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Mortgages Explained

I just wanted to write to you and thank you for your professional and efficient mortgage services which enabled me to purchase the above property. I was very impressed by the amount of work you put into making this an easy transaction for me, without this help, I would have found it extremely stressful and frustrating. You took all the hassle out of this process and for that, I thank you.

Sarah Holly - Client in 2010

We had been trying to move for many months in an unstable housing market. The thought of trying to get a mortgage and the right mortgage was daunting. After speaking to a number of financial advisors we started to think it would not be possible. Then a work colleague gave me Lee’s contact details and from then on it felt like nothing was too much trouble for Lee. Even after completion the customer service from Lee has been excellent. I have since used Lee to renew my life insurance and have passed his details on to all our friends.

Martin & Chrissy Whittle - Client in 2010

I was recommended to use Lee by a friend & I would happily pass on that recommendation to others. He has been professional, efficient in arranging mortgages for us on our property in London & Ringwood. If we move again , he would be our fist point of contact.

Andrew & Jenny Newland - Client in 2010

Lee has been our financial adviser since 2007. He has consistently offered sound and appropriate financial advice. He always considers our circumstances and listens to our needs. We wouldn’t think twice about referring friends, family and anyone we meet to Lee because we know they will be in safe hands.

John & Sally Beedles - Clients since 2007

Lee arranged the mortgage of our first home, his services were personal and professional without fault. He understood our needs and financial capabilities, putting together an attractive and more importantly affordable deal that allowed us to purchase our home. His explanation of the mortgage market and various deals was easy to understand, there was no jargon or nonsense. Lee has since advised a many matters sometimes at the expense of sale which shows he is more concerned about the long term relationship with his clients rather than a short term profit.

Adam Laws - Client since 2006

Lee helped me find the right mortgage for me for my first house. He was patient, reliable, knowledgeable and completely professional. Since then, I have remortgaged and once again Lee proved himself. I have no hesitation in recommending him.

Helen Ferrand - Clients since 2006

Lee Fisher has been extremely helpful and uses his wealth of experience to guide us to make the best financial decisions for our family. We had some problems with getting all the information together for our life insurance policy, through the whole process Lee was helpful and very patient chasing us and the company until it was all sorted. We’ve been impressed that Lee doesn’t forget his clients, when there is a change in the markets he remembers us and makes contact to see if there is anything we need, which when you are as disorganised as we are is exactly what you need!

Dr Jeremy & Caroline Newman - Clients since 2005

Thank you for support, advice and guidance in securing the final agreed mortgage that my wife and I have now signed. The process went to three appeals and it was only your professionalism and your persistence that won the day! I would have given up if it were not for you. I have recommended you to friends and family and will continue to do so. I will also only use your services in the future.

Darryl & Eve Squires - Clients since 2005

Lee has been our mortgage advisor for 5 years now, and helped us find the best mortgage deal for our 1st home. He’s always understood our financial situation well, and found the mortgage to best suit our circumstances. We have no hesitation in recommending him to others.

Adrian Durow & Sally Knight - Clients since 2005

I’ve worked with Lee for nearly 10 years sorting my mortgage requirements out. He’s quick, efficient, reliable and he understands my situations & goals perfectly to ensure I get the best products for my needs. I do, and have, recommended him to everyone I know!

Pete Holliday - Client since 2000

Lee has arranged several mortgages and re-mortgages for myself and my wife over the years, both residential and buy-to-let. On each and every occasion Lee has used his wealth of experience to ensure the whole process runs as smoothly as possible, and that we end up with a product that meets our requirements. I would have no hesitation in recommending Lee as a mortgage advisor.

Greg & Camilla Ames - Client since 2006

Sometime ago I was recommended the services of Lee Fisher Associates by my financial adviser, to help me review and adjust my mortgage arrangements. As a Management Consultant working throughout the UK and overseas, what I needed was a responsive service, that would enable me to make decisions while I am working away from home, and based upon the best possible advice. An important part of that relationship for me is trust. Trust that the person I am dealing with has the necessary competencies, can deliver what he says he can deliver, and gives me confidence knowing that the support is there when I need it. I have found Lee, and his consultancy, both dependable and reliable, and will continue to place my business with him. Therefore I have no hesitation to recommend him to my wider family and colleagues, should they want help in navigating the often complex area of Mortgages and Insurances.

Terry Monk - Client since 2010

We asked Lee to look after our finances in 2007 and I have to say that he made the whole process absolutely effortless. Mortgages and insurance policies were arranged in record time and it was a pleasure to have Lee looking after us. We have dealt with various financial institutions previously and always hated the whole time consuming process of renewing policies. Lee took all the hard work and effort away from us and presented us with everything we needed, without the stresses and strains of doing it yourself. Lee is professional and extremely efficient in everything he does. He understands exactly what we need and is always there to answer any questions and deal with any issues that arise. We will definitely be sticking with Lee for all of financial arrangements, and would have no doubts about recommended Lee to anyone in need of a fantastic financial advisor.

