T.S Mortgage & Protection Solutions Ltd

T.S MORTGAGE & PROTECTION SOLUTIONS LTD

Mortgage Broker in Stoke-on-Trent and Trusted Partner in Financial Peace of Mind

About us

T.S. Mortgage & Protection Solutions Ltd is a mortgage broker based in Stoke-on-Trent. The firm provides mortgage and protection advice to clients across a range of circumstances.

Whether you are a first-time buyer, planning to remortgage, moving home, or reviewing your protection arrangements, their advisers offer guidance to help you understand the options available. Advice is based on your individual circumstances and financial objectives.

The team takes time to gather relevant information about your needs and preferences before making any recommendations. Explanations are provided in clear and straightforward language so you can make informed decisions about your mortgage or insurance arrangements.

T.S. Mortgage & Protection Solutions Ltd has access to a range of mortgage and protection products from lenders and insurers. Any recommendation will depend on your eligibility, the lender’s criteria, and your personal financial situation.

Mortgage advice is tailored to your circumstances and provided in line with regulatory standards.

If you would like to explore your options, you can find Mortgage Advisers through Connect Experts to arrange a discussion.

What We Do?

Residential

Residential mortgages help you buy or remortgage your home. We offer expert, whole-of-market advice tailored to your income, goals, and property plans.

Buy-to-Let

Buy-to-let mortgages help landlords purchase rental properties. Suitable for investment purposes, they require higher deposits and are assessed on rental income potential.

Commercial

Commercial mortgages help businesses purchase or refinance property. We offer expert advice, competitive rates, and access to a wide range of UK lenders.

Protection

Protection safeguards your mortgage, income, and family. Life cover, critical illness, and income protection offer peace of mind when life takes an unexpected turn.

Enquiry

This is the initial point of contact between the client and the mortgage adviser.

Purpose: To explore options and assess suitability.

Fact Find

This is a detailed information-gathering session required to give tailored advice.

Purpose: To build a full picture of the client’s financial circumstances and needs.

Application

A formal mortgage recommendation is made and the application is submitted.

Purpose: To secure an agreement in principle and submit a full mortgage application.

Completion

This is the final step, where the mortgage is approved, and the transaction completes.

Purpose: To finalise the purchase or remortgage and release funds.

What makes us unique

We take time to understand your individual circumstances, financial position, and future plans before making any recommendations. Mortgage advice is tailored to your needs and preferences, ensuring that suitable options are clearly explained so you can make an informed decision.

Independent and Impartial Access

We have access to a broad panel of lenders and insurers and are not tied to a single provider. This allows us to present options from across the market that meet your requirements. All recommendations are made in line with regulatory standards and the principles of treating customers fairly.

Flexible and Accessible Appointments

Appointments are available online, by phone, or face-to-face, depending on what suits you. We aim to make the process straightforward and accessible, keeping communication clear at every stage.

Supporting a Diverse Community

We are proud to serve a diverse community, including Urdu and Punjabi speaking clients who may prefer discussing financial matters in their native language. Clear communication helps ensure clients fully understand their mortgage options, responsibilities, and commitments.

Islamic and Sharia-Compliant Mortgages

For clients seeking Sharia-compliant home finance, we can explain Islamic mortgage structures such as Home Purchase Plans. These are designed to align with Islamic finance principles, including the avoidance of interest. We will outline how these arrangements work, how payments are structured, and what obligations apply, so you can decide whether this type of finance is suitable for your circumstances.

We have access to over 200+ Lenders and Providers

We have access to a comprehensive panel of over 200 lenders and providers. This allows us to consider a wide range of mortgage and protection options when assessing your needs.

Our advisers will review your personal and financial circumstances before making a recommendation. Any advice provided will be based on suitability, affordability, and your stated objectives. Rates, terms, and product availability are subject to lender criteria and individual eligibility.

This approach helps ensure that the recommendation is appropriate for your situation and aligned with regulatory standards for treating customers fairly.

T.S MORTGAGE & PROTECTION SOLUTIONS LTD is an Appointed Representative of Connect IFA Limited 441505, which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference 1028651.

The FCA do not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Your property may be repossessed if you do not keep up with repayments on your mortgage

There will be a fee for mortgage advice; the precise amount will depend upon your circumstances. Your Consultant will confirm the amount before you choose to proceed, but we estimate it to be a minimum
of £499 or 0.5% of the mortgage balance, for example, £500 on a £100,000 mortgage.

We usually charge a fee of £199 admin fee when submitting your application to the lender.

97
Blurton Road
Stoke-On-Trent
Staffordshire
ST3 2BS

Registered in England and Wales No: 1028651

Commission Disclosure

We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation.Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.

How to make a complaint

It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to:

Compliance Department
Connect IFA Ltd
39 Station Lane, Hornchurch, RM12 6JL
Call: 01708 676110

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service:
www.financial-ombudsman.org.uk

Think carefully before securing other debts against your home.
By consolidating your debts into a mortgage, you may be required to pay more over the entire term than you would with your existing debt.

The actual rate available will depend upon your circumstances. Ask for a personalised illustration