There’s a lot to a name, which is one of the reasons why Harmony FS got its name.
Harmony FS was founded to make a difference to people’s lives. It was created to give you harmony and balance in your financial affairs, and to give you the chance to own your own home.
Harmony FS has access to the whole lending market, which means that whatever your background and income, Harmony FS can find you the best mortgage or insurance.
Where other financial firms may have failed, Harmony FS will provide you with exceptional customer care and clear communication to be able to help find the right mortgage. With a base in Nottingham and a key presence throughout the UK, Harmony FS is on hand to help.
To date, Harmony FS has helped many people move into their dream home and make sound investments. They have arranged millions of pounds of mortgage lending in their time and look forward to helping you with your next step on the property ladder.
First-Time Buyers / Homemovers
If you’re in the market for the best mortgage deal for your first home, or are looking to take a step up on the property ladder, we specialise in searching the whole market to make sure you get the best product.
Buy to Let Mortgages
For your first home as a landlord or your tenth home for your portfolio, we’ve helped landlords of all sizes and structures secure their ideal mortgage. If you’re one of the following, we have the expertise to help you:
- First-time landlord
- Limited company
- Landlord with a portfolio of buy to lets
Just because you’re self-employed doesn’t mean you can’t get a great deal on a mortgage. We’ve helped hundreds of self-employed people across the country secure their dream home with minimum fuss. We can arrange mortgages for:
- Sole traders
- Limited company directors
- Self employed people with less than three years’ accounts or who have only been trading for 1 year
Contractors & Professionals Mortgages
Whilst you may be considered employed, short or long contracts can hamper your chances of securing a mortgage. We have the expertise to help anyone get on the property ladder, so we arrange mortgages for:
- Doctors and locums
- Commercial and industrial contractors
- Day rate contractors/IT consultants
Remortgaging & Capital Raising
Your home is a valuable asset and there are times when you may wish to unlock extra money for home improvements or investments. You want the best deal possible, so you need expertise and knowledge on your side.
Whatever financial mistakes you may have made in the past, we look through that to help anyone with adverse credit find access to an appropriate mortgage. If you’ve had any of the following, we may be able to help you:
- Poor credit rating
- Defaults on loans or credit cards
Your life, your health, your family, your income, and your home are some of your most precious assets. While we all like to think that nothing could go wrong, we all know that we don’t live in that world. Things do happen, people do get poorly or injured, and the unexpected is always just that – unexpected. That’s why it’s always best to have the worst case scenarios covered, just in case.
Protection and insurance provides support if you’re critically ill and unable to work or worse, and they cover your home and possessions in the event of fire, flood, or criminal activity. We always make sure every customer is properly protected against what life can throw at them. We also always recommend the best insurance provider to suit your unique situation and offer cover for:
- Life and critical illness
- Income protection
- Accident protection
- Home and contents insurance
- Landlord protection / insurance
“We know you’re busy, so we translate all of the jargon into everyday language. Clear communication is at the heart of everything we do. Whether you need to speak to us early morning or late evening, we work outside the typical 9-5 hours to progress matters, making sure you’re always moving forward.”
High Net Worth Mortgages / Complex Income Streams
If you need to borrow in excess of £500,000, you need to feel confident in your broker, we have the expertise and knowledge to deliver on large mortgages. We can arrange loans of any sum due to our relationships with bespoke lenders and private banks not available to customers directly.
High net worth mortgages are complex and often bring up the most surprising of things. We can cater to all needs and financial requirements to secure the best products for customers who sometimes have complicated situations.
Harmony FS are passionate about clear, concise advice and communication and all of our clients get our dedicated attention and high quality service, whatever their needs.
Note: You may have to pay an early repayment charge to your existing lender if you remortgage. As with all insurance policies, conditions and exclusions will apply.
Terms & Conditions
Harmony Financial Services Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £499 but will be no more than 1.5% of the mortgage amount. Your home may be repossessed if you do not keep up repayments on your mortgage.