debs

Deborah Caulfield CeMAP

MORTGAGE & PROTECTION CONSULTANT

Debs, as she is better known, has been a part of the financial services industry since 1989. She loves her role more every day, never tiring of seeing customers delighted with their move or re-mortgage at the end of a stress free journey.

Given her many years of experience Debs has an astounding depth of knowledge to draw from and her problem solving skills are second to none. Having honed her craft in several large retail banks she made the move into the independent consultant arena and relishes the freedom as well as the whole of market choice she can now offer to ensure her customers get the best possible advice.

Mortgage Light and Debs were brought together through a mutual contact, and over a coffee history was made. Both sides of the table shared an exemplary standard of customer service and a true belief that the customer always comes first, which they are both extremely proud of.

Debs is now one of our resident our remortgage specialists, and along with Sam is the right person to speak to if you are looking to make sure you have the best deal available for when your current offer expires, are looking to maximise profit from a buy to let, or even to consolidate other debts to reduce your monthly outgoings.

A true social butterfly, Debs likes to spend time with friends and enjoys settling in to watch the football, boxing, athletics and rugby with her husband.

All of our brokers deal with the whole of the mortgage market. It doesn’t matter what the question or when you want to speak to us, we have brokers available on the phone or face to face seven days a week. Whether you are just thinking of buying a home and have no idea where to start, a seasoned investor or someone looking to better your current mortgage product, we are happy to help andchat over ideas free of charge.

So we can give you plain and simple advice we will run through some basic questions to help us tailor products to suit your needs. Upon us taking your application forward we will write to inform you that we have given you advice and give you a Key Facts Illustration breaking down the important elements of the product and the fees involved.

For us to take your application forward to a lender we charge an upfront administration fee of £495. For our returning customers looking to renew their mortgage product this fee reduces to £250. We also receive commission from the lender.

Our fee is payable on mortgage application. We charge up to 1% but our typical fee is £495 for all new residential applications, £645 for loan sizes of £50,000 or lower, and £695.00 for limited company buy to lets. However, with our existing customers our fee is reduced to £250 for a Remortgage or if we end up doing a product transfer we do not charge. Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. For commercial mortgages, our fees are subject to the nature of the finance and structure of the loan, with a minimum fee of £1000. Other fees may apply. We will receive commission from the lender in addition to the fees you pay. As with all insurance policies, conditions and exclusions will apply.

Covering Milton Keynes.

Registered Office: Mortgage Light Ltd, 15 High Street, Brackley, England, NN13 7DH. Registered Company Number: 8184773. Registered in England & Wales.