Our Services

Here at EPF we are whole of market independent mortgage advisers. We have access to numerous mortgage clubs enabling us to obtain exclusive mortgage rates for our clients. We get to know you and use our knowledge and expertise, to recommend and administrate the most suitable product for you and your future. With both options of a classical face to face approach or a modern technological portal experience, we can meet the needs of a fast moving, time restricted society.

Level term or decreasing? Critical Illness? Income Protection? Whole of Life? Family income benefit?

With so many options, it can be difficult to decide on the best way to financially protect your family. You cannot predict the future, but you can protect against it, at EPF we will provide you with your options and a recommendation based on need and budget. Never a pleasurable conversation, but one we take the time to have. Once you are protected, you can enter the future with a clear mind and one less worry.

High-end property requires a whole new level of research and expertise when it comes to finding the most suitable mortgage.From listed buildings to outbuildings, split titles to land covenants,knowing the lender’s criteria and their interpretation of the regulations is crucial. At EPF we use our experience of years dealing with unique properties to ensure the financing of the purchase is smooth and speedy.Neil Brooks, Financial Director of EPF, says, ‘I see lenders like people, they are all individual, with different views and interpretations. It is our job to match our clients to the lender who will be most suitable for their needs and offer the best possible rate. It can be frustrating being turned away from lenders or feeling that you haven’t been offered the best advice. This is where we come in. From maximising Limited Company Directors’ incomes to lending on converted churches, we will guide you to the lender most suitable for you.’

On occasion, a property or an individual’s circumstances can call for an open-minded approach from a lender and thus, having access to the whole of the market is essential. At EPF, our relationship with a wide choice of lenders allows us to obtain a bespoke underwrite for the unique circumstances our clients can find themselves in.