We walk you through every step.
Independent mortgage advice from advisers based in Barrow-in-Furness. We search a huge range of lenders to find the right deal for you — with complete impartiality.
Whether you're stepping onto the property ladder for the first time or managing an established portfolio, our advisers have the experience to find the right solution.
We guide you through every step — from understanding what you can borrow to the day you collect your keys. Clear, jargon-free advice.
Explore →Coming to the end of your fixed term? We search the whole market for a better rate and manage the entire process for you.
Explore →First-time landlord or seasoned investor — we find the most competitive buy-to-let products across the entire market.
Explore →Upsizing, downsizing or relocating within Cumbria — we make sure your next mortgage move is financially optimal.
Explore →Bad credit history, failed credit scoring, CCJs or Defaults? Don't give up — we work with specialist lenders who consider your full picture, not just your credit file. We help clients who've been turned away by high street banks get the mortgage they deserve.
Explore →Life cover, critical illness, income protection, children's cover, key man cover and business protection — the right policies to protect you, your family and your business.
Explore →Unlike banks who can only offer their own products, we search the entire market — meaning genuine, impartial advice, not a sales pitch.
High street banks, specialist lenders, and exclusive products unavailable direct to the public.
A single point of contact from first call to completion — no call centres, no being passed around.
Your options explained in plain English, with regular updates at every stage of your application.
Based in Barrow-in-Furness with deep knowledge of the Cumbrian market and national lender access.
Tell us your situation — we outline all options with no pressure and no obligation.
We compare hundreds of products to find the very best deal for your circumstances.
We handle all paperwork and liaise directly with the lender on your behalf.
We see you through to the finish line, keeping you informed every step of the way.
Use these tools to research your next move — from calculating stamp duty to checking the latest Bank of England base rate and regional house prices.
The current official rate set by the Monetary Policy Committee — directly affects your mortgage costs.
Calculate exactly how much Stamp Duty Land Tax (SDLT) you'll pay on your property purchase — including first-time buyer relief and second home surcharge.
Average property prices across England & Wales based on the latest HM Land Registry data.
Explore average property prices by region, property type, and buyer type using the official UKHPI interactive tool — updated monthly by HM Land Registry.
Download the latest monthly reports showing average house prices, volume of sales, and price changes across England and Wales.
See what properties have actually sold for in any street or postcode — powered by the Land Registry Price Paid dataset.
"Currently in the process of getting our second mortgage with Face to Face. Decades of experience and will do their absolute best for you, very thorough and reasonably priced. The place to go for a mortgage or financial advice around here."
"I got my mortgage through Paul, and the whole process could not have been smoother. As a first time buyer it really helped to have things explained in a manageable way — it took a lot of the stress out of the whole process. Could not recommend enough!"
"I've used Paul at Face to Face numerous times now. Other mortgage advisors have given me bad advice in the past. Paul is straight down the middle and really knows what he's talking about. I wouldn't go anywhere else."
"Paul is a legend. Came up trumps on my mortgage and again on my re-mortgage. Well worth the broker fee — takes the stress out completely."
"Always great personal service. Always get the right deal to suit my circumstances."
"Couldn't recommend Paul and the team enough! Paul helped me re-finance after renovating my house and sorted everything out for me. I went with Face to Face from these reviews so hope this helps someone else with their mortgage."
"Highly recommend from start to finish. Paul was very helpful and Natasha too, who went over and above with everything we asked. Thank you so much."
"Throughout a really tricky property chain Marc and Natasha went above and beyond to help us successfully purchase our new home. We have found the property market to be a frustrating process, throughout which Face to Face have always offered us genuine advice. We will certainly be recommending Face to Face to everyone we know."
"Couldn't recommend Paul & team anymore — fantastic service that took the stress and hassle out of sorting a mortgage. Twice we've used them now and both times have been superb. Well recommended."
"Couldn't thank Paul Waddington enough for all his efforts and support in helping us get on the property ladder. It has been a bit of a journey but today we completed and have the keys to our first family home. Thank you for everything!"
"Paul was great and kept me updated with all the paperwork and what needed signing. Would recommend 100%."
"Thanks very much to Marc and his team for pointing me in the right direction and helping me buy my first home. Made everything so easy!"
"Absolutely couldn't recommend more. So helpful and very grateful to have had Marc helping with my first mortgage. Went into the first meeting knowing absolutely nothing — walked out totally at ease. Someone who was actually interested and took it upon themselves to not only do their job but help with anything along the way."
"Many thanks to a great service provided by Paul on the purchase of my new home. His knowledge and experience had me moved in within 3 months after struggling to acquire a mortgage elsewhere. No bank interviews — Paul dealt with the lot from start to finish. All I was left to do was collect the keys."
"Excellent service from both advisors Mark and Paul. SDG Accountants have highly recommended Face to Face to all our clients in the past."
Book a free, no-obligation consultation and we'll start searching the whole market for you today.
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