Scott Mountifield & Helen Self - Client since 2007

We are both very grateful to Lee for his very professional manner in finding us a mortgage. Because of our particular self employment circumstances this proved to be very time consuming for him though he batted on and was successful in the end. Anyone who is thinking of approaching Lee and maybe a little unsure as to whether they may be eligible for a mortgage should have no fear because he will give his all to try and help you.

Mr & Mrs Blythe - Client since 2012

We were very satisfied with the professional service we received when changing our mortgage. As busy working parents we particularly appreciated the convenient service that was offered: meetings were held in the evenings and in our home, much of the correspondence was done by email and the bulk of the paperwork and form filling was taken care of. We have recommended the service to others and will definately be contacting Lee/Lee Fisher Associates when we next remortgage.

Jennifer Taylor - Client since 2010

As a first time buyer the whole mortgage process seemed a bit daunting but Lee made everything much simpler for us to understand. He provides a friendly and professional service, whilst also removing all of the stress and hassle from finding the right mortgage. I will be in contact with Lee again when it is time for us to re-mortgage, and I will continue to recommend him to my friends.

Daniel Stone & Lauren Nicol - Client since 2012

I've used Lee to organise both residential and buy to let mortgages on a number of occasions. Every time, I've found his service to be excellent, with constant communication and updates, creating a stress free process. I have no hesitation in recommending him to others and have done so several times. These people have also been very satisfied.

Andrew Hill - Client since 2005

Lee provides an efficient professional service that I would gladly recommend to family and friends. An in-depth knowledge on a range of financial products provided a significant choice of mortgage and insurance solutions

James Lucas - Client since 2007

We would like to express our sincere gratitude to you for the huge amount of effort you put into finding us a mortgage when the market and my regular financial advisers were unable or unwilling to help. Your professionalism and in-depth knowledge of what we needed plus your willingness to ‘ go the extra mile ’ were instrumental in getting us a successful result when it seemed no-one else could. Should we ever need another mortgage we will be back and we would have no hesitation in recommending your services to anyone else.

Sheila Corner - Client since 2011

I used Lee’s expertise when purchasing my own home, following my divorce 2 years ago. I already had enough to deal with…including 2 young children….so leaving the mortgage in Lee’s capable hands took a great weight off my shoulders. He sourced the mortgage most appropriate to my needs…found me the best rate…and dealt with all the paperwork. I would recommend Lee to any of my friends and family.

Catherine Sidney - Client since 2010

I would thoroughly recommend the services of Lee Fisher. I found him to be extremely knowledgeable and was able to offer sound practical advice and guidance. Lee offers a professional, personal service and offers truly independent financial advice, he ensured my needs were matched to appropriate products that met my requirements. Overall a pleasure to deal with and someone whose services I will most certainly use again.

Simon & Tanya Bishop - Client since 2011

As first time buyers we were dreading the experience of applying for a mortgage and feeling thoroughly confused about the whole process. Lee Fisher Associates was recommended to us and Lee immediately took the stress away! Lee's advice was realistic and to the point and all our queries were met with quick responses. The entire mortgage process from applying to being approved took less than three weeks which in the current climate seems no mean feat! We have recommended Lee Fisher Associates to friends who are also hoping to get on the property ladder and we will definitely be in contact again for our next mortgage!

Jonathan & Rebecca Large - Client since 2012

I was recommended to use Lee by a close friend, I was impressed by his hard work and commitment for which at times was a stressful process to arrange our mortgage so we could by our property. If all people were this professional and helpful the moving process would be a lot easier. My wife and boy’s are very happy in our new house; I would use Lee again and have recommended him to friends and colleagues.

Barry & Katie Wareham - Client since 2011

Lee's vast subject knowledge and professionalism is the reason why I will continue to use his services. He takes into consideration the personal needs of the client and matches them with the deals available. His explanation of the products is easy to understand. I have recently taken out a re-mortgage with him on my current property and I am now considering other products advised by Lee that will provide financial security long term. He is a pleasure to work with.

Nicole M - Client since 2010

We were passed on Lee's details via a friend, having always had a nightmare with previous mortgages we again were sceptical but I am pleased to say that Lee restored my faith in mortgages. He was a true professional and very easy to deal with. With Lee you can be assured of a high class service from the start right through to the end. He endeavours to make it as stress free as possible. We managed to save money on our mortgage and life insurances and will without a shadow of a doubt be using Lee in the future and have already recommended his services to our friends and family.

Mr & Mrs Tucker - Client since 2011

From day 1, it has been a real pleasure to deal with Lee whom we have now known for 3 years. Very friendly and professional, Lee helped used gaining access to our 1st mortgage in the UK as well as arranging our life cover. Lee was able to guide us and worked out the best possible deals. We are regularly keeping in touch and are already working on the next project together.

