I LOVE Sphere Financial Services

Guy Stuttard is the Cheadle Hulme based local adviser for Sphere FS, and a nicer guy you couldn’t wish to meet. Indeed, within his professional circle he’s known as NGG – or Nice Guy Guy!

Knowledgeable, totally transparent and trustworthy, he’s exactly the sort of person you need to handle your mortgage.

Guy has lived in Cheadle Hulme since 1988, although he did only need to move down the road from Heald Green. He moved into Financial Services back in 2002 as it suited his family situation, and he’s never looked back. Prior to setting up Sphere, he worked with Gascoigne Hallman, Edward Mellor and BUPA, so he certainly has the know-how and the credentials. Sphere was set up with two colleagues in 2012 and they now have seven staff. Advisors are based all over Cheshire – although they can, and do, work throughout the UK – and even the rest of the world.

• Guy – and Sphere Cheadle Hulme – specialise in:
• *Residential Purchases
• *Residential Re-mortgages
• *Buy-to-Let Purchases
• *Buy-to-Let Re-mortgages
• *Insurance (see below)

They can also help with commercial mortgaging. Guy stresses the importance of associated insurances, which Sphere can help with. He emphasises the need to regularly review your cover, to ensure it is keeping up with your circumstances.

Guy tells me:

‘We believe in protecting our loved ones and we practice what we preach. We have first-hand experience of how insurance makes a massive difference in hard times. Sphere are committed to making sure our customers understand this impact.

Our families are the most important things to us, and we know everyone is the same. We make sure we don’t scare you with horror stories, or ask you to pay too much. It is important for us to know you have all-round peace-of-mind within budget.

• We advise on:
• – Life Insurance
• – Critical Illness Cover
• – Income Protection
• – Buildings and Contents Insurance
• – Business Protection

We will help you understand what each type of insurance does, help you decide which is right for you and then work with your budget to get you the best quality cover at the best price.’

Guy and Sphere will go the extra mile to make sure it’s right for YOU.

When it comes to mortgages, Guy says the most important thing getting advice from specialists who have access to a comprehensive range of products AND lenders. He and Sphere have excellent relationships with around 40-50 lenders. In fact, over 80% of most lenders’ business comes from intermediaries such as Guy; the personal service just makes sense.

Personal Service

That personal service is what makes Sphere special. They aim to treat clients like family and are able to help in the most unusual of cases – dilapidated barn, anyone? Guy and his team will speak with a lender, and iron out any idiosyncrasies before formally applying. They can also liaise with estate agents, encouraging them to speak with vendors so they’ll know exactly what they can buy. The best bit? The initial meeting is FREE. As with any mortgage, there are fees – but these are kept low AND only due on a SUCCESSFUL application. With Guy, most applications ARE successful – now that’s worth knowing!

As we all know, the property market is positively buzzing in Cheadle Hulme. The media may paint a gloomy picture, but Guy disagrees. Buying can be easy if you get the right advice. That said, so many people just make the mistake of going to their own bank. Your house is the most expensive thing you will ever buy – you need proper, tailored advice and access to a range of lenders. Guy has been able to arrange mortgages for people in their twenties with a 5% deposit – it CAN be done.

Guy warns about what could happen without the right advice:

‘It’s way too easy to approach the bank you’ve been with for the last 20 years. That relationship can mean nothing when they start to consider your position for a mortgage. Every lender assesses their applicants differently, so making sure the right lender is chosen first time is crucial to a smooth mortgage application.  Many lenders use credit scoring for a mortgage application, and this score can vary depending on the type of applicants the lender is looking for that particular week. We also have access to lenders who will not credit score their applicants, but will give each application individual consideration should it “not fit the box” with other lenders.

The work we do in advance of a mortgage application mirrors that of lenders, in that we will view the situation through an underwriter’s eyes and consider if it will be attractive to lenders, or not.

Failed mortgage applications can affect subsequent applications to other lenders, affecting that dream home you may be buying, so make sure you get the right advice, first time.’

Sphere FS Cheadle Hulme LOVE Cheadle Hulme.

Of course, Guy LOVES Cheadle Hulme – it even says so on Sphere’s website! He finds our village down-to-earth and friendly, with a vibrant community spirit. Favourite haunts are the Chiverton Tap, the John Millington and Platform 5. Breakfasts and coffee are enjoyed at The Board and SKEight and he highly recommends the tailoring services provided by Alterations Plus on Turves Road. Guy would love to see even more local independents in the village and is really looking forward to Porter and Daughter’s redevelopment of Bridgeway House. Talking of which, Guy would love to see more restoration of some of Cheadle Hulme’s beautiful old buildings – such as Porter and Daughter’s redevelopment of Leathers’ Farm.

In a nutshell, if you want the best possible advice and service for your mortgage and financial matters, speak to Guy. You’ll be very glad you did. You may be even gladder if you recommend a friend – there’s a £50 voucher in it for you!

• Email : [email protected]
• Phone : 07710 326479
• Contact : PO Box 307, Cheadle Hulme. SK8 9EQ
• Facebook : Sphere Financial Services Ltd
• Twitter : @SpherefsGS

• Sphere Financial Services Ltd is an Appointed Representative of Pink Home Loans. Pink Home Loans is a trading name of Advance Mortgage Funding Limited
• There may be a fee for mortgage advice, the precise amount will depend on circumstances but we estimate it to be £349.
• Your home maybe repossessed if you do not keep up repayments on your mortgage.

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