Whole of market mortgage advice, whatever you are trying to arrange.

We are not tied to a panel of a handful of lenders. We search across the market, including specialist lenders you cannot approach directly, and recommend the one that fits your circumstances rather than the one that is easiest to place.

Book a 15 minute call Send an enquiry

What we arrange

Pick the one that sounds like you.

First time buyers

Deposit, affordability, agreement in principle and the whole process explained from scratch.

Remortgage and product transfer

We start six months before your rate ends and compare a new lender against staying put.

Buy to let and limited company

Personal name or SPV, portfolio landlords, consumer buy to let, holiday lets and HMOs.

Capital raising

Release equity for improvements, a deposit on another property or consolidating borrowing.

Specialist and complex cases

Visas, foreign nationals, expats, contractors, foreign currency income and adverse credit.

Moving home

Porting your current deal, buying and selling at once, and bridging the gap between the two.

How we work

One adviser, from the first call to completion.

A conversation, not a form

Fifteen minutes to understand what you are trying to do, what you earn, what you have saved and anything you are worried about.

A search of the market

We compare lenders on the true cost, including product fees, cashback and free valuations, not just the headline rate.

A recommendation in writing

You get the lender, the rate, the real monthly payment and the reason we chose it, in plain English, before anything is submitted.

Application and chasing

We submit, deal with the underwriter, chase the valuation and keep your solicitor and the estate agent moving.

A review before your rate ends

We come back to you around six months before the initial rate finishes so you never drift onto a standard variable rate.

Common questions

The ones that come up most.

What does whole of market mean?

It means we are not restricted to a small panel. We can access lenders across the market, including specialist and intermediary only lenders whose products are not available directly to the public.

What do you charge?

Typically £295 for a remortgage and for a mortgage when purchasing a property. The actual fee depends on your circumstances and will not exceed 1% of the mortgage amount. It is confirmed in writing before you commit to anything.

Do you charge for the first conversation?

No. Initial advice, your decision in principle and the application itself cost you nothing up front.

How long does a mortgage application take?

An agreement in principle is often the same day. A full application to mortgage offer typically takes two to four weeks, though a complex case or a slow valuation can extend that. We will tell you where yours is at every stage.

Do I have to live near Padiham?

No. Cristian is based at the Town Hall in Padiham and sees plenty of clients face to face across Burnley, Pendle and the Ribble Valley, but most of the work is done by phone, video and email wherever you are in the UK.

Next step

Fifteen minutes will tell you where you stand.

Pick a time that suits you and we will talk through what you are trying to do. There is no cost for the initial advice and no obligation to go ahead.

Book a 15 minute call Send an enquiry instead

Prefer to talk now? Call 01282 937599 or email cristian@cdfmortgages.co.uk.