Alain & Virginie Jestin - Client since 2009

Lee was highly recommended to me by a friend when first getting on the property ladder. Since being introduced, he has not disappointed, giving a first class service in finding the best mortgage for my circumstances, as well as helping me to remortgage my property, all with minimal hassle.

Nick S - Client since 2011

Lee Fisher is an excellent mortgage broker and he has been a great help to my business. He will always go 'the extra mile' if required and I will continue to recommend him.

Cheryl B - Client since 2005

We have dealt with Lee since 2006 and always been very pleased with the service received. In 2011 we were looking to buy our first family home, which turned out not to be a straight forward evolution due to it being a highly sought after repossession. During this period Lee provided invaluable advice and ultimately we only managed to secure our property due to Lee obtaining a difficult mortgage offer within a very tight time frame. I cannot recommend Lee highly enough and indeed my brother-in-law now gets his mortgages through Lee.

James B - Client since 2006

We were signposted to Lee whilst looking for our first mortgage in 2005, principally as he came highly recommended with a solid track record for delivering a first class personal and professional service. Lee did just that, ensuring that our mortgage was not only perfectly bespoke to our disparate needs, but ensured that we fully understood the product in question and gave us the confidence that we had we made the right chose. We have maintained our professional relationship with Lee and have since remortgaged using his services, where Lee once more has exceeded our expectations. I would have no hesitation in recommending him.

Stuart & Tina Brown - Client since 2005

Lee became our Mortgage Advisor in 2009 when our previous advisor left. We were looking to upgrade to a larger house and larger mortgage and Lee made it so easy for us. We didn't have a smooth move due to finding a buyer immediately but not finding a property ourselves, but even during the whole time (8 months in total!!) Lee never stopped calling me, our estate agents and solicitors trying to help and speed things up. Once we found a property Lee did more chasing than I did, and if I came up against a problem with estate agents Lee was on the case!! I would not hesitate to recommend Lee's services to anybody-you can trust him and believe what he tells you and in this day and age it is very re-assuring. Our mortgage is due for renewal next year so I shall be using him again shortly.

Sam & Mark Rowe - Client since 2009

We have a number of buy to Lets and our own home and have found Lee Fisher’s advice has been spot on and has saved us money over the years. We use Lee Fisher for mortgage and insurance related services. Lee is very efficient; professional and friendly and we would have no hesitation to recommending him to friends and colleagues.

Fiaz & Tracey Khan - Client since 2007

Lee Fisher Mortgage Company provided me with a professional, friendly and efficient service. Lee's product knowledge was excellent as was his attention to detail, I would not hesitate to recommend him to both business and personal acquaintances.

Kim Taylor - Client since 2008

Lee immediately put us at ease with his friendly, honest approach. He was happy to answer our many questions and help us think through all of the options to help us make the right decisions for our family. He followed through the process with us from beginning to end, even helping to negotiate with difficult estate agents. Likeable, knowledgeable, dependable...highly recommended!

Katie C & Family - Client since 2011

Lee was recommended to us by our estate agent and we will certainly be recommending him to anyone else who needs a mortgage. Lee has worked extremely hard throughout the whole process of the mortgage application, doing everything in his power to get us a mortgage quickly and at the best possible rate for us. He has been extremely approachable throughout the whole process, answering any questions we have had in plain simple English. His customer service has been exemplary, and has not stopped now that we have the mortgage. Lee has then continued to work on our behalves to find us the very best deals in Life Assurance. I have been extremely pleased with the service that I have received and would not hesitate to recommend Lee to anyone and I will certainly use him in the future.

Jon B - Client since 2012

I was recommended to use Lee by a friend & I am more than happy to recommend him.In the current market place it was of great comfort to find not only a person who gave sound professional advice but someone who also had a personal touch a rarity these days. In essence apart from owning his own bank how could he do it any better?

Ian Coles - Client since 2011

Lee arranged our first buy-to-let mortgage a few years ago and when we bought our second one in 2012 he was the natural choice. Buy-to- let's have completely different criteria than normal house purchase and Lee is well informed of all the ins and outs and various steps involved. He was extremely helpful in finding us a good deal in a tricky market and keeping us informed as it progressed through underwriting.

Fiona & Tony - Client since 2009

Trying to secure a mortgage for my first property was very stressful until i sat down and talked through the situation with Lee! He gave me clear and simple advice and found a very competitve mortgage to make the purchase happen. Throughout the process Lee took care of everything and was only to happy to answer any questions i had. I look forward to meeting up with Lee again after my 2 year fixed rate comes to en end.

Scott Godfrey - Client since 2010

I contacted Lee for advice on Life Assurance on the recommendation of a work colleague who had dealt with him for a few years on a variety of financial matters. I don't like wishy-washy advice, so I was delighted with Lee's no-nonsense approach. Clear and to the point, he turned a daunting decision into something quite pleasant!

Pete & Isobel Hardy - Client since 2010

A quick note to thank you for your assistance over the last couple of years. You have helped my wife and I to secure mortgages which we otherwise would not have been able to secure. Your advice is truly independent, and you can be assured of our repeat business.

