Mortgage Advice Service from Specialist Mortgage Advisers

Mortgage AdviceTrue Bearing believes that your mortgage adviser should be independent. By that we mean that there are no biases to any mortgage provider.

We also believe that your mortgage adviser should be a specialist. Someone who knows the market, lender terms and conditions, and matches the right lender to your needs.

Since 2003 we have been doing just that. We have arranged thousands of mortgages for clients that value the assistance of a knowledgeable mortgage consultant.

Application and completion fees often mean that the lowest headline rate is not the lowest cost deal overall. We always explain the true costs

All lenders have strict qualifying criteria, which a specialist mortgage adviser understands, thereby directing you to the right lender and saving you time and heartache.

We advise on all types of mortgages:

  • New Purchases

  • Re-mortgages

  • First Time Buyers

  • Guarantor mortgages

  • Self-Build

  • Buy to Let, for individuals or limited companies

  • Let to Buy

  • Purchase of commercial premises via your SIPP or SSAS

  • Equity Release (see equity release page)

Purchasing any property is likely to be one of your major decisions in life. Please read the following notes, before applying for your mortgage.

Your home may be repossessed if you do not keep up repayments on your mortgage.

In relation to mortgage and equity release business, most providers will pay True Bearing Chartered Financial Planners a procurement fee. This will be payable to True Bearing in addition to our fee of £495 per mortgage, £695 per Buy-to-Let mortgage, and £695 for equity release.

Equity Release may involve a lifetime mortgage or home reversion plan. To understand the features and risks, ask for a personalised illustration.

Let us contact you

What our clients are saying about us

Excellent service from Jon Neale and True Bearing Chartered, people who really do know what they are doing . He explained everything about my pensions clearly and precisely and has put them into a fund where I am secure in the knowledge that I will have an income from them for my retirement. Perfect five star service from a company I would happily recommend to anyone

Darran Wrigley, Manchester

I have known Greg for several years, as he used to be my mother’s adviser. He found me a better deal on my mortgage where I have reduced my monthly outgoings.  He was also able to find a more suitable and less costly life and critical illness insurance policy.  The information that he has provided has always been very helpful and I would recommend him to anyone.

Christine Champan, Cumbria

Because Les provides comprehensive and sound financial advice to me personally and to my family, I have no hesitation in recommending him when our clients ask us about pensions or investments.  Les’s friendly and approachable manner displays a wide knowledge of financial solutions, and he always explains in detail the options given, so that an educated decision can be made.

Josie Smith, Accounts Matters Ltd – Lancaster

We have dealt with David Oversby for the majority of our financial affairs for the last 10 years. We have found him to be professional and attentive at all times offering astute and accurate advice.

Jo Blakeway, Radio Presenter, Century FM

We have used Rob for advice in a number of differen areas, especially in relation to our pension planning and insurance policies, and he has always provided us with a clear solution. We have happily recommended him to many of our friends and family and will continue to do so. He is a pleasure to deal with.

G McDonald, Senior Project Manager, EC Harris – Leeds

For the first time, I can now look to a planned retirement in the safe knowledge that Julie has my needs in mind and can advise me instantly on how to deal with any unplanned occurrences. I have in turn recommended Julie to my family, friends and work colleagues as she shows honesty, reliability and a great determination to get the best for her clients.

Tony Carden, Commercial Manager – Liverpool

Mark produced a report addressing my concerns about Inheritance Tax. He recommended the use of an offshore investment and a protection plan which would have an immediate benefit to my financial planning.As a result of his advice, I estimate that my estate will save over £250,000 in Inheritance Tax, although Mark contacts me regularly to ensure that my planning is effective. I would recommend Mark and True Bearing to anyone wishing to protect their assets and pass on wealth to their families.

Mrs H, JP – Lytham

Michael has been my IFA for some years, managing my SIPP and providing ongoing general investment advice.  Having used other companies previously, he came as a breath of fresh air.  His client care and attention to detail is absolutely superb, and following his advice at our regular reviews during each year has stood me in good stead as regards the performance of my SIPP, which has consistently been most satisfactory, despite the difficult financial times over the last couple or so years.

John Wane Esq, McKendrick and Wane Ltd – Preston

Our Independent Financial Advisers

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Call us on: 01257 260011, email: or click below to send an enquiry

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