Mortgage advice for Forseti clients

We do not arrange mortgages. When your plan needs one, we refer you to Mortgage One, a specialist mortgage broker run by Matt Moffat. Matt handles the lending. We stay on the plan.

Why we refer rather than advise

A mortgage is the largest debt most of our clients will ever carry. It touches everything else we do with you: how a business pays its directors, what you gift and when, how much pension you can afford to fund. We would rather that piece was handled by someone who arranges mortgages all day than by an adviser who does it occasionally. We know Matt and we know how he works. The referral is a recommendation, not a formality.

Where Mortgage One earns its keep

Most brokers are set up for a salaried borrower with a straightforward deposit. Our clients rarely look like that. Mortgage One specialises in cases where the lender has to be chosen for the way the income actually arrives. Directors paid through retained profit or dividends rather than salary. Buy to let (BTL) and limited company landlords adding to or refinancing a portfolio. Clients living or paid abroad who want UK property, including expat mortgages. Larger loans, interest-only structures and lending that runs into retirement. Remortgages timed around an estate or retirement plan rather than around a rate.

Mortgage One has access to the whole of market for mortgages, so the lender is chosen to fit the case rather than the other way round. Matt is based in Dorset and works with clients across the UK and overseas. Location does not matter. The case does. Expat clients need to be on UK soil to receive advice.

How a referral works

Tell your Forseti adviser you need a mortgage, or contact Mortgage One directly and mention Forseti. Matt will call you to understand the case before anything goes near a lender. Where it helps, Matt and your Forseti adviser speak to each other, so the mortgage and the plan are built together rather than one after the other. Mortgage One’s terms are its own and Matt explains them before any work starts.

About Matt Moffat

Matt Moffat is the director of Mortgage One. He holds CeMAP and CeRER and is a member of the London Institute of Banking and Finance. Before broking he spent 30 years in institutional capital markets in London and Asia, which is why he reads a lender’s appetite the way a trader reads a market. He owns and manages a buy to let portfolio of his own, so the landlord conversation is one he has had with his own money.

Mortgage One is a trading style of Sandsea Capital Limited, an appointed representative of Quilter Financial Services Limited which is authorised and regulated by the Financial Conduct Authority.