Charwin Private Clients

Independent mortgage and insurance brokerage in Norwich

Charwin Private Clients is an independent mortgage and insurance brokerage based at Holland Court, The Close, Norwich. The firm presents itself as an intermediary with unlimited access to the mortgage market and states that it works with almost all banks and building societies, allowing it to compare products and recommend switching lenders or mortgage types. Its services are aimed at clients throughout the Norfolk region.

The company is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 498486, and is registered in England with company number 06628612. The website states that its content is intended solely for persons resident in the United Kingdom.

Mortgages: first-time buyers, remortgaging and buy-to-let

The mortgage services cover the main purchase and refinancing situations:

• First-time home purchases (first-time buyers).
• Remortgaging, including switching to a new product with the current lender.
• Home movers.
• Buy-to-let mortgages for rental properties.
• Mortgages for special purpose vehicle (SPV) companies and limited companies.
• Commercial mortgages and business finance.
• Second-charge secured loans (second mortgages).
• Bridging finance and auction purchases.

The website describes a broad panel for second-charge loans and access to thousands of mortgages, including some that are not offered directly to the public. The firm states that it can assist with almost any circumstance and that the process is organised in four steps: comparing offers, checking eligibility, submitting the application and tracking the case.

Support throughout the process

According to its presentation, each client has direct access to a mortgage or insurance adviser and a dedicated case manager. The team handles dealings with lenders, solicitors, estate agents and surveyors, keeps the client informed, checks that the mortgage offer is correct and coordinates completion. The company states that it has arranged over £1.5 billion in mortgages and served more than 6,000 clients.

Insurance and protection

The insurance offering includes home, landlord, business, life and critical illness, and income protection policies. The firm highlights its Defaqto 5-star rated home insurance. It also offers comparison tools for car, van, home and motorcycle insurance.

Fees and financial terms

The company states that it does not charge for an initial consultation to see what it can offer and does not take fees upfront. Mortgage advice and processing carry a fee of £695 or £1,495 depending on the complexity of the case, which the adviser explains before engagement and which is only payable on completion. Taking out life, critical illness, income protection and other protection policies does not generate a commission. For second-charge secured loans, the website shows a representative example with a variable APR of 7.5%, an annual interest rate of 6.9% and a payment of £631.06 for 240 payments on £80,000 borrowed.

Client reviews

The firm states that it uses Trustpilot to collect client feedback and that, to date, clients have rated it as excellent.

Location and contact

Holland Court, The Close, Norwich, NR1 4DY · Phone: 01603 216881 · Email: customerservices@charwinpc.co.uk