Prism Financial Services

We are independent financial advisers specialising in mortgages, protection and insurance services. The core team of the firm brings together a combined working experience for more than 35 years in banking and financial services industry globally having catered to retail clients specialising in mortgages and insurance. We run our operations out of London and Leicester which gives us an unique advantage to cater to clients across varied locations.

We pride ourselves to be able to offer uncompromising customer service and our core objective is to be able to offer the right market solutions customised to your specific needs and requirements be it Mortgage services or Insurance cover for Life, Critical Illness and Income protection or Commercial and Business loan

A First-time buyer is someone who has never owned a residential home of their own, however this excludes ownership of Commercial properties. One of the first boxes that needs to be ticked by a first-time buyer is the amount of deposit they are going to put down, as this will establish the amount of borrowing required from a mortgage lender.

The loan to value popularly known as LTV varies from lender-to-lender and hinges on the amount of deposit the borrower is willing to put down. The higher the deposit, the more options there are available, in terms of interest rates.

2020