How we work

We operate as independent advisers, which means we are free to advise on financial products available from all product providers. We use advanced computer software to research, compare and select the most suitable deals currently available. We are thus able to make arrangements to maximize the benefits to our clients.

We will review your mortgage requirements, or your existing mortgage if you already have one, and make a realistic assessment of your likely needs. For this, you'll need to set aside some time to talk to us - the first one-hour consultation is free. There's no charge, and no obligation, until you are happy to proceed with an application.

Depending on your instructions we will source a mortgage/ re-mortgage for you, and advise on any related life insurance cover and/or general insurance needs. 

You will receive professional advice about your existing financial arrangements and where these are unsuitable for your current circumstances we will plan together to ensure your objectives and priorities are met.

You'll also have our help in deciding how much you can afford and the best way forward. And of course it will all be sensibly balanced in relation to your current income and your prospects

All our proposals will be fully explained and costed so that you'll know exactly what and why before you agree to anything.

Alexander Sterling is a trading style of Radcliffe and Newlands Ltd which is an Appointed Representative of Sage Financial Services Ltd, which is authorised and regulated by the Financial Services Authority. Sage Financial Services Ltd is entered on the FSA register (http://www.fsa.gov.uk/register/home.do) under reference 150452.

Your home may be repossessed if you do not keep up repayments on your mortgage.

For details of our fees for mortgage business please see our page "How we are Paid".

The Financial Services Authority does not regulate some forms of Mortgage.

Please read our Privacy Statement before completing any enquiry form or before sending an email to us.