North to South Financial Services Ltd

North to South Financial Services began in October 2021, when Lauren and Zach set up their own firm after working in estate-agency mortgage brokerages, banks, independent brokerages, and financial administration. That background helps explain their approach: guiding clients through a home-financing transaction, laying out the stages, and clarifying what information they may need before applying for a mortgage.

The process described by the firm starts with a conversation about the client’s plans, budget, and affordability. From there, it helps prepare an agreement or certificate in principle—a lender’s preliminary indication of the funds it may offer—and consider additional costs such as valuations, legal fees, moving expenses, and lender charges.

Its mortgage guidance covers first-time buyers and people moving home, remortgaging, or considering a buy-to-let or investment property. The firm’s menu also addresses self-employed applicants, people with adverse credit histories, shared-ownership buyers, and Right to Buy applicants. Availability and terms depend on each client’s circumstances and lender criteria.

After a home offer is accepted, the firm can help review mortgage products available for the client’s stated circumstances and submit an application to a lender. It also describes coordinating with the solicitor or conveyancer handling the legal transfer, and explains that a lender’s mortgage valuation serves a different purpose from a detailed inspection of the property’s condition.

Alongside mortgages, North to South offers guidance on financial protection: life insurance, critical illness cover, income protection, family income benefit, and buildings and contents insurance. Those policies are discussed in relation to the home, income, and people who depend on the buyer, while the terms of each product still need to be considered individually.

Lauren and Zach describe personal service, approachability, and understanding each client’s circumstances as their working principles. The firm is an appointed representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services, which is authorized and regulated by the Financial Conduct Authority. The company says its online guidance is aimed primarily at consumers in the United Kingdom.

Based in Gedling, within the Nottingham area, the firm says it works with clients across the UK and can arrange appointments outside its usual hours by request. With a mortgage, a home may be repossessed if repayments are not maintained, so affordability, term, and obligations are central to the initial discussion.