PAD Financial
9th September 2019
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We can advise you on
- Bad credit
- Building your home
- Buy to let
- Buying commercial property
- Buying first home
- Buying overseas
- Flexible mortgages
- High loan to value
- Next home / Remortgaging
- Right to buy
- Self-employed mortgages
Meet our advisers
Paul Dorward BA(hons) CeMAP CeRER
Adviser
Qualifications & Accreditations
CeRER - Certificate in Regulated Equity Release (LIBF)
This qualification assesses a knowledge and understanding of the principles of equity release, the different types of schemes available and the circumstances where equity release is an appropriate solution for the customer.
CeMAP - Certificate in Mortgage Advice and Practice (LIBF)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.
CeRCC - Certificate in Regulated Customer Care (LIBF)
This qualification assesses a knowledge and understanding of the regulatory and practical implications of the Treating Customers Fairly initiative.
What our clients say
I thought Paul provided me with a fantastic service. I was recommended Paul by a friend and when I initially got in touch as a first time buyer, he was very happy to talk through the overall house buying process and steps which, while not directly relevant to giving me mortgage advise, it really helped me. Once I had found the property, Paul was highly responsive and helped me to get the mortgage application taken care of within days. He was proactive at following up and when the legal process turned into a saga he was happy to help where needed. I couldn't recommend Paul highly enough. He was by far the person who most helped the house buying process be easier for me!
He does his best for your Financial situation and was sincere and genuine in his dealings with me I felt and would not hesitate to use him again or recommend him to friends and family.
Paul provided a full and comprehensive service throughout two purchases of properties; from an informal chat before we were ready to even look for properties to the day of completion, he was always on hand with advice and options, keeping us informed on all aspects of the process.
I have worked with Paul on various purchases of Property from outside the UK and he has been outstanding in terms of responsiveness, obtaining great deals and most importantly getting me what I want. Paul has also advised me on pension matters and setting up trusts. I hold Paul in such high regard he is used by members of my family and friends.
Purchasing a new property requiring a small mortgage. Paul found us the best deal on the market that suited our budget and repayment needs, he did this for two properties (one sale fell through), all for one fee, handled all the paperwork and answered all our queries promptly and fully - as well as keeping us calm throughout the process. Successful completion of property purchase and mortgage, so yes.
Buying a house. *. Bought the house.
Paul was absolutely fantastic in supporting me through the process of getting a mortgage. I
found him to be extremely knowledgeable and he went above and beyond to try to secure me the best possible mortgage deal, even when this created additional work for him. Paul was accessible and the lines of communication were always open. I felt that he really listened to what I wanted and needed and took this on board to ensure that the 'best' deal was the one which was personalised to my needs and thus 'best' for me. When terms or language used by the mortgage companies was confusing, Paul was able to communicate the situation in a way more appropriate for the 'lay person'. The house purchase took five months and I felt that as Paul supported me throughout, I feel I got real value for money. I would certainly recommend him to friends and family.
Paul provided clear and comprehensible information, made a complex process really simple for us, and crucially provided advice & guidance based on experience. We'd use his services again and would recommend to anybody.
Myself and my partner cannot thank Mr Dorward enough for his help in finding us a
mortgage to suit our requirements and situation. He went over and above to help us at every
stage and thanks to him we now have our new home. If only he could have been our
solicitor too! Excellent friendly service and I would definitely (and have) recommend him
to anyone.
I've really enjoyed working with Paul to secure the best possible mortgage for me. Right
from the beginning I've had absolute confidence in Paul and his approachable manner made
me feel at ease asking 'silly' questions as I'm a first time buyer. Paul is straight talking,
efficient and willing to go the extra mile to offer a helping hand in the house-buying and
mortgage sorting process and I'm so glad I've had his support in doing this, it's certainly
taking the stress out of securing a mortgage and I'll definitely be using his services again
when it comes to remortgaging. A fantastic service and excellent advice from a thoroughly
nice chap; I would certainly recommend Paul to friends and family.
I would happily recommend Paul to my friends and family
Paul managed to find a solution to funding my development project where other mortgage
advisors had failed. It was a challenging and time consuming project for him which he
delivered on time and for the original quote.
I have been very impressed with Paul, he has done an excellent job in helping me secure a
right to buy mortgage where no one else could. He has been very patient with me and
understood all my requirements and explained everything very well, I would highly
recommend him to anyone else. Nothing has been too much trouble for him and I greatly
appreciate all his help.
PAD Financial have provided me with Mortgage advice for the purchase of two residential properties in recent years.
On both occasions the advice I received was excellent resulting in me obtaining highly competative interest rates on my repayments.
A usually complicated and confusing process was made simple and easy to understand.
PAD have subsequently advised me on numerous other financially related matters and have never been disapointed with the service or results I have received.
Richard Lace MRICS
Paul is sharp and proactive and I look forward to working with him again!
My wife and I asked Paul at PAD Financial to help us change our mortgage provider and we were very happy indeed with the service he gave us. Since then we have had no hesitation in passing Paul's details onto other people looking for a professional, personable approach from a local IFA.
Where to find us
Pad Financial, Alpha House, 10 Carver Street, South Yorkshire, Sheffield, S1 4FS
Make an enquiryAbout us
We have been in business since 2009, have a lot of experience in assisting a wide range of clients and are mortgage specialists. PAD Financial specialises in advising their clients on their mortgage and protection insurance options based on what is right for them, rather than what is right for managerial sales figures. We welcome enquiries from first time buyers, next step movers, those concerned with the effects of interest rate rises and anyone else with questions about their mortgage.
Our services
When it comes to buying or remortgaging property, it is our job to understand your position, your needs and your aspirations and then to recommend the right mortgage for you. We will ensure that you get the best rate to suit your circumstance from the whole of the market and liaise with the lender, the estate agent and the solicitor to ensure that your dream property purchase does not become a nightmare for you. We will do all the work and allow you to get on with planning your move.
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