UK Independent. Sourced. Primary. · Est. 2024

Expat Club Ltd | Mortgage Brokers | Exeter | Est. 2002

Expat Club Ltd is a mortgage brokers registered in Exeter, established 2002. View company details, send a free enquiry and verify FCA status. Kaeltripton Financial Index.

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Mortgage Brokers UNCLAIMED LISTING

Expat Club Ltd

Mortgage Brokers · Exeter · Est. 2002

24 years
Active Trading
Active
CH Status
04421163
Company No
2025
Accounts to

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Company Registration Details

Registered company nameExpat Club Ltd
Companies House number04421163 →
Company typePrivate Limited Company (Ltd)
Registered address1st Floor 3&4 Cranmere Court, EX2 8PW
City / RegionExeter
Date incorporated2002
Years trading24 years
CH statusActive
SpecialismRecorded activity: 94990
Index statusClaim this listing →

About Expat Club Ltd

Founded in 2002, Expat Club Ltd has been active for 24 years — a period that spans significant change in the UK financial services landscape, including post-financial crisis regulatory reform, digital transformation and the economic disruption of recent years. The firm's continued active status through this period reflects operational stability.

Exeter accounts for 99 of the 5754 mortgage brokers tracked on this index.

Confirm FCA authorisation on the Financial Services Register at register.fca.org.uk before instructing any firm.

What Mortgage Brokers Do

A mortgage broker's role is to place your application with the lender whose criteria fit your income, deposit and property. Whole-of-market firms compare products across the full lending landscape, while panel-based firms work from a defined set of lenders.

Specialist-lender knowledge is often the difference between an approval and a decline on non-standard applications.

How to Choose the Right Mortgage Broker

Borrowers with straightforward employment and clean credit have the widest choice of firms; complex cases benefit from specialists. Establish early what the firm can access and how it has handled comparable applications.

Expect a written disclosure of how the firm is remunerated before any recommendation is made.

Frequently Asked Questions

Do I need a mortgage broker or can I go directly to a lender?
You can approach any lender yourself. What a broker adds is market coverage and criteria knowledge, which shows its value on higher loan sizes, complex income or previously declined applications.
How much does a mortgage broker charge?
Charging varies: lender-paid only, a flat client fee, or a percentage on complex cases. FCA rules require the model and amount to be set out upfront, so ask for it in writing at the first conversation.
What documents do I need to provide to a mortgage broker?
Identity documents, address proof, bank statements, income evidence and details of debts form the core; self-employed applicants should have two to three years of accounts or tax calculations ready.
How long does the mortgage process take when using a broker?
Timescales depend on the lender and case complexity: a few weeks for standard residential, longer for specialist or commercial. Ask the firm for a realistic estimate for your specific case.
Can a mortgage broker help if I have been declined by a lender?
Often yes. Post-decline placement is a recognised specialism: the task is matching your circumstances to a lender whose published and unpublished criteria accept them.

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Important notice: The information on this page is drawn from the Companies House public register. Kaeltripton.com operates as an independent directory and has no affiliation with Expat Club Ltd or any firm listed. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

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