Look 4 Mortgages

Look 4 Mortgages, mortgage and protection brokerage in the UK

Look 4 Mortgages is a brokerage specialising in mortgages and protection products operating in the UK. It trades under the name Look 4 Mortgages Ltd and is an appointed representative of PRIMIS Mortgage Network, a company which in turn trades as First Complete Ltd, authorised and regulated by the UK Financial Conduct Authority. The firm was founded in 2018 by principal broker David Wilkinson.

Its activity is aimed both at those buying their first home and at homeowners changing house, remortgaging or expanding their property investment portfolio. The company lists among its areas of specialisation complex cases, such as those with damaged credit history, gifted deposits, equity deposits or debt consolidation.

Mortgage services

The firm's range covers various types of mortgage loan:

• First-time buyer mortgages, with support at every stage of the process.
• Home mover mortgages.
• Remortgages, including rate changes, capital raising, debt consolidation and transfer of equity.
• Mortgages for clients with damaged credit history, one of the areas the company presents as a speciality.
• Buy to let mortgages for those expanding their investment portfolio.
• Right to Buy mortgages and concessionary purchase mortgages, aimed at those buying their council home.

Protection, insurance and legal services

Alongside the mortgage loan, the brokerage offers protection products: life cover, critical illness cover, income protection and family income benefit. It also offers buildings and contents insurance for the home and belongings, arranged in coordination with the mortgage.

For the legal side of the transaction, the company has a partnership with a specialist solicitor firm that simplifies the legal formalities associated with the purchase.

How we work

The process described by the firm is structured in four stages. It begins with an initial interview or fact find, which can be arranged by phone or by booking online, and in which the client's situation is analysed. A document checklist is then sent for the client to prepare before that appointment. Next, a verified decision in principle is obtained, which provides confidence both in remortgages and in moves or first purchases. Finally, once the property is found or the research is complete, the brokerage packages the case, submits the application and follows it through to completion.

The company states that it charges a fee for its advice and that it communicates the amount at the earliest opportunity.

Client profile and reviews

The firm states that it has served hundreds of families and homeowners across the UK. Its page includes a 5.0 rating on Google with ten reviews, as well as reviews on Trustpilot. Among the published testimonials are those of Mark Buckingham, Debs Hill, Obaid Ur Rahmaan, Hafeez Rehman, Jonathan Borsos and Sarah Jayne, which mention cases of remortgaging, home purchase, bespoke mortgages and support for first-time buyers.

Calculator and legal warnings

The site includes a mortgage repayment calculator that allows you to estimate the monthly payment based on the type of mortgage (capital and interest repayment or interest only), the property value, the deposit percentage, the interest rate and the term. The tool itself warns that it is only an estimate and does not constitute mortgage advice.

The company reminds that your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it. It also details its complaints procedure: complaints can be made by phone or email and, if not resolved within eight weeks, the client may refer the matter to the Financial Ombudsman Service.

Offices and locations

Local Head Office: 1 Carr House Road, Shelf, Halifax, HX3 7QY

Local Regional Office: Office 11, 13-15 Preston Street, Fleetwood, FY7 6JA