Current Xcapade Exclusives

>>>>Click here to view entire list of current mortgage exclusives

Welcome to Xcapade Finance Limited

Xcapade Finance Limited is a fully authorised Independent Financial Advisor firm. We have the resources to search the whole of the UK mortgage and insurance market; which includes exclusive deals you will not find on the high street. Our network is constantly liaising with some of the UK's most respected banks and insurance companies to ensure that we provide you with the best value quote available.

We do not partner exclusively with any one lender and, therefore can guarantee you a personalised and dedicated service, sourcing the best mortgage and insurance quote based on your personal circumstances.

Xcapade Finance, have access to the whole of the market. This means you get advice that is independent and unbiased. You also have the option to seek obligation free advice from Xcapade Finance, and then apply directly to the lender. However, you may not get the same level of service due to many of our exclusive mortgage deals not being available directly from the lender.

Using the services of Xcapade Finance empowers you to fill one application and search the whole of the market within minutes. This means you do not need to book endless appointments with your local banks and receive one sided bias advice that will only focus on products available from that particular bank.

Why Choose Us?

If you are refinancing your existing home or looking to finance that new dream home you have worked so hard for make sure you consider what your best financial investment option is. Ask yourself, if it is best to work with a direct lender or a mortgage broker?

Direct lenders will only propose and sell you mortgage plans they; as a brand are permitted to sell you. They will give you biased options which are not independent and focused purely on the company they represent. This is commonly known as single tied biased solutions.

When you go direct to a bank you are dealing with the "Retail" side of their business like for example: Marks and Spencer. The retail side of the business needs to cover the cost of the following major business elements before they can quote you an interest rate, such as;

1. • The building the bank operates from,
2. • The furniture,
3. • Enormous national advertising campaigns to initially attract your business
4. • T.V, newspaper and radio
5. • Office space,
6. • High levels of staff
7. • Dedicated mortgage sourcing systems

All of these factors have a knock on effect on the overall rate of interest you will pay the direct lender, sometimes resulting in higher rates of interest and one size fits many solutions.

Xcapade Finance will propose and recommend mortgage plans that fit your specific needs. We can be seen as a big warehouse with no frills where like for example; Costco you have access to the same items for less. Unlike the retail side, the warehouse (wholesale) side only need to cover the following costs;

1. • Low cost advertising in local area
2. • One building to operate business
3. • Small office space to work from
4. • Small number of staff
5. • Whole of market mortgage sourcing systems

The lower costs incurred by the above factors means you can get a better rate and an independent comparison from the entire mortgage market.

When it comes to financing your home mortgage brokers are the experts, we have access to hundreds of financing outlets and are never limited by the number of financing programs a bank may offer.

Unlike a direct lender a mortgage broker has a principle responsibility to you, and the ability to represent you and your needs to countless financial institutions across the UK.

Xcapade Finance rates are lower since we deal on a whole sale level. As smaller institutions our staff is more responsive to your needs. Financing is about selection, the more choice you have the lower rate you will get.

As your independent and unbiased mortgage consultant we make lenders compete for your loan. We will search the whole of the UK mortgage market starting with the common big lender names to lenders that do not have a shop front and are setup to only deal with mortgage loans, thus incurring a cheaper rate of borrowing interest rate.

We are still working alongside the bank and representing their deals, however they do not pay us an hourly rate and in turn can provide us with lower rates of interest and exclusive mortgage deals that they do not offer over the counter. This is an additional strategy banks use to attract the customers that slipped through their marketing net.

Xcapade Finance is the Mortgage Expert and we will personalise our service commitment to you as you are the most important person to our business. We are here to walk you through the mortgage loan process and handle any complications that may arise during and after your mortgage loan application.

We want to be your Mortgage consultant for life, someone who will be there to help you through all of your important mortgage decisions.

You are the corner stone of Xcapade Finance Limited our success is the direct result of successfully addressing and answering any mortgage financing needs you have.