We believe that everyone should have access to clear financial advice to help them make more of their money.

We have some of the longest serving and most qualified advisers in the industry, we are part of one of the largest networks in the UK which gives us access to providers that are representative of the whole of market. As professional Mortgage, Protection & financial advisers, we can add real value when it comes to buying your first home, remortgaging your current home or even expanding your property portfolio with a Buy To Let Mortgage.

We can even advise you on protecting your home, its contents & perhaps more importantly your family should any unforeseen events occur. If its your pension or investment that you would like advice on, we have Advisers for that too.

We will offer professional advice to help you protect your family, invest wisely and enjoy greater wealth, a comfortable home and a fulfilling retirement.

Our Mortgage Solutions & Advice

Whether it’s your first move, or you’re an experienced home buyer, we can help you navigate the constantly changing nature of today’s market. We provide expert advice utilising both expertise and industry leading software to find a suitable Mortgage for you.

Our Insurance & Protection Advice

Many of us live day to day without thinking about what we would do if the unexpected happened. Do you really know how you or your family would cope financially if you were to lose your job, become ill or have your precious home contents stolen?

Our Mortgage & Insurance Advisers

An initial meeting with a GHL Direct adviser to discuss your requirements is always at our advisers own expense and always without obligation. Our adviser, will clearly explain the services they can offer, and discuss and agree with you the ways in which they will be paid.

YOU ASKED

A few of our most asked questions

We like to think we are experts in the Mortgage & Protection field but we also understand it can be very confusing when there is such a vast amount of information about.

Whether you’re buying your first home, expanding your property portfolio or simply remortgaging, our Advisers mortgage advice can be a great help. Taking independent advice can make the difference between a successful mortgage application and being rejected. It may also lead to a much better value deal as we have access to over 50 of the major Mortgage lenders in the UK, potentially saving you thousands of pounds over the mortgage term.

Our mortgage advisers are not restricted to any particular providers, and will act solely in your best interests. You should be confident the deal they recommend will be the best available mortgage for your circumstances. Our mortgage advisers should also:

  • Explain the various mortgages available and the different types of deals
  • Advise you on how much you can afford to borrow
  • Have access to special mortgage deals that are not available on the open market
  • Help you prepare for your application to boost your chances of success
  • Be able to save you money overall by finding a mortgage with lower interest rates and fees

Remember that every unsuccessful mortgage application may harm your chances of success next time around, as each refusal will appear on your credit record. Using  one of our mortgage advisers will maximise your chances of being accepted first time.

An initial meeting with a GHL Direct adviser to discuss your requirements is always at our advisers own expense and always without obligation. Our Mortgage Advisers charge according to the complexity of each individual case. Some mortgage advisers will charge an up-front flat fee between £195 & £499, while others will take commission from the bank or lender providing the loan. Be sure to discuss fees at your first meeting with our Adviser. Ask how they are paid & what it will cost you.

There are several ways to connect to your most suitable Mortgage broker with GHL Direct.

The first & most efficient method is to use our adviser search feature. Just enter your postcode, town or city & we will list the advisers with relevant experience in your area, you can simply view their profile and connect immediately.

If you would rather we match you with an adviser, that’s easy too. Complete the quick contact form with you name & postcode and a few details about your  requirements, our head office admin team will match you with the nearest suitable adviser and pass on your details for a no obligation callback at your chosen time.

At this point none whatsoever. You can use our mortgage calculator to find out how much you may be able to borrow, without having to sign up, pay any fees or send any documents to us. When we move on to submitting your application to a lender, we will need supply your documents to the lender, some of these may include:

To verify your identity

  • Passports and/or driving licences

To prove your address

  • Council tax, utility bill or a bank statement dated within the last 3 months

To prove your income

  • Your latest bank statement, showing the receipt of income and outgoings
  • Your latest payslip

If you’re self-employed

If for any reason we cannot find the best Mortgage or Protection solution for your needs we will inform you of the reasons and may propose alternative products or lenders. GHL Direct and its Mortgage & Protection advisers operate under the GDPR laws so if all else fails or you simply decide you do not want to proceed we will delete all your documents and contact details within 12 months, if however you need us to do this immediately just ask your adviser to update our admin team.

Our Certifications :

We are most proud we when receive genuine customer feedback, we also like to be part of the industry award recognition such as those below.