Robin Gwinnett - Client since 2005

I have worked with Lee a couple of times now and found him to be very up front about what is possible or not and he has demonstrated a talent for researching the market for just the right deal for me and my circumstances. I wouldn’t hesitate to recommend Lee to my friends, or to anyone looking to work with someone that listens to your needs and comes back to you with realistic options quickly and efficiently.

Richard Evans - Client since 2009

Lee has dealt with 8 mortgages for my wife and I over the last 10 years, we have always found him to be extremely professional and efficient with a caring friendly approach. We have recommended him to a number of our friends, who have found him to be just the same and we would have no reservations to continue to do so. His vast knowledge of the marketplace, coupled with a can do attitude will keep us returning and keep us referring him to anyone we know!

Sean & Hayley Burchell - Client since 2001

Lee made the whole mortgage process so easy and hassel free. As first time buyers he helped us through the process from beginning to end and was always on hand to answer our questions. The service was first class. I will definitely be using Lee Fisher Associates again.

Mark Carroll - Client since 2009

Over many years Lee has been consistently excellent when helping me arrange the daunting task of sorting out my mortgage, life insurance and income protection. His professional, kind and clam manner has allowed me to relax and feel confident that I have made the correct decisions. His advice is clear and he always works hard to achieve the best for you. I would strongly recommend Lee and I feel that with the help he has given me I can rely on his expertise, whenever needed, for many years ahead.

Adrian Snelgrove - Client since 2006

Lee became my mortgage advisor when I was applying for my first mortgage back in 2013, he was extremely helpful, talking me through the various mortgage types there are out there and then finding me a more than suitable mortgage. Earlier this year when looking to re-mortgage my property, I returned to Lee seeking advice. Once again Lee was extremely professional, instructing me what documents to accumulate and send over. Lee and his team made the process very smooth and pain free. They advised me which route would be more beneficial for my current situation from various lenders with various rates. I would highly recommend Lee and I will be calling upon his services in another couple of years.

A Hore – Client since March 2013

We have worked with Lee Fisher Associates Ltd on both a business and personal level this past year and cannot thank Lee enough for all the advice he has given us and hard work he has put in to helping us acquire three mortgages and our Life Insurance policies. Lee takes time to understand our personal needs & situation to offer very professional and understandable advice, and has gone above and beyond what was expected of him to take us through the process of application to completion. Lee and his staff are always friendly and highly efficient and we would have no hesitation in recommending Lee Fisher Associates Ltd to anyone seeking professional advice.

Kevin & Victoria Hardie – Clients since March 2015

Lee has been very supportive and helpful in the application for our first mortgage with the help to buy scheme. He is always available to provide good advice and wants the best for his customers. He explained everything clearly and ensured we understood our mortgage so it was not as confusing for us as first time buyers. He is extremely friendly and approachable, with an excellent team, that ensured we were kept up to date. We were so impressed with the service he provided, we recommended his services to a family member.

S Figes and S Barnes – Clients since April 2015

Lee has arranged a number of buy to let mortgages over the past four years for us and we have been very happy with the service he provided. He has also helped my family with offering advice on home mortgages and provided a wide range of products with appropriate guidance and support. We plan to continue to utilise his services for future mortgage transactions and have no hesitation in recommending him.

S Noone & P Quinn – Clients since July 2012

We first used Lee when moving house in 2013 when he was recommended by our estate agents, as we were having great difficulty obtaining the mortgage required by approaching high street lenders ourselves. Lee was brilliant and managed to obtain a mortgage tailored to what we were looking for. We also used Lee's services again a few months ago when our mortgage came out of its fixed term and he was able to obtain a mortgage for us on a greater sum, over a shorter term, and the monthly payments were less than we were currently paying. We will always be using Lee for our future needs and wouldn't hesitate to recommend him to friends and family

J Linden – Client since May 2013

Lee has recently completed our mortgage and life assurance policies for a particularly complicated purchase. I've used Lee's services for years and he's always given a fantastic service but without his help on our recent purchase we wouldn't have been able to buy our new home. We found Lee's advice easy to follow, offering a range of options and he was always quick to reply to emails or take calls to help us. I completely recommend Lee and have given his number to any of my friends looking for their mortgages or financial advice.

S Croucher & O Ferrazzano – Clients since November 2009

Lee's services were professional and up to high standard. He understood our circumstances very well and found us an attractive mortgage. His explanation of the mortgage market and various deals was clear and he took time to answer out queries. We greatly appreciate his advice and highly recommend his professional services.

S H Khajehpour & M S Esfahani – Clients since February 2015

Lee was recommended to us by a friend and work colleague and I'm so glad he was. We had been looking at getting a mortgage for a number of years but came against many obstacles. Lee walked us through all the hurdles with ease and got us the best deal possible to fit our circumstance. Lee also assisted us with finding appropriate insurances for our family in the event of ill health and death to make sure our children or remaining spouse are taken care of. We have now finally bought our ideal family home in an area we love. Lee is professional, friendly, approachable and efficient and I wouldn't hesitate to recommend him to friends and family and I've no doubt our paths will cross again in the future.

