Welcome to Keystone Financial Services
Established for over 33 years on the Fylde coast, Michael Wright of Keystone Financial Services offers a whole of market option for mortgages, remortgages and finance requirements.
With no ties or commitments to any particular lender this means that we can shop around to find the right mortgage to suit your personal circumstances, giving you a whole of market solution to satisfy your needs.
Getting the Right Mortgage
We will match your requirements with lenders’ affordability calculators prior to making any application and then advise on the right mortgage for you.
Is a fixed rate mortgage the right choice?
Would a discount or tracker rate scheme suit you better? What about lender’s fee charges? Is the mortgage portable?
All these questions form part of the extensive research we provide before giving you options for your requirements. If you require a remortgage then consider the purpose – are additional funds needed for home improvements, debt consolidation or other purpose and if so is a remortgage the right choice? It may be that a further advance or secured loan may be better suited to your requirements. We will calculate the costings and provide comparisons to find what’s right for you.
We can help you with Mortgage and Financial advice on:
Secured Loans (capital raising for improvements, debt consolidation, holidays etc)
Buy to Let and Let to Buy
Right to Buy
Help to Buy and other Government Assisted Schemes
Shared Ownership Schemes
We can also help with Insurance advice regarding:
Critical Illness Insurance
Family Income Protection
Whatever your needs talk to us for a solution
Buy to let and commercial loans are not regulated by the Financial Conduct Authority. A fee of 1.5% of the loan amount to a maximum charge of £850 is payable at completion for mortgages and all regulated products. For product transfers, secured loans and further advances these will be charged up to a maximum fee of £250. We are directly authorised and regulated by the Financial Conduct Authority, Keystone Financial Services being the trading name of Keystone F.S. Limited, No. 300607.
Once you have decided on the most suitable mortgage you also need to consider protecting the mortgage in the event of death, critical or long term illness and to provide peace of mind should any of these events happen. Different types of cover are available to suit most situations be this a basic mortgage protection policy, an income protection plan, a separate policy to benefit say children, critical illness protection or a combination of cover to suit your personal circumstances. We will always look at current covers and if appropriate make recommendations to you.
Please complete our online enquiry form at the bottom of the page and we will normally contact you within the same working day during business hours or if you would prefer us to contact you outside normal business hours then please advise and we will quite happily do so. Alternatively you can telephone our office and ask for Michael Wright on 01253 713959 or 07836 685850. Sometimes it is more convenient to have a home visit and if this is your requirement then please indicate on the enquiry form.