Response Mortgage Services provides expert independent mortgage advice for first-time buyers, remortgagers, buy-to-let landlords and other borrowers. Their advisers access the whole of the mortgage market, cutting through the fine print and explaining the pros and cons of each product, with the aim of finding the best deal and managing the process from initial advice to completion They research the market daily and offer honest, friendly service, building long-term client relationships and treating clients fairly The firm assists clients with a wide range of needs, including right-to-buy, self-employed, bad credit and later-life lending. The initial mortgage consultation is free; if you decide to proceed, a typical fee of around £495 is payable on application Response Mortgage Services is authorised and regulated by the Financial Conduct Authority and reminds borrowers that their home may be repossessed if they do not keep up mortgage repayments.