The Penny Group’s mortgage team invests the time to understand each customer’s ambitions and researches the whole market through relationships with many UK lenders via The Openwork Partnership. They offer a full mortgage service for residential purchases, remortgages, buy-to-let, commercial property, bridging loans and second charge loans. Clients benefit from a qualified team who arrange appointments, liaise with lenders, conveyancers and estate agents and recommend protection solutions. Their process includes understanding goals, making tailored recommendations, submitting the application, arranging suitable protection and guiding clients through to completion. Their fee-free service is funded by the lender, so customers pay no more than going direct, and they are authorised and regulated by the Financial Conduct Authority.