About Us

Founder Terry Humphreys has more than 20 years’ experience in Financial Services and since 1998 has focused on delivering unbiased Mortgage Advice.

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Overview

Founder Terry Humphreys has more than 20 years’ experience in Financial Services and since 1998 has focused on delivering unbiased Mortgage Advice.

As Mortgage Brokers we are not restricted to any particular lenders. We provide a full Advice and Recommendation Service, working for you, our client, to find the right mortgage and protection package to suit your individual needs and circumstances.

Being centrally based in rural North Oxfordshire our services are available throughout the whole of the UK.

TERMS OF BUSINESS

We offer an initial no-obligation consultation at our expense to see if we can help. Following this, we’ll commence our research and will come back to you with our recommendations.
Your home may be repossessed if you do not keep up repayments on your mortgage

Frequently Asked Questions

My bank has declined my mortgage application because I have been self-employed for just over 1 year.

Most High Street lenders require a minimum of 2-3 years’ accounts. However, we have access to a number of specialist lenders who will consider applicants with just I year’s accounts

My bank has declined my mortgage application because I have a history of bad credit

Lenders conduct a credit search on anyone applying for a mortgage and many High Street banks automatically decline anyone with a less than perfect credit history. We work with a number of specialist lenders who will consider applications based on individual circumstances, sometimes even ignoring issues registered more than 3 years ago.

I have a variable rate mortgage and am worried about potential interest rate rises

In the first instance you should approach your current lender to see if they are prepared to switch you to a Fixed Rate and if they will not do this then please contact us to discuss the possibility of remortgaging. We have access to some very good Remortgage deals, with Fixed Rates often lower than variable rates and with the benefit of minimal set-up costs.

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK

Terence Richard Humphreys, trading as Bespoke Mortgages incorporating Terry Humphreys Mortgage Services is an Appointed Representative of The Right Mortgage Ltd which is authorised and regulated by the Financial Conduct Authority

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