C Johnston – Client since February 2015

Lee was recommended to me when I was looking for a “buy to let” mortgage, and from my first telephone conversation with him, his personable and professional response to my enquiries gave me the confidence I needed to proceed. At each stage of the process, he gave clear advice and explanations and was very patient when dealing with many questions and uncertainties that I had along the way. He is thorough and efficient; well-supported by his administrative staff; and I shall certainly contact him for mortgage advice in the future. I can recommend him unreservedly.

M Frey – Client since April 2015

Lee was recommended to us by a friend after originally going direct to the lenders. We explained our situation and the problems the lenders had caused us, from the very beginning Lee assured us that he could get it sorted. This was certainly the case and we cannot thank him and his team enough. He took all the stress away and we highly recommend his services

T Bristow – Client since June 2015

My wife and I had been finding it very difficult to remortgage due to amongst other things age, wrong paperwork and financial state. We were rejected by many banks, I was sceptical that I would ever be able to remortgage and have to sell we were very stressed at the time trying to deal with all this. Then we met Lee he sorted the paperwork delt with the finances did all that was necessary. He not only found us an affordable mortgage he sorted the insurance as well, his knowledge of his industry is second to none. The mortgage he secured for us is with a bank that had previously turn us down. If you need a mortgage or financial advice contact Lee you will not be disappointed.

C & D Farman – May 2015

We were originally recommended Lee Fishers services by our estate agent when we were having difficulty gaining a mortgage to purchase our house 3 years ago. The purchase went through smoothly after we spoke to Lee and we couldn't have been happier with the service he provided. We always found Lee to be extremely knowledgeable and informative, yet able to explain things in a no-nonsense vocabulary. Lee contacted us recently suggesting that he could save us some money if we were to re-mortgage to a better rate and after a short chat we had decided to consolidate some debts that had accumulated since buying our home. Unfortunately, due to a complicated Solar Lease agreement it soon became clear that things were not going to be as straight forward as we would have hoped! However, Lee dealt persistently to rectify the issues and went well over and above what was expected of him. We really appreciate the extra time and effort Lee put in, managing the stressful situation for us right up to the end, to ensure the re-mortgage came through. I always recommend Lee to family and friends and will continue to do so. Thank you for your efforts.

L Jennison – Clients since August 2011

I am on my third mortgage arranged through Lee Fisher Associates. On my second there were problems which arose through poor communication between my solicitors and the mortgage company. This became critical very late in the day when I had not even exchanged contracts on the day of my move. Lee stepped in and used his influence to allow exchange and completion to happen on that day. So much to my relief I had somewhere to move my belongings into and sleep thanks to Lee Fisher Associates.

Athan Polihronos – Client since 2013

Lee and Yvonne both showed unparalleled level of professionalism and customer service while sourcing and completing my mortgage. In a world where customer service is becoming non existent or based on the end of a phone half way around the world it was a welcome change. My options were clearly explained and perfectly suited to my requirements. Thank you both.

Mr A H – Client since 2015

We thought Lee was outstanding. We were first time buyers and were fortunate enough to have had Lee recommended to us. We toyed with buying a house before, so had some experience with other advisors. We found Lee very sincere, efficient and professional. Lee was happy to offer as much or as little advice as we wanted, but being first time buyers, we welcomed all of Lee's advice and guidance. We had some unique house buying options available through work and Lee looked into and explored the options available to us before coming up with a sound recommendation. The property we bought was a little unconventional and Lee, rather than just sell us a mortgage, wanted to make sure we were totally happy before proceeding. He is genuine and honest and we look forward to dealing with him again in the future.

K Underwood – Client since 2015

Lee and his team found us a deal we could not get either online or direct with the mortgage companies and then stuck with us for the eight months it took our purchase to complete, with regular contact and excellent support. We are very impressed with the service provided and intend using it again.

M and R Burton – Clients since 2015

Lee made what can be a very stressful experience extremely easy, explaining everything in plain English taking away all the hassles. We cannot recommend Lee and his team highly enough and will be a repeat customer for many years to come.

Mr & Mrs Cullen – Clients since 2015

We couldn't have chosen a more understanding and knowledgeable company to help us during what is usually a stressful time. Very calm and levelled with the advice and guidance, made a huge difference to us both. The speed of service was suitably quick, and appreciated, and attention to detail spot on. It was brilliant being able to relax knowing that Lee and his Team were working hard behind the scenes to ensure our new start was successful. Highly recommend and will certainly use them for other services. A sincere and huge thank you from very happy customers.

