheshire, WA15 6QL

1. The Financial Services Authority (FSA)

The FSA is the independent watchdog that regulates financial services.  It requires us to give you this document.  Use this information to decide if our services are right for you.

2. Whose products do we offer?

Insurance

We offer products from range of insurers for term assurance, Accident Sickness & Unemployment Cover, Buildings & Contents and permanent Health Insurance.

We only offer products from a limited number of insurers.

We only offer products from a single insurer.

Mortgages

We offer mortgages from the whole of the market.

We only offer mortgages from a limited number of lenders.

We only offer mortgages from a single lender.

3. Which service will we provide you with?

Insurance

We will advise and make a recommendation for you after we have assessed you needs for Term Assurance, Accident Sickness & Unemployment Cover, Buildings & Content, and Permanent Health Insurance.

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the section of products that we will provide details on. You will then need to make your own choice about how to proceed

Mortgages

We will advise and make a recommendation for you after we have assessed your needs.

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

4. What will you have to pay us for this service?

Insurance

No fee for Term Assurance, Accident Sickness & unemployment Cover, Buildings & Contents, and Permanent Health Insurance.

A fee.

You will receive a quotation telling you about any fee's relating to any particular insurance policy.

Mortgages

No fee. We will be paid commission by the lender.

A broker fee of £300 (typically) which will be payable on completion of the mortgage. We will also be paid commission from the lender.

OR

A broker fee of 1% of the loan, Which will be payable on completion; any commissions received from the lender will be refunded to you.

You will receive a key facts illustration telling you about any fees relating to a particular mortgage..