We achieved an average mortgage write off of 77% for our clients in 2018.
Our service is 100% confidential, regulated and authorised by the FCA.
Since 2013 we have achieved a successful write off for 96.6% of our clients.
We have secured debt write offs worth over £37 million for UK home owners.
Should You Even Be In Your Current Financial Situation?
Most mortgage and loan products were sold entirely appropriately, but not all.
The way to find out if you have been mis-sold any mortgage product is by conducting a full case review.
Our only way of finding out if you have been mis-sold your mortgage product is by conducting a full case review.
| Was Your Mortgage?
Taken out on a residential basis but used as a buy-to-let?
| Has your Advisor?
• Been “struck-off” for malpractice
• Personally bankrupt
Answering YES to any of the above could mean you may be due compensation.
Our process begins by obtaining ALL of the original documentation from your lender. It is vital that this is reviewed by our experts. Maybe it isn’t your fault that you are trapped in your current predicament. We’re the best people to investigate this on your behalf.
Our review will examine your affordability at the time you were sold your mortgage and the suitability of the product for your circumstances at the time. The status of the adviser and lending criteria are also investigated. We will examine what alternatives were available to you and how these factors related to the provision of suitable advice within the mortgage conduct of business rules.
| We will assess where you are now.
The next stage of your case review is to assess you and your properties to determine what your options are. Specifically, the impact it would have on you relating to:
• Interest rate rises
• The inability to refinance
• Interest only term(s) ending where you have insufficient equity to discharge the debt
• The impact of Section 24 (Buy to let tax changes)
• Cash-flow problems – non-paying tenants, unforeseen maintenance costs, voids
• Protecting other assets – your home, properties with equity
Factoring the above we can then report back to you, discussing how to prepare or mitigate these threats.
| How can we help?
Once your case review is complete, we will know and more importantly, you will know exactly what your options are in terms of:
• Do you qualify for Landlord Debt relief?
• Should you sell some/all of your properties? When should you do this?
• Are there any refinancing/restructuring opportunities worth pursuing?
• What are the “stress points” on your cash-flow?
The Case Review costs £395, this is a loss-leader for Landlord Debt Advisory due to the time and work required, however it allows us to (a) complete all of the above for you and (b) engage with you as a client, affording you regulatory protection under the Financial Conduct Authority, Financial Ombudsman Service and Financial Services Compensation Scheme.
Does this sound like something you need to find out about? Call 0161 631 4311 or fill in the form for a call-back.