Mr & Mrs Brennan - Clients since 2016

Lee was a great person to work with, he was thoughtful, informative and very knowledgeable. The service I received across the whole team was of the highest quality and any of my requests were actioned with great speed. I would HIGHLY recommend the services of this organisation to friends & family. Thanks for everything.

Paul R – Client since 2016

Lee and his team did a great job in taking the stress out of getting a mortgage in place for us. We were really pleased with their communication during the whole process and even the smallest detail was dealt with in an efficient and competent manner. We really appreciated that documents were sent to us when promised and the team kept us informed on the progress of our application every step of the way. We will definitely recommend Lee’s services to our friends and family and use him again in future.

A & G Rhodes Hench – Clients since 2016

The dedication and professionalism shown by Lee Fisher Associates has been fantastic. As first time buyers, Lee and his team helped us throughout the buying process and consistently offered advice and support whenever we needed. We would highly recommend them for financial advice.

A & P Shiner – Clients since 2016

I was having trouble finding a buy to let mortgage to suit my particular circumstances and my son suggested I contact Lee to help. Within 24 hrs of my contracting him, he came back with a couple of options and with his advice we progressed one through to house purchase. Throughout the transaction I found Lee and his staff thorough and professional and always willing to help. I have and shall continue to recommend Lee Fisher to friends and acquaintances in the future.

N Summers – Client since 2015

As first time buyers and still learning about the process, Lee and his team supplied us with excellent knowledge and were extremely helpful from start to finish. Lee found the mortgage that was perfect for us and also went out of his way to sort insurance as well as chasing solicitors to speed up the process. We have already recommended his services to friends and family and look forward to continue to use him in the future.

Calum Shirley & Olympia Wootton – Clients since 2015

I have been using Lee and his team to arrange my mortgages and insurances since I got my first mortgage, and they have arranged 3 mortgages for me now. They came highly recommended by a number of family members. I have always found them to be really efficient and willing to go the extra mile to make sure that I get the product that best suits my needs. When I moved house recently they went over and above their remit to move things along when proceedings started to stall. I will defiantly be using them again in the future, and would have no hesitation in recommending them to others.

A Attwood – Client since 2011

We appointed Lee Fisher Associates to advise and recommend the best course of action and find the most appropriate and economical mortgage for our needs. They are very well informed and offered several alternatives and was down to earth with their approach. Lee fisher associates made the whole process very simple and this assisted us no end with our decision making process. We are very pleased with their services and would have no hesitation in recommending the company to anyone looking for sound and impartial mortgage advise.

J & S Charles – Clients since 2011

Lee and the team were nothing short of superb. Everything was dealt with quickly and efficiently as well as always going the extra mile when needed. Customer for life!

L Preston – Clients since 2013

Lee Fisher was recommended to me and I would have no hesitation in recommending them. Lee and his team were very efficient from the outset and swiftly arranged a mortgage for the purchase of my house, despite my circumstances being a little more complicated than most applicants due to me being self-employed. Most of the leg work was conducted via email negating the need for me to leave my desk which saved a considerable amount of time and accelerated the process. I received regular updates from either Lee or one of his helpful colleagues and never had to chase them for anything. I was left with the feeling that they were always one step ahead of the transaction, and very professional in their approach from start to finish.

Andrew T – Client since 2016

We have just used Lee Fisher Associates Ltd to source our current mortgage plan and life insurance. We was very impressed with their professional manner and the way they made you feel valued and reassured during the whole process. I found them to be both approachable, friendly and easy to communicate with; emails and telephone calls were responded with prompt efficiency. The admin team were always friendly and very helpful and made you feel like nothing was too much trouble; this made the whole process less stressful. We highly recommend this company to anyone seeking mortgage or insurance advice; we would certainly use them again ourselves.

Kelly Shulver & Lee Gordon – Clients since 2016

We have known Lee for several years and he and his team have given advice and arranged several remortgages for us over this period. There are so many mortgage options out there and we wanted some independent professional advice to help us with the best available options on the market which suited our needs. Throughout the whole process, we were always kept informed of the latest developments and were always offered advice where necessary. Thanks again for the smooth transaction - we have no hesitation in recommending him to friends and colleagues.

Jon & Karen Harris – Clients since 2014

When we found our ideal house, we were sceptical as to whether we'd find a mortgage in our circumstances. We needed someone who understood our situation, and would liaise with the lender's underwriters - not just blindly submit an application. Lee Fisher was local, highly recommended and inspired confidence from the very first call. He took care to understand our (rather complicated) position and *still* managed to agree a mortgage with a mainstream lender. This was invaluable as it enabled us to offer on the house knowing we had access to completion funds and also a very affordable rate. This was probably one of Lee's more challenging cases, and he came through with flying colours - plus the fee charged was modest and excellent value for money. Many thanks indeed Lee and all the team @ LFM.

Mr & Mrs S – Clients since 2016

We were recommended by family to use Lee and would happily recommend his services to others. Lee and his team have been fantastic with helping us get a mortgage for our first home and are very pleased with their services. He understood what it was we wanted and was very friendly, helpful and professional throughout the process and made things easier for first time buyers like ourselves. We would not hesitate to use his services again.

