About Us

About Us.

With over 30 years’ experience in financial advice, specialising in mortgage and protection, Ian started Grindley Potter Ltd in 2009.

We are immensely proud of the reputation we have garnered since; the vast majority of our business is a result of referrals from satisfied clients. We still have loyal clients dating back to Ian’s early days as a financial adviser in the 1980’s and are even now advising their children as they make their own way in the world.

Ian’s son, Henry, now spearheads much of the day-to-day running of the company. Our business is founded on approachable, friendly service, informed by the family feel of our operation.

We have access to numerous exclusive broker-only deals and select our products from a wide range of financial products, many of which are not available through the banks. We are transparent and open in our fee structure so you can be sure you’re getting the best advice at the best value.

 FAQs

  • Mortgage advisers have expert knowledge of the lending market. They are able to guide potential buyers and homeowners through the enormous range of deals and interest rates that are available in the UK to ensure they chose the best mortgage for them.

    A professional mortgage adviser will evaluate how much you can afford, and suggest the types of mortgage that could suit your needs and personal circumstances. A mortgage adviser will be able to tell you how much and which mortgage lenders would be prepared to lend to you, and advise on the most suitable scheme that is available or on offer.

  • When applying for a mortgage, it's a great idea to get ahead of the game and try to sort out the things that you are likely to need, especially now that things like bank statements and bills are often only available online.

    While what you will need will depend on your personal/current circumstances and the lender in question, this brief checklist should give you an idea of where to start:

    • Check your credit score & report

    • Make sure that you can evidence where your deposit is coming from and build up of funds for at least 3 months

    • Ensure that you have the relevant documents to prove your income (for employed, 3 months, for self employed, minimum 1 year)

    • Double check that your ID and address is up to date on all accounts and bills

  • There are many people that ask the question of “am I able to secure a mortgage if I have bad credit in the UK?” and the answer for the majority of cases is yes you can. However, some mortgage lenders will turn you away if you have unfavourable issues on your credit file, some providers will base their lending decision on the severity of the credit issues, how long they have been on your credit file, and how close you match their other eligibility and affordability requirements. There are however lenders out there who specialise in lending to those with adverse credit and here at MO we will always look at all the options available, regardless of your situation.

  • The general purpose for re-mortgaging your property is to either move onto a better interest rate deal or to borrow more money. Here are some of the more particular reasons why the majority of people decide to remortgage:

    • Raising Capital - you might consider remortgaging to raise money for things like home improvements or maybe you are looking to invest your money somewhere else

    • Move to a Better Rate - each lender offers different products, and when the majority of product rates come to an end, you will typically revert back to your lenders Standard Variable Rate. Moving to another lender or different type of mortgage could save you money. Remember, it could be that the value of your home has increased meaning that you have more equity in your home and as a result means you could get a better deal

    • Switch to a Capital Repayment Mortgage - your situation may have changed, and it may be that an interest-only mortgage or capital repayment mortgage becomes more suited to your circumstances