Mortgage and Equity-Release Information
Explore the Route That Matches Your Situation
TFS provides general information about common mortgage and equity-release situations. If you choose to make an enquiry, we can pass your details to Anderson Reed, whose qualified advisers may contact you.
Find Information for Your Situation
Choose the situation that most closely matches yours to read the relevant information before deciding whether to make an enquiry.
Buying a first home
Information about deposits, lender affordability, agreements in principle and the buying journey.
Explore this information →Reviewing an existing mortgage
Understand product transfers, remortgaging, possible costs and changed circumstances.
Explore this information →Financing a rental property
Information about standard residential buy-to-let, rental-income assessment and landlord considerations.
Explore this information →Concerned about credit history
Understand how lenders may consider credit history and what information can help explain the circumstances.
Explore this information →Considering equity release
Learn how equity release works, including compound interest, risks, alternatives and the need for specialist advice.
Explore this information →How TFS Works
TFS Mortgages is a lead-generation service. We provide general information and can pass an enquiry to our partner Anderson Reed. Any regulated mortgage or equity-release advice is provided by Anderson Reed's qualified, FCA-authorised advisers.
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Explore general information
The visitor chooses a page relevant to their situation and reads the information and disclosure.
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Make an enquiry if wanted
If the visitor wants to, they send basic contact details to TFS. There is no obligation to proceed.
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Introduction to Anderson Reed
TFS passes the enquiry to Anderson Reed and one of its advisers may contact the visitor.
TFS does not assess the visitor's circumstances, recommend a mortgage or provide advice. Any regulated advice is provided by Anderson Reed after its own process.
Who may contact you
If you submit an enquiry, TFS may pass your details to Anderson Reed. Anderson Reed is separate from TFS and provides any regulated mortgage or equity-release advice through its appropriately qualified, FCA-authorised advisers.
Visit Anderson Reed ↗Explore All Information Pages
Neutral information about each mortgage and equity-release topic. Read the detail before deciding whether to make an enquiry.
First-Time Buyer
Deposits, affordability, purchase costs and agreements in principle.
Learn more →Remortgage
Product transfers, remortgaging, costs and reviewing an existing deal.
Learn more →Buy-to-Let
Standard residential landlord borrowing and rental-income assessment.
Learn more →Interest Only
How scheduled payments and capital repayment differ, and why a credible repayment strategy matters.
Learn more →Fixed Rate
How a fixed-rate period works, including fees, early repayment charges and what happens when it ends.
Learn more →Variable Rate
Tracker, discount and other variable rates whose payments may rise or fall.
Learn more →Bad Credit
How credit history may be considered and why lender criteria and timing matter.
Learn more →Equity Release
How later-life equity release works, including compound interest, risks and alternatives.
Learn more →What a qualified partner adviser may do
After an introduction, Anderson Reed may, within its own service:
- Understand circumstances through its own fact-find.
- Explain relevant lender and product criteria.
- Compare options within its documented service scope.
- Provide a personal recommendation where appropriate.
- Support an application if the visitor chooses to proceed.
These activities are carried out by Anderson Reed, not TFS. Terms, scope and any fees should be explained before the advice process proceeds.
Frequently Asked Questions
What does TFS Mortgages do?
TFS Mortgages is a lead-generation service. We provide general information about mortgages and equity release and, if you choose to make an enquiry, can introduce you to our partner Anderson Reed. TFS does not provide advice, assess circumstances or recommend products.
Does TFS provide mortgage or equity-release advice?
No. TFS provides general information and introductions only. Any regulated mortgage or equity-release advice is provided by Anderson Reed's qualified, FCA-authorised advisers, not by TFS.
Who is Anderson Reed?
Anderson Reed is a firm, separate from TFS, whose appropriately qualified, FCA-authorised advisers may provide regulated mortgage or equity-release advice after an introduction and their own process.
Is making an enquiry a mortgage application?
No. Making an enquiry is not a mortgage application. It simply lets TFS pass your basic details to Anderson Reed so that one of its advisers may contact you.
Will making an enquiry check my credit file?
No. Submitting an initial enquiry to TFS does not itself perform a credit search. Any credit check would form part of a later stage handled by Anderson Reed or a lender, and would be explained to you first.
What information does the initial enquiry request?
The initial enquiry asks only for minimal details, such as basic contact information and a short summary of your situation. Anderson Reed would explain what further information is needed if you decide to continue.
Do I have to proceed after making an enquiry?
No. There is no obligation to proceed. Anderson Reed may contact you, and you are free to decide whether to continue after speaking with an adviser.
Where can I read about privacy and how my details are used?
Our Privacy Policy explains how your details are collected, used and shared when you make an enquiry.
Not sure which information page to start with?
Use the situation cards above or send a general enquiry through the contact page. TFS can pass an appropriate mortgage or equity-release enquiry to Anderson Reed.
Make an Enquiry →