Chambers Associates Financial Planning
Chambers AssociatesFinancial Planning 

Mortgage Advice

Chambers Associates are able to advise on mortgages from the whole of market.  Graham Land is our Mortgage Adviser and his contact details are on the left.

We will research the marketplace for you, identifying your specific needs and guide you through the range of mortgages available to you and explain your options in detail.

We will provide guidance of what is involved in the mortgage process and the wide range of mortgage deals available for residential or Buy-to-Let, including:

  • Variable Rates

  • Discounted and Tracker Rates

  • Fixed Rates and Capped Rates

  • Flexible Mortgage

  • Offset Mortgages

We can complete all of the paperwork, negotiate your individual application and monitor its progress through the various stages of the application process.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Some buy to let mortgages are not regulated by the Financial Conduct Authority. 

For mortgage advice we do not usually charge a fee because we receive commission from the lender. However, you could choose to receive the commission and pay us a fee instead, which would typically be 0.5% of the loan. So for a £100,000 mortgage, our fee would be £500.

Protection Advice

Chambers Associates are able to advise on your protection needs as these will continually change throughout your lifetime. It is important to review your existing protection plans to ensure that they remain appropriate.

Life Assurance

  • Whole of Life – Provides lump sum upon death

  • Level Term – Provides a lump sum upon death during a specified term

  • Decreasing Term – Provides a lump sum which reduces during a specified term. This type of cover is used mainly in conjunction for protecting a repayment mortgage.

    Critical Illness

    This type of cover provides a lump sum if you contract a serious illness, suffer a debilitating affliction or become disabled. This cover can be arranged on a Whole of Life, Level Term or Decreasing Term and can incorporate life assurance.

    Income Protection

    This type of cover provides a regular income should you become incapacitated through sickness or accident. The period of benefit can extend to your normal retirement date.

    Mortgage Payment Protection Insurance

    This type of cover provides a regular monthly benefit if you become unemployed or unable to work due to sickness or accident. Benefits are usually arranged to cover mortgage payments and associated costs. The period of benefit payment is typically 12 months.

    Long Term Care Insurance

    This type of insurance  is designed to cover the cost of long term nursing care for the sick or elderly - either in a Residential home or in their own home. The plan can be funded by regular premiums or a lump sum.

    Group Income Protection, Group Life Cover & Group Critical Illness Cover

    These types of cover can be arranged as multiple plans to provide employee benefits paid by employers who wish to offer additional benefits to attract and retain staff.

We are located at:

Contact us today!

Rae Stinton

35 Radway Street




TQ14 9SS


Patrick Roach

5 Silver Street




EX15 2BH


Graham Land

6 Pen Y Dre



EX15 1AW

If you have any queries or wish to make an appointment, please contact us:

Rae Stinton

01626 778285

Patrick Roach

01884 266773

Graham Land

01884 33677

Or use our contact form.

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