We believe in freedom of choice and, if you choose to work with us, we'll ensure you are not only well-informed but supported to the point where you can make those big, life-changing decisions securely and with confidence. We don't charge fees for mortgage advice or processing; we (like all brokers) will be paid by the lenders at the end of the process.
You will receive expert, honest, advice specifically shaped around your scenario - and it won't cost you a penny. We have been supporting homebuyers for over 20 years, most of whom have happily recommended us to their family, friends and colleagues. We are also recommended by many authoritative bodies. This foundation of trust is essential to the ethos of our independent business.
The Independent Financial Advisor you initially meet will remain your ongoing point of contact. The journey to securing your home isn't always easy, yet the support of a clear-talking, empathetic and reliable expert can transform the experience for you. Whatever the future holds, it's our job to roll with the changes, plotting a course and always keeping your best interests at heart.
You will receive expert, honest, advice specifically shaped around your scenario - and it won't cost you a penny. We have been supporting homebuyers for over 20 years, most of whom have happily recommended us to their family, friends and colleagues. We are also recommended by many authoritative bodies. This foundation of trust is essential to the ethos of our independent business.
The Independent Financial Advisor you initially meet will remain your ongoing point of contact. The journey to securing your home isn't always easy, yet the support of a clear-talking, empathetic and reliable expert can transform the experience for you. Whatever the future holds, it's our job to roll with the changes, plotting a course and always keeping your best interests at heart.
Services
Julie is the sole owner of Warren & Co, and has been working in the financial service industry since 1982.
David covers Cornwall and North Devon.
He previously specialised in shared ownership and shared equity, and now concentrates on the whole of market.
Paul covers the Avon & Somerset and Shropshire areas.
Before joining Warren & Co, Paul worked for a local building society and has also had experience in the insurance industry.
Tim covers Warwickshire and Staffordshire with his mortgage surgeries, and has been in the industry for over 23 years.
David covers Cornwall and North Devon.
He previously specialised in shared ownership and shared equity, and now concentrates on the whole of market.
Paul covers the Avon & Somerset and Shropshire areas.
Before joining Warren & Co, Paul worked for a local building society and has also had experience in the insurance industry.
Tim covers Warwickshire and Staffordshire with his mortgage surgeries, and has been in the industry for over 23 years.
Buying your first home can be a daunting experience, and so Warren & Co aim to help make your house buying process as smooth as possible.
Things worth considering are the shared ownership and shared equity schemes, or a gifted deposit from a family member.
You will also need to remember the other costs associated with buying a home.
You will need to account for solicitor's fees, stamp duty, survey costs and the cost of furnishing your home once you have moved in.
If your current income is not enough to allow you to purchase the property you would like, it may be worth considering are Guarantor Mortgages or a Joint mortgage with your Parents or close family.
Things worth considering are the shared ownership and shared equity schemes, or a gifted deposit from a family member.
You will also need to remember the other costs associated with buying a home.
You will need to account for solicitor's fees, stamp duty, survey costs and the cost of furnishing your home once you have moved in.
If your current income is not enough to allow you to purchase the property you would like, it may be worth considering are Guarantor Mortgages or a Joint mortgage with your Parents or close family.
This is the same process as when you bought your first home, with additional costs to cover the estate agents and solicitors fees.
You will also still have stamp duty, survey fees and removals costs.
You can take the deposit from the equity in your current property or from savings if you sold your home some time ago.
When you are looking for a property, the first thing you will need is an Agreement in Principle.
As an agreement in principle requires a credit check to be carried out, it is very important that you seek advice beforehand to avoid unnecessary "hard" credit footprints on your file.
You will also still have stamp duty, survey fees and removals costs.
You can take the deposit from the equity in your current property or from savings if you sold your home some time ago.
When you are looking for a property, the first thing you will need is an Agreement in Principle.
As an agreement in principle requires a credit check to be carried out, it is very important that you seek advice beforehand to avoid unnecessary "hard" credit footprints on your file.
Sticking with your current lender after your initial deal comes to an end may seem attractive if their SVR (Standard Variable Rate) is reasonable, but if you are willing to take a little time to look for a better rate, remortgaging could save you a significant amount.
Fortunately, we make the process of finding the most suitable remortgaging deals simple.
We search for the most attractive rates among lenders across the UK.
Not only do we find the lowest interest rates, but we also take into account the flexibility of each lender scheme being offered.
Fortunately, we make the process of finding the most suitable remortgaging deals simple.
We search for the most attractive rates among lenders across the UK.
Not only do we find the lowest interest rates, but we also take into account the flexibility of each lender scheme being offered.
Having a low income and small deposit continues to be the main barrier stopping people from buying their first home.
The Help to Buy government schemes aim to make home ownership more affordable for people without substantial savings.
The Help to Buy Equity Loan is available on New build properties only.
Regional price caps apply.
The maximum loan is 20% of the purchase price; you can add to this your deposit which must be a minimum of 5%.
If you're buying a property in London, the Government will lend you up to 40% of the property price.
The Help to Buy government schemes aim to make home ownership more affordable for people without substantial savings.
The Help to Buy Equity Loan is available on New build properties only.
Regional price caps apply.
The maximum loan is 20% of the purchase price; you can add to this your deposit which must be a minimum of 5%.
If you're buying a property in London, the Government will lend you up to 40% of the property price.
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