Michael J Pearce

Trusted Xperts Partner - Mike Pearce is a member of Openwork and regulated to advise on Mortgages & Business Protection products.

Michael J. Pearce.

Mortgage, Protection & Trust Adviser.

Practice Principle at Michael J A Pearce Mortgages.

As Practice Principal, I have been advising clients on their mortgage and protection needs for over 30 years. Based in South Wales, over 1000 clients continue to benefit from our expertise from a friendly and efficient customer service support team.

Mortgages

Whose products do we offer?

We can access a range of mortgages from over 50 of the UK’s best known lenders, but not deals that are only available directly from lenders.


If you are purchasing a property with the help of a shared equity loan, our advice will also cover the shared equity second charge. However, we do not advise on any other second charge mortgages. If you need a second charge mortgage we will refer you to Enterprise Finance, a master broker for second charges, who will be able to advise you.

Which service will we provide you with?

We will advise and make a recommendation for you on a first charge mortgage after we have assessed your needs.


You may request an illustration from us for any regulated mortgage contract we are able to offer you whenever we provide you with information specific to the amount you want to borrow following assessment of your needs and circumstances.


Alternative Finance Options.

If you are looking to increase borrowing secured on a property that you already have a mortgage on, the following alternative finance options may be available and may be more appropriate:


  • A Further Advance from your existing lender
  • A Second Charge
  • An Unsecured Loan


Openwork refers to specialist Second Charge lenders when required.




What will you have to pay for the service?

You will be provided with a written confirmation of your fee prior to the commencement of any chargeable activity. Trusted Xperts Partners will receive commission from the lender and Trusted Xperts Limited will receive a referral fee.


If you'd like to know the range of commission payable from any of the lenders, please ask for a list. You will receive an illustration when considering a particular mortgage, which will tell you about any fees relating to it. It is important that you read and understand the illustration.

Insurance

Whose products do we offer?

  • We can only offer products from a limited number of insurers for life assurance, critical illness cover, income protection, buildings and contents insurance, and accident, sickness and unemployment insurance. Ask us for a list of insurers we offer insurance from.
  • We can only offer products from MetLife UK for cash lump sum accident protection.


Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs.

What will you have to pay us for our services?

You will not be charged a fee.

To discuss your requirements in complete confidence with Michael J A Pearce Mortgages, please use the secure enquiry form below:

Contact | TX Partner | Michael J Pearce Mortgages | Secure | Fast

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Please note: Commercial lending is not regulated by the Financial Conduct Authority. Trusted Xperts Limited is not authorised to give advice. We will only confirm your details and purpose and with your consent, pass your Personal Information over to a Trusted Xperts Partner. Telephone calls may be recorded.


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