Zeo Mortgages

Zeo Mortgages, independent mortgage advice in Northwich (Cheshire)

Zeo Mortgages is a mortgage advice firm based in Northwich, Cheshire, operating as a trading name of Zeo Finance Ltd. It presents itself as an independent adviser directly authorised by the Financial Conduct Authority (FCA), with number 915386, and its activity is aimed at UK consumers. The company is registered in England and Wales with company number 10950796.

The service is built around free, no-obligation initial advice: according to the company, all initial work and advice are free and, if a mortgage offer is not obtained, the client pays nothing. The team is described as independent and qualified, and works on behalf of the client rather than the lenders.

Products and client profiles

The firm covers different mortgage financing needs. Its range includes mortgages for home purchase, remortgaging, mortgages for clients with adverse credit history, buy-to-let mortgages, expat mortgages and solutions for Hong Kong residents. It also serves first-time buyers, home movers and property investors.

The company states it has access to hundreds of lenders and thousands of products, including specialist lenders beyond the high street, and says it compares more than 10,000 mortgages to find the most suitable option for each case. It also indicates it can refer to partner companies covering conveyancing, secured and bridging loans, commercial finance, solicitors and will writing.

How the team works

The process begins with a search of the mortgage market and continues with the full processing of the application through to completion. Zeo Mortgages handles reviewing available offers, keeping the client informed with regular updates and managing the transaction with lenders to reduce delays. The firm stresses that its advisers are qualified to give mortgage advice and that, by dealing with lenders daily, they know how the application process works.

The team adapts to the client's availability and offers service in Cantonese, as reflected in the testimonials on its website. Among the profiles it serves are clients with complex incomes, difficult credit situations, unconventional income sources, foreign nationals and landlords with buy-to-let portfolios.

Fee structure

Zeo Mortgages charges a single payment payable when the mortgage offer is granted, ranging from £195 to £995 depending on the complexity of the case. The company states there are no hidden fees and that initial advice is free.

Team

Andrew Snowdon is a mortgage and protection adviser (CeMAP) and managing director of Zeo Finance. He has 21 years of experience in financial services and founded the firm in 2017 with the aim of offering quality independent mortgage advice.

Ross Muge is a senior mortgage and protection adviser (CeMAP), with more than 20 years of experience in complex cases: complicated income and credit situations, unconventional income sources, foreign nationals and landlords with buy-to-let portfolios. Jennifer Ridgeon is a senior mortgage and protection case manager, with more than 20 years of experience as an adviser in this field.

Registered office and scope of activity

The registered office of Zeo Finance Ltd is at 604 London Road, Davenham, Cheshire, CW9 8LW. The firm operates under the brands Zeo Mortgages, Zeo Protect and Zeo Commercial, part of Zeo Finance. Its activity is subject to the UK regulatory regime and is aimed at UK consumers.

Location and contact

604 London Road, Davenham, Cheshire, CW9 8LW · Phone: 01606 531 556 · Email: info@zeomortgages.co.uk