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Sales, Lettings & Management

Land Estates Newsletter July 2024

Visual of Town Houses

July has marked the start of a new parliamentary year, with Labour now being the new party elected following the election on 4th July. The King’s Speech was held on the 17 July and details of the new energy price caps were introduced together with details of the renter’s reform bill, here is everything you […]

Land Estates Newsletter June 2024

Land Estates Monthly Newsletter

June is now here, bringing with it longer days and warmer temperatures. However, it’s also a month that’s packed with significant events that could impact your finances and investments. The general election, the end of Multiple Dwellings Relief, and potential changes in interest rates are all on the horizon. As we navigate this busy period, […]

Land Estates Newsletter – April

Property Analysis Dartford

April marked the start of a new tax year, with upcoming changes including a reduction in Capital Gains Tax and a raise in Local Housing Allowance. We also may hear more traction on the long-awaited Renters (Reform) Bill The Renters (Reform) Bill, The Renters Reform Bill finally completed its passage through the House of Commons […]

Land Estates Newsletter – March

This month we are excited to bring you the first of our rebooted newsletters! Going forward we are going to provide you with updated information on relevant topics! We will also let you know about any local events, news on surrounding areas as well as local sports scores To download a copy of the March […]

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Steven Hall Mortgage Advisor

Steven Hall

Hi, my name is Steve and I am a Mortgage & Protection adviser covering the south-east of England.

I have personally been involved in the Mortgage and protection industry for over 15 years, with 13 of those as an Adviser.

Here’s just some of the types of scenarios we can help with:
• Residential Purchases and Re-mortgages
• Buy to Let Purchases and Re-mortgages
• Let to Buy Re-mortgages
• Help to buy mortgages
• Right to buy mortgages
• Shared Ownership Mortgages
• Capital raising for home improvements or deposit on investment properties

I am always more than happy to discuss any enquiries you may have. We offer a very personal service and pride ourselves on taking the time to find the perfect solution for your requirements.

So how does it work? We normally start with an initial call that lasts 5-10 minutes to establish if your expectations are realistic and if we are likely to be able to help you. If that goes well we can then look to set up a full mortgage appointment. Normally this is via a video meeting. Our aim then is to give you an idea of the likely costs, how much you can borrow and ultimately working towards providing you with something called a ‘decision in principle’. A decision in principle is a certificate from a prospective lender that confirms that your credit history is acceptable and how much you can borrow. This will give you the confidence that you are in a position to make an offer on a property and ensure that you are taken seriously by an estate agent and the vendor. Note that many estate agents will not even allow a viewing until you have a decision in principle. Lastly, once you find a property and your offer is accepted, we then guide you through the whole mortgage application process with the aim of making it as simple as possible for you.


We typically charge a fee of £399 payable at the point of application for a purchase or on completion for a re-mortgage, however this will be dependent on your personal circumstances.


Expert Financial Services Ltd is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No.9617865 3 Greystones Road, Bearsted, Maidstone, Kent, ME15 8PD. Head Office: 25 Nightingale Avenue, Whitstable, Kent, CT5 4TR