Buying a home can be one of the most profitable transactions that you will ever undertake but if you are not careful, it can prove to be a big headache. We believe that our mortgage and life assurance advice services will help prevent that potential headache. First and foremost, however, we’ll listen carefully to your exact needs and circumstances before offering a selection of schemes etc.

Based in Ealing in West London, Buckingham Mortgage Service Ltd strives to benefit every client with personal attention and our intimate knowledge of the UK mortgage industry.

We will also help you choose a more wide range of schemes including fixed rate mortgages, tracker mortgages, discounted mortgages , cash-back mortgages, capped rate, etc - we will also help you weigh up the pros and cons of different payment methods (e.g. capital and interest, interest only, investment backed, etc).

Read what others think of our independent financial advice…

To help explain how our independent mortgage advice service can help you we have answered below, some of the most common questions posed by prospective clients.

More information about our mortgage services can be found on our FAQ page.

How do you operate your mortgage broker advice services?

Essentially, there are three main things we do. One is to consult the client on the amount of mortgage we can get. Two, secure a competitive mortgage for him/ her. Three, to assist with the form filling and liaising between the client, the estate agents, solicitors and so on.

To do the job properly we have to have an intimate knowledge of mortgages, insurance and finance. We have to keep up to date with all the latest information on new mortgage criteria, lending schemes and interest rates, etc.

We also have ‘preferred’ status with some lenders and mortgage ‘packagers’, so that we know we can go to them for priority for our clients. Since 1972, Geoff Buckingham and his colleagues have assisted thousands of borrowers in obtaining the right mortgage to meet their needs. Why not give us the chance to show that we can do the same for you?

How do I benefit from using your services?

We save you valuable time, anxiety and probably a lot of money as well. When possible, we offer you a choice of mortgages and will assist you in selecting the most suitable one for your needs and circumstances.

We’ll also show you how you can protect your mortgage against sickness, accident, redundancy, critical illness and death. Our computerised scheme helps us source among the best products and the best mortgage rates for you.

When you but a home, you are probably going to spend more money than you have ever previously spent in your life. Let us help you spend that money wisely. This service includes providing you with an analysis of cost and useful guidance literature. We will also disclose which level of service we will give you and our personal knowledge and experience add extra value.

I have just chosen a property and need a mortgage for my home. What shall I do?

Please contact our West London offices immediately. After you have selected a mortgage scheme, we shall try to obtain an ‘in principle’ decision for you without delay. We will than let you know the decision and make an appointment so that the formal mortgage application can proceed. We will help you with much of the form-filling, etc.

We shall also be pleased to advise you, if required, on using a solicitor and surveyor and, of course, we'll help you throughout the transaction as much as possible.

How do you charge for your financial & mortgage advice services?

In the vast majority of cases we do not charge you a fee (although you can elect to pay money if you wish). If it is, however, necessary for a charge to be made, it will be set out clearly and will only be payable on completion of the transaction.

Further questions are answered on our  Frequently asked questions page.

Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it.