Business Details
Trusted Mortgage & Insurance Brokers in Sutton
Cheam Financial Planning is a mortgage and insurance brokerage firm with over two decades of experience serving private clients and small businesses. We specialise in providing objective financial advice to help clients make informed decisions about mortgages, life assurance, and health insurance. Our services are tailored to individual circumstances, ensuring clients receive competitive and suitable financial solutions. As an Appointed Representative of PRIMIS Mortgage Network, we operate under the authorisation and regulation of the Financial Conduct Authority.Our proactive approach ensures clients are guided through every stage of the application process, with transparency and no hidden fees. We prioritise long-term client relationships, evidenced by our growth through client recommendations. Our team's expertise spans residential and buy-to-let mortgages, term assurance, and whole-of-life policies, with a focus on future financial security for families and businesses.
Services
Mortgage Advice
Life Insurance
Health Insurance
Remortgage Services
Buy-to-Let Mortgages
Term Assurance
Whole of Life Policies
Highlights and features
- We have over 20 years of experience in mortgage and insurance brokerage.
- We provide objective, tailored advice for individual client needs.
- Our proactive service guides clients through every application stage.
- We offer competitive rates from a comprehensive range of lenders.
- We operate with full transparency and no hidden fees.
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Advice
We provide expert guidance on residential and buy-to-let mortgages, helping clients secure competitive rates tailored to their financial circumstances. Our FCA-regulated service covers first-time purchases, remortgaging, and property investments. With access to a comprehensive range of lenders, we ensure transparent, personalised solutions for long-term financial stability.
Life Insurance
Our life assurance solutions include term policies and whole-of-life coverage to safeguard dependants' financial futures. We assess individual needs to recommend appropriate coverage amounts and terms, ensuring protection for families, businesses, and outstanding debts like mortgages.
Health Insurance
We offer health insurance policies providing financial protection against medical emergencies and critical illnesses. Our tailored solutions help clients access private healthcare services while managing potential income loss during treatment periods.
Remortgage Services
We help homeowners secure better mortgage deals by analysing current terms and market options. Our service includes assessing equity positions, refinancing opportunities, and ensuring smooth transitions to more favourable rates or loan structures.
Buy-to-Let Mortgages
We specialise in buy-to-let mortgage solutions for property investors, offering competitive rates and landlord-specific financial products. Our advice considers rental income potential, portfolio growth strategies, and tax-efficient structuring for long-term property investments.
Questions
What mortgage types do you offer?
We provide residential mortgages, buy-to-let mortgages, and remortgage solutions tailored to individual circumstances.
Are your services regulated?
Yes, we operate as an Appointed Representative of PRIMIS Mortgage Network, authorised and regulated by the Financial Conduct Authority.
Do you charge broker fees?
A £495 fee applies for loans below £200,000, with no fee typically charged for larger mortgages.
What insurance products do you cover?
We offer life assurance (term and whole-of-life policies) and health insurance to protect families and businesses.
How do you tailor financial advice?
We assess individual needs and circumstances to recommend competitive, suitable mortgage and insurance solutions.
Which areas do you serve?
We operate in Sutton, Cobham, Epsom, Leatherhead, and Wheathampstead, with nationwide mortgage coverage.
