Carl Elsby – Mortgage Adviser is based in Stoke-on-Trent, Staffordshire, however, as well as being local to lots of clients in Stoke-on-Trent we cover all over the UK via telephone consultations and Team meetings for Mortgage Advice, Equity Release / Lifetime mortgages, and Insurance Protection Advice.

Whether you are a First Time Buyer, Re-mortgage, Moving home, Buy to Let, Equity Release / Lifetime Mortgages we can help.

As Mortgage & Protection Insurance Adviser, we are able to source mortgages from a full range of deals currently available in today’s mortgage market. With no ties to anyone lender, bank or building society, we review your requirements and research all the lenders to find a suitable mortgage for your specific circumstances.

We also have access to an excellent range of Life, Critical Illness & Income Protection Policies so why not have a review to see what’s available.

We are also members of the Equity Release Council and only deal with Lenders for Equity Release / Lifetime mortgages who adhere to their rules.

For Mortgages, Protection and Equity release, Carl Elsby is an adviser with Julian Harris Mortgages Ltd (FCA No. 304155), which is authorised and regulated by the Financial Conduct Authority.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages such as commercial BTLs are not regulated by the FCA.

Equity release may involve a lifetime mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration. Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.