FAQS.

Crystal Clear Financial Planning Limited  It’s all in the name… providing you crystal clear advice on all your financial needs.

CCFPL was established by Darren Burdis and Paul Hancox in 2011. We are a team of mortgage and protection specialists who have a wealth of knowledge and experience within the financial industry. In todays ever-changing world we hope to make the difference by listening, working together and providing a guiding hand to help our clients achieve their financial needs and goals. 

Since 2011, the CCFPL team has continued to grow to help support our clients wherever they are in the UK. We are committed to building lasting relationships with our clients (in a friendly way), where they feel they can entrust us to support them with their financial needs and provide them with a personalised experience while doing so.

To find out more, why don’t you take a look at our ‘Company page’  or  ‘Welcome Brochure'.

A mortgage/protection adviser is a qualified professional who is authorised by the Financial Conduct Authority (FCA) to provide advice and help you with your financial needs, whether that be helping you get a mortgage or a protection policy.  

They are professionals who understand the process, market and can help you to find the best mortgage deal/protection policy for your individual needs and circumstances.

A mortgage adviser will act as a middleman between you (the borrower) and the lender (banks & building societies). We are acting on behalf of the borrower (you), which means that we will provide you with bespoke advice, that is tailored to your personal needs and requirements.

A mortgage adviser will first understand what it is that you are wanting from a mortgage and will then carry out a search across the market to find you the right mortgage for you. While doing this your mortgage adviser will always offer explanations for the different types of products available to you and ensure that you understand what’s happening by answering any questions or concerns you have along the way. This is to ensure that you (the borrower) are confident in the mortgage chosen.

They also will help with all the ‘fun’ paperwork that comes with applying for a mortgage…

A mortgage adviser can help streamline what can be a stressful process for you by searching and applying for mortgages on your behalf.

Here’s a few questions to ask yourself…

If you don’t know the answers to these questions then you know what you need to do…

Get in touch today and one of our mortgage advisers will be able to help you answer these questions, no need to stress yourself out, let us do all the work for you!

Or why don’t you have a read of our ‘Helping Hand Brochure’!

We understand how confusing the financial world can be and that’s where we come in! There's nothing worse than someone trying to explain something to you but if anything, they confuse you more because they’re talking in ‘Jargon’! Well, let us make the process a bit more understandable. We specialise in supporting our clients throughout their mortgage journey, especially first-time buyers. So we know how to support you through yours whilst explaining everything in a way that you will understand and find most beneficial.

From having a mortgage adviser, it can help you save time and stress for what could be considered a stressful period of time. You will have the help, support and advice of a fully qualified adviser, who knows the industry and market. This means they will do all the work for you to make sure they have found you a mortgage that’s right for you.

You are our priority and we want to make your journey with us, as stress free and straight forward as possible. Don’t take a word for it, have a look at what our clients have to say!

Speaking to a mortgage adviser as soon as possible in the process is recommended, whether you’ve already found your dream home or you are still searching through the market. This is because it allows us time to assess your affordability and search through the market to find the right mortgage for you. It also will help reduce the risk of disappointment, stress and frustration as we have the time to make sure that we are recommending the right mortgage for you and your circumstances, while making sure you understand why we have made our recommendation. We provide a tailored and personal service with our expert advice and insight; we will help you find a mortgage that suits your specific needs and requirements both now and later down the road—no need to pick the first option that comes your way!

For remortgaging we recommend getting in touch 6 months before the end of your current mortgage deal. This time allows us to monitor the market to find you the best deal and also allows you time to prepare your finances.

Basically, the sooner you get in touch, the better!

We cover all over the UK!

Our team of advisers is constantly growing, we currently have
advisers based in:

• Derbyshire
• Nottinghamshire
• Leicestershire
• Birmingham
• Manchester
• Surrey

 Don’t see your area above? That’s fine, our advisers can you meet you at a time and place that works for you, whether that is at our offices, over the phone or at your preferred location.

Well, here at CCFPL we are a broker firm who does charge a mortgage fee. It’s often found that non-charging firms, will take on a lot of cases but will be looking for straight forward cases or won’t have much time for their clients as they have a lot of cases on the go (this isn’t the case with all firms).

We charge a mortgage fee because we will go that extra mile to ensure that you’re treated as our priority throughout your mortgage journey, providing you with a guiding hand every step of the way through your personalised experience. Our advisers and admin team are always available and happy to help answer any questions you may have along the way.

We also have access to whole of market for mortgage lenders. This means we have more options to help us find the best mortgage for you and your specific circumstances. There’s no need for you to search the high-street trying to find the right mortgage lender and best deal, as we will do all the work for you, including the dreaded paperwork!

There are some firms that will charge a fee for an initial consultation and some who offer a free consultation. At CCFPL we offer a free consultation to establish your needs and requirements, having this free initial consultation with one of our mortgage advisers means that we can understand what it is that you need before any costs are involved!

After your free initial consultation to establish your needs, we charge a fee of £199 on advice and if applicable a second fee (this fee is up to a total maximum of £498) may be payable-depending on your circumstances-when you have received your mortgage offer.

For product transfers and any protection advice, no fee is charged.