Darren Shulver & Amber MacDonald – Clients since 2016

Lee and his team have arranged every single one of my mortgages for the last decade and it goes without saying that we couldn't have done it without them. Both Lee and Kimberly go out of their way to make sure that every detail is covered and that the best deals are found. I can wholeheartedly recommend them.

Mr H Reddie & Mrs K Carter-Reddie – Clients since 2007

Lee Fisher Associates were a reliable and patient source of advice during arranging my first mortgage in atypical circumstances, as well as responding to those circumstances changing. A very professional service throughout and a mortgage I'm very happy with at the end. Many thanks to the team. Best wishes and thanks to all at Lee Fisher for their hard work.

Mr W – Client since 2016

Lee has been fantastic throughout the purchase of our home and has provided us mortgage and life insurance advice which has proven to be competitive and thorough. Lee is supported by a fantastic team and everyone has always been friendly, professional and timely. I would like to take the opportunity to thank Lee and his team for all of their help.

C Whatford & K Allen – Clients since 2016

We would definitely recommend Lee to anyone looking for a mortgage advisor and would use him again. Lee Fisher Associates are extremely professional and take care of everything from start to finish. Lee found us a very good product at a very competitive rate. We were really pleased with the service and grateful for the stress free process.

Dave & Amy Scott – Clients since 2013

We had been advised on our mortgage by Lee Fisher previously and did not hesitate to return when we needed the service again. We were guided carefully by him and his skilled team through the mortgage process. They are always happy to answer any questions and the advice given is always clear, simple and timely. A superb professional service. Thanks again for your help during this.

Ben Trill and Andy Moon – Clients since 2015

We were recommended to come to Lee Fisher for advise with purchasing insurance products. The service we received from Lee Fisher was exceptional. He listened carefully to everything we had to say and guided us in the direction of products that were affordable and relevant to our needs. Lee and his staff have been very friendly and thorough throughout the process and we would highly recommend his company.

Mr Vennell – Client since 2016

We chose to speak with Lee with regards to our mortgage application after he was recommended to us by a close family member. As first time buyers we felt quite out of our depth and Lee was very supportive and patient with us. We were very happy with the efficient service provided from start to finish. Lee and the team really went above and beyond for us and made us feel at ease throughout the end-to-end process. We will definitely be recommending to other friends and family.

Gavin Shirley & Megan Waldron – Clients since 2016

Lee, we would like to thank you for being such a supportive and professional advisor working with us on our mortgage requirements. You not only perform the necessary day to day administrative tasks with a pragmatic approach, but more importantly for us, provide a sounding board for the various scenarios that may arise, and then provide sound advice based on your wealth of experience; and it is here that we feel the value of your involvement. We also know that, in terms of efficiency, we can rely on you to provide the high level of service that you have always promised, as that is what we have always experienced, all with a personal touch which makes dealing with you a pleasure. In fact, it’s usually us holding you up, and although this must be frustrating for your team, they are never anything but professional, empathetic and lovely to deal with. We have never had a reason to look elsewhere, so keep up the good work!

Ruth and Dan Sollom – Clients since 2015

On our recent house purchase we needed the services of a financial advisor. Our estate agent put us in touch with Lee Fisher. He provided us with excellent advice, guidance & support throughout the mortgage application. Lee was always on hand to answer any queries that we had, and was always quick to respond. Lee Fisher provided us with a professional and friendly service throughout our mortgage application. We would not hesitate to recommend Lee Fisher and would certainly use his services in the future. Many thanks for your help and guidance during this process.

Phil and Hazel Curtis – Clients since 2017

Great service from a very professional team. They were very helpful when our house sale fell through, not once but twice, and continued to chase up solicitors and estate agents as we progressed. We would definitely recommend to anyone.

Miss Jarvis & Mr Lavene – Clients since 2017

Thank you to Lee, Kimberley and Yvonne for a seamless and efficient service in organising my mortgage for my recent purchase. Nothing was too much trouble and I always received a prompt response. I would highly recommend Lee Fisher and his team.

Miss S Gravener – Client since 2014

Great customer service. Always on the end of the phone if I had a question. Everything well explained. Even in my complicated situation the whole process ran very smoothly. Highly recommended. Thank you Lee and Yvonne.

Mr & Mrs Bryk – Clients since 2017

Lee found us a great mortgage product that will save us a few bob over the next five years. The staff are very friendly and efficient. Thanks!

Mr Titley – Client since 2015

We can't thank Lee and his team enough for making it possible for us to get our mortgage and move house. Even though our circumstances were challenging Lee worked tirelessly throughout the whole process to make it happen. For us, the most important part of the process was that he was always available to speak to and kept us informed at every step of the way. We always felt he was acting in our best interests. We would highly recommend his services to anyone looking to buy a house or remortgage.

