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Frequently Asked Questions
What is the difference between an interest only and repayment mortgage?

With an interest only mortgage you only pay the interest charge each month and the original mortgage...

What do you mean by Self Certification?

We offer products for self employed applicants who, for whatever reason cannot provide proof of inco...

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What do our clients say?
Getting a better mortgage deal has saved us nearly £200 per month and we have used this saving to re...

Jayne - Griffon January 2007

Thanks to imas we started a Buy To Let portfolio – we found them very knowledge and professional as ...

Amy - November 2006

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Welcome to Independent Mortgage Advisory Service Limited based in Budleigh Salterton, Devon

Independent Mortgage Advisory Service Limited offers a remote mortgage advice service via email, telephone or post but the majority of the advice is given on a 1:1 basis in Devon, Somerset and Cornwall.

Being independent Independent Mortgage Advisory Service Limited is able to act as your agent and not as an agent or employee of a Bank or Building Society. It is your interests we have at heart and represent and protect. Independence is being able to offer choice but a key aspect is that the advice given is not limited or tied to the lending policy of one mortgage lender – we can think and advise independently – i.e. removed from the constraints of one lender.

Independence also means choice – there are over 16,000 mortgage products on the market and with 20 years’ experience we are able to articulate a clear brief from our clients and then use the whole of the market to offer independent mortgage advice. We offer ALL types of mortgages for ALL types of circumstances. We offer residential mortgages, commercial mortgages as well as mortgages for investment properties – be it Buy To Let in Devon, Cornwall and Somerset or the rest of the UK. We are also very involved in overseas properties and can offer mortgage advice in this respect. With a vast amount of experience, we can help advice on ALL mortgages for ALL circumstances – simple as that – if it’s possible we have the knowledge and means to arrange your mortgage.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE


Residential Mortgages available in Devon
The residential mortgage market in the UK is one of the most competitive and innovative in the world. There are a wide range of banks, building societies and mortgage companies offering products in the market, with a variety of residential mortgages to suit all types of potential house buyer...

Mortgage Devon
Life Insurance

We are the Specialists that can give you advice on how to protect you against future eventualities.
Life Assurance can provide your loved ones with the appropriate Financial Protection against your death...

Life Insurance

Life Insurance



We offer a very personal service and pride ourselves on service standards, appointing a case manager to each mortgage case we apply for on behalf of our clients. This means our mortgage advisors are not hindered by administration and equally our administration is not hindered by the distraction of advisors giving mortgage advice! Quite often the mortgage industry is guilty of not providing the necessary resource in terms of administration to advisors and the whole offering becomes compromised.

Some of the products/ services shown are not or may not be regulated by the Financial Services Authority ( FSA)

There will be a fee for mortgage advice.  Our typical fee is £595.