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unbiased mortgage and protection advice

We work for you, not a lender or any other provider.

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How Can We Help You

Hare at Searchlight Mortgages we can advise on the following business areas, however, as part of a larger network we also have access to experts in commercial lending, financial planning such as pensions and commercial insurance.

Mortgage

There are many providers of mortgages in the UK, some less visible than others. Our proposition is to search for the mortgage best suited to your requirements.
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Re-Mortgage

This can potentially be a great way to save some money and, if required, raise additional funds. You may have to pay an early repayment charge to your existing lender if you remortgage.
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Protection

No obligation advice provided for protection for yourself, your family, your income and your property.
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About Us

My name is Lewis Davies and I am the owner of Searchlight Mortgages. I set this company up following over 20 years of corporate life in the financial services industry where I specialised in the mortgage lending business area. My career saw me progress from trainee manager to area manager covering half of the UK.
I have seen many changes in the mortgage market over the years and firmly believe that proper advice is more important in the current climate than it ever has been. Lenders vary and many of them have differing opinions on how current regulation is interpreted, this makes choosing the right provider more difficult than ever not just for the interest rate charged but also for the lender who will be best suited to your circumstances.
Every client interview that we undertake will include a full assessment of your circumstances and a full recommendation on all relevant products and policies. We will explain the recommended mortgage to you in detail and, then, do all the work to submit the application and manage the case through to completion.
We have, at our disposal, technology which will help pinpoint the best deal, lender and insurance provider for your individual circumstances.
If you think that we can help you please contact us by phone or email and we can have an initial discussion and agree a way forward.

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Frequently Asked Questions

Why do you need my data and what will it be used for?
We need to know your basic personal data so we can make contact with you and respond to your message, request or query. All the personal data we process is processed by our staff in the UK.
Your data will only be shared with third parties if this is necessary to respond to your request. If this is the case, we will seek your permission before passing on your details.
We may store your data for up to six years past the end of any business relationship, after which time it will be securely destroyed. If you would no longer like us to process your data at any time, you have the right to object to processing of your data. To do this, please contact enquiries@searchlightmortgages.co.uk
You have the right to object to the processing of your data. You also have the right to request access to your data at any time. You have the right to rectification and/or erasure of personal data or restriction of processing. If you wish to raise a concern related to how we have handled your personal data, you can contact us to have the matter investigated at enquiries@searchlightmortgages.co.uk. If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the information commissioner’s office: https://ico.org.uk

Testimonials

Some of our lenders

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Complaints Procedure

Established 2015

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Contact

  • Office: Swansea (01792) 367776
  • Mobile: 07725 666127
  • Enquiries@searchlightmortgages.co.uk
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Searchlight Mortgages is a trading style of Lewis James Henry Davies. Registered office: 11 Wychwood Close, Langland, Swansea, SA3 4PH.

Lewis James Henry Davies is an Appointed Representative of Cornerstone Finance Group Ltd, which is authorised and regulated by the Financial Conduct Authority.

Typically, we charge a fee of £395 for arranging your mortgage, the exact amount will depend on your circumstances but will not exceed £995

Cornerstone Finance Group Ltd is registered in England & Wales. No. 08458702. Registered Office: Unit E Copse Walk, Pontprennau, Cardiff, Wales, CF23 8RB.
Lewis James Henry Davies (No. 707429) and Cornerstone Finance Group Ltd (No. 767202) are entered on the Financial Services Register at https://register.fca.org.uk/
The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
The Financial Conduct Authority does not regulate some aspects of buy to let mortgages. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
© 2024 All Rights Reserved. Searchlight Mortgages

Mortgage

There are so many lenders operating in the UK that it can be a minefield to find your way around them all and what they have to offer, this has been further complicated by recent regulation which has meant that lenders need to be more provident in their approach to lending criteria. This does not mean that difficult mortgage applications are impossible to place but serves as a reminder that experienced and impartial advice is more important than ever before.
For you, the consumer, this means that there are a bewildering number of mortgage products available from lenders who have differing criteria to apply to applicants such as yourself.
At Searchlight Mortgages we will always fully assess your personal circumstances and, following thorough research, recommend the most suitable mortgage and protection products to you. We will always talk through the recommended mortgage in detail and do all the work for you by submitting the application and chasing through to completion.
As an unbiased mortgage broker we have access to the whole of the UK mortgage market and have the technology to search for your perfect mortgage and related insurance products.

Re-Mortgage

Your current mortgage deal may have come to an end or you need to raise some capital, maybe even both.
We often hear about the dilemma of whether to move or improve and a capital raising remortgage can be a suitable way to finance your home improvements should you decide to stay where you are and improve your existing property.
Remortgaging can potentially save you money by applying a lower interest rate to your mortgage, this can be done by staying with your current lender or moving to a new one. It is also an excellent opportunity to review your mortgage term and/or your repayment method. Either way it will be worth talking to us where we will, again, thoroughly review your circumstances and current mortgage and insurance products to ensure that you are given the very best advice.

Complaints Procedure

If you wish to register a complaint, please contact us in writing or by telephone to the following:
Address:
The Complaints Officer
Cornerstone Finance
Unit E, Copse Walk
Cardiff Gate Business Park
Cardiff
CF23 8RB
Tel no: 02921 660 550
If we cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service who can be contacted at:
Address:
The Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Tel no: 0800 0234 567