Mr & Mrs Bannister

Lee and his team have been nothing but supportive, efficient and professional along our very long journey of buying a property. It has taken us almost a year to complete, in which 3 changes to the mortgage were required. Lee and his team made the process as easy and stress free as possible and never made us feel under pressure or a hindrance. Couldn’t speak high enough of them. You will be in safe and knowledgeable hands.

G Cherrett & J Limpenny – Clients since June 2017

Lee and Kimberly did a superb job with our remortgage. We had employment and self-employment income but Lee was able to secure a great deal and the process was very well managed. We will certainly be using Lee again.

A Braithwaite – Client since January 2018

I have used Lee Fisher and his team for a number of years now, along with other members of my family. I have always found the team to be helpful and efficient and always offering sound financial advice. Helping me to choose the right product every time. I will continue to use and recommend them.

R Taheri – Client since September 2011

This is the third time we have had our mortgage handled by Lee and his team, and we will continue to do so with all future transactions. Lee makes things extremely easy to understand, ensures that we fully understand everything before committing to a new mortgage. Many thanks to Lee and the team for continuing to provide great service at a great price.

P & S Cullen – Clients since September 2015

Having trawled through the web and walking the length of the High st visiting and making appointments here and there and everywhere, it was time to re think. There must be someone who can do this for me, far better experienced and deal with my unique situation. Welcome Mr Fisher and his team. It was a friends suggestion that I get him involved, and I that was the best move I could have made. From start to finish, I was never left wondering what was happening, the process was so smooth and efficient, it blew me away. If you haven't used them before, you definitely won’t be disappointed.

A Sharples – Client since January 2018

We want to thank Lee for the help he provided in getting our first home! Our situation was delicate and our chances of getting a mortgage were close to none, but Lee made it happen, so thank you very much for all the professional yet friendly approach! Would recommend to everyone!

A & L Gramon – Clients since March 2018

We have used Lee’s services for arranging all our mortgage needs. As this area can often come with a host of ever changing terminology and moving goal posts, having clear and concise communication is highly important. Lee and his team make the process smooth, simple and efficient with regular updates from the team at each stage. Good service is hard to find and we have no hesitation in recommending Lee’s services to our family and friends.

G & S Thick – Clients since January 2013

Lee and his team provided a very professional service and at a very competitive rate. Lee and his team were always on hand and very helpful to answer any query I had and they explained things in such a way that made the whole process so much easier. I would definitely be using their services again in the future and have not hesitated to recommend him already to friends and family. You just can't go wrong with Lee Fisher!

S Kapoor – Client since July 2018

We have used Lee for mortgage services in the past and did not hesitate in using him again recently. He offered professional and reliable advice on our mortgage and insurance requirements. We received helpful advice and support from Lee and the team throughout the process to ensure our house purchase was completed with minimal hassle. We have already recommend him to friends and family on numerous occasions.

B Summers – Client since July 2015

Lee Fisher was recommended to me years ago and I have been using his excellent mortgage service for years. So far Lee has remortgaged 3 times for me, saving me a lot of money each time, always finding the best rates and helping release equity where required. His team including Kimberly and Yvonne help with every step, simplifying a quite involved process. Thank you to Lee Fisher Associates for once again making this a less stressful mortgage process.

CM Welsh – Client since April 2014

There are many different ways that mortgages can be repaid. Different methods suit different people, depending on their attitudes to their work, finances, personal circumstances and individual requirements – as a professional mortgage broker, Lee Fisher Associates offers advice on the different repayment options, and we will work with you to decide which is best for you.

Capital Repayment Mortgages

Also known as Capital and Interest mortgages, Capital Repayment mortgages are repaid through a monthly payment that combines part repayment of the capital sum you borrow with a payment towards the interest being charged on it.

In the early years of a Capital Repayment mortgage, mostly interest will be repaid with some capital paid off. As the term of the mortgage continues, the balance shifts – as the capital you pay gradually reduces the sum you owe, less interest is charged so an increasing proportion of your monthly payment repays the outstanding capital. At the end of the mortgage term, the whole of the capital has been repaid, and your property is yours.

Interest Only Mortgage

An Interest Only mortgage consists of making monthly mortgage payments of two separate parts: the first part paying the interest on a borrowed sum to the lender, and the second part depositing a certain amount into savings, preferably through an investment plan. Boosted either by interest or a good rate of return on your investments, your savings should be designed to increase in value over the term of the mortgage, giving you enough money to repay the mortgage debt at the end of the mortgage term.

The three types of investment plan commonly used for savings are:

  1. Individual Savings Accounts (ISAs).
  2. Personal Pensions.
  3. Endowments.

A reputable Financial Advisor, who is qualified to give advice on pensions and investments, will be able to give advice on the most suitable of these methods for your circumstances. They will calculate how much you need to pay into your selected investment plan to achieve the amount required at the end of the mortgage term. If you do not have a Financial Advisor, we will be happy to recommend one.

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