Perfect Square Financial Limited

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About Us

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About us

PSF Ltd is a trusted and dedicated mortgage and protection AR Firm helping a wide range of people with securing mortgages and protection that is tailored to their specific needs.

At PSF, we specialise in interfacing with a wide range of lenders and insurance providers across the market to secure you the right mortgage; whether being your First home, moving up the property ladder, investing in buy-to -let or remortgaging.

Our team of experienced advisers combines deep market knowledge with a personal, hands on approach to suit a wide range of clients. Whether your income is steady or seasonal, straightforward or complex, our experts team of advisers are here to provide a tailored made solution from the first conversation, to the final signature; ensuring you feel confident and informed throughout the journey.

Let us help you take the next step with confidence.

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Our Values

At Perfect Square Financials, we’re guided by a set of core values that shape every interaction, decision, and solution we provide. These values are more than just ideals—they are the foundation of our commitment to excellence, integrity, and long-term relationships with our clients. Here’s what drives us:

  • Integrity First
  • Client-Centered Service
  • Excellence in Execution
  • Innovation with Purpose

The Mortgage Process: A Step-by-Step Guide​

  • We’ll start by getting to know you, your financial situation, and your goals.
  • We’ll discuss your income, expenses, and credit history to get a clear picture of your affordability.
  • We’ll answer your questions and explain the different mortgage options available to you.
  • We’ll help you gather all the necessary documents, such as proof of income, bank statements, and identification. You can then upload these to our easy to use and secure portal.
  • Based on your initial consultation, we’ll help you secure an Agreement in Principle (AIP) from a lender.
  • This shows how much you can potentially borrow, giving you a realistic budget for your property search.
  • With your AIP in hand, you can confidently start searching for your ideal property.
  • We can help you understand the local market and connect you with reputable estate agents.
  • Once you’ve found your dream home and had an offer accepted, we’ll have another meeting with you to go through all the details about your mortgage, and what the next steps are.
  • We’ll review if we need any further documentation from you.
  • We’ll then put through your application to the lender, highlighting your strengths and addressing any potential concerns.
  • The lender will assess your application and instruct a valuation of the property.
  • We’ll liaise with the lender and valuer to ensure a smooth process.
  • If your application is approved, you’ll receive a formal mortgage offer.
  • We’ll carefully review the offer with you, explaining all the terms and conditions.
  • Once you’re happy with the offer, your solicitor will send you a mortgage deed to sign and return.
  • You’ll exchange contracts with the seller, making the purchase legally binding.
  • Finally, you’ll complete the purchase, receive the keys to your new home, and celebrate!