# Five Financial Mortgages

Five Financial Mortgages is an independent mortgage advisory firm based in Poole, serving clients across Dorset, Hampshire, Southampton, Bournemouth and London. They specialise in helping first-time buyers, homemovers and property investors secure the right mortgage deal tailored to their circumstances.

What sets Five Financial apart is their whole-of-market approach combined with exclusive access. As Platinum Mortgage Club members, they offer rates unavailable through standard channels, alongside cashback deals and free property valuations. Rather than relying on generic online calculators, they deploy specialist software to determine the maximum lending figure each lender will offer, ensuring clients aren't underestimated.

Their independent status means unbiased advice without tied arrangements. They work with borrowers across various credit situations, using enhanced criteria tools to assess suitability before applying, reducing rejection risk. Their qualified advisers are available seven days a week, offering flexible appointments via face-to-face, telephone or Zoom consultations at times that suit clients.

Five Financial handles the entire mortgage journey, leveraging strong lender relationships to streamline processing. A standout feature is their soft credit search for Decisions in Principle, which doesn't impact credit ratings. They're transparent about fees too—charging nothing for standard mortgages, with fees only on complex cases, adverse credit applications or specialist products like equity release.

This combination of whole-market access, exclusive rates, personalised service and expert guidance distinguishes them in a crowded market.