Expert mortgage & protection adviser in the South West.

Our local, friendly service and expert know-how gives you access to a full range of UK mortgages and re-mortgage products including fixed rate, interest only, capped, discount and variable interest rates and buy to let mortgages.

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Expert mortgage advice when it matters most.

Our highly experienced mortgage & protection adviser would be happy to discuss your requirements so please do contact us for an informal discussion to see how we might be able to help you.

An arrangement where part of the monthly repayment is used to pay the interest and the remainder is used to reduce the original amount of the loan.
Interest only mortgages are a type of mortgage where the regular payments only cover the interest that is due. The full capital amount remains outstanding during the mortgage term and is repaid in one lump sum at the end of the term.
The prospect of buying your first home could be both daunting and confusing. Our aim is to guide you through the process from start to finish so that you understand exactly what the purchase entails and how much it will cost.
Where a mortgage borrower also has savings, by giving up the interest on those savings he or she can reduce the amount of interest they pay on their mortgage debt.
A mortgage that pays a lump sum cash rebate of a fixed amount of money, or a percentage of the actual loan, on completion of the mortgage or shortly after.
The interest on the loan will neither rise nor fall for a pre-determined period of time. Although the monthly repayments will stay fixed, if interest rates fall, the borrower could potentially end up paying more than he or she would on another type of mortgage.
The monthly mortgage repayments are based on the prevailing rates of interest the lender charges – not the Bank of England (BoE) base rate. In other words, it is entirely the lender’s decision on the rate of interest they charge the borrower.
Whether you are looking at consolidating your debts, raising money for home improvements, looking for a better monthly payment than you currently have, or want to restructure the terms of your current loan, we can help.

Think carefully before secure other debts against your home. Your home may be repossessed if you fail to keep up with the mortgage payments.

Buy-to-let (BTL) mortgages are specifically for individuals who wish to buy residential property which they intend renting to tenants.

For those who want to build their own home, a conventional residential mortgage is not an option. Instead, the self-builder would need to apply for a self-build mortgage.

Health Insurance

Health Insurance is probably one of the most important types of insurance you can own.

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Life Assurance

A Life Assurance policy pays out a sum of money when the person who is covered by the plan dies.

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Equity Release

Equity release offers you a way to use the value of your home to raise money if you’re over 55.

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Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.

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Whether you have a question about your current mortgage situation or want to pick our brains about embarking on something completely new, we’re happy to have a chat and to offer tailored mortgage and protection advice. Fill in the form and our adviser will be in touch for a chat.

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Providing transparent, honest mortgage advice.

Coast Financial was incorporated in 2017 as a sister company to West Coast Properties to accommodate clients’ needs for whole of market mortgage advice when purchasing a property or re-mortgaging an existing property.

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