Mortgage Broker & Insurance Advice

When you go directly to a bank or building society, you are limited to their own range of products. A broker like Quealy & Co Financial Services Ltd has access to hundreds of mortgage deals across the whole market, including exclusive rates that are not available on the high street. We work for you, not for the lender.

Our mortgage advisers take time to understand your individual circumstances, your income, your outgoings, your plans for the future, and recommend the mortgage that genuinely suits you. We handle the paperwork, liaise with lenders on your behalf, and keep you informed every step of the way.

At Quealy & Co Financial Services Ltd, our experienced mortgage and insurance team has been helping people across the UK find the right. mortgage and insurance solutions for over 30 years. We are directly authorised and regulated by the Financial Conduct Authority (FCA No. 919693), and we search the whole of the market, from high-street banks to specialist lenders, to find you the most suitable deal.

SOME BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

Our Mortgage Services

We offer clear, jargon-free advice across a full range of mortgage types:

• Residential Mortgages
  Whether you are buying a house, flat, or bungalow across the UK, we will find you the most competitive rate available based on your circumstances.
• First Time Buyer Mortgages
  Taking your first step onto the property ladder can feel daunting. We simplify the process, explain your options clearly, and help you understand what you can afford.
• Remortgages & Product Transfers
  If your current fixed rate is coming to an end, or you want to release equity from your home, we will review the market and ensure you are not overpaying.
• Buy-to-Let Mortgages
  Thinking of investing in property? We advise landlords across the UK on buy-to-let mortgage options.
• Home Mover Mortgages
  Moving house involves a lot of moving parts. We take the complexity out of the mortgage side, leaving you free to focus on the exciting part.

Protection & Insurance Advice

A mortgage is a long-term commitment, and life does not always go to plan. That is why we also advise on a range of protection products designed to safeguard you, your family, and your home if the unexpected happens.

• Life Insurance
  Pays out a lump sum to your loved ones if you pass away, helping to clear the mortgage and protect your family's financial future.
• Critical Illness Cover
  Provides a tax-free lump sum if you are diagnosed with a serious illness such as cancer, a heart attack, or a stroke.
• Income Protection
  Replaces a proportion of your earnings if you are unable to work due to illness or injury, so you can keep up with your mortgage payments.
• Buildings & Contents Insurance
  We can help arrange the right level of cover for your property and belongings, often at competitive rates through our panel of insurers.

Our adviser will always explain what each policy covers, what it costs, and whether it is right for you—there is never any obligation to proceed.

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