Tips, tricks and insights from the experts
Latest Articles from Beerstone
Industry Insights
We understand the importance of being prepared. In this guide, we'll break down the various costs associated with buying a house. Find out more about the different costs alongside the costs of buying a home.
Industry Insights
A down payment serves as a demonstration of financial responsibility and can lead to more favourable mortgage terms.
Industry Insights
Self-employed individuals seeking a mortgage often face unique challenges, particularly when it comes to income verification. Unlike traditional employees, you may lack readily available documentation like pay slips or tax forms.
Industry Insights
Discover the keys to successful real estate investing with the right mortgages for your investment properties. Learn how to choose the ideal loan type, navigate challenges, and maximize your returns.
Industry Insights
Unlock the key to smart mortgage decisions with our 5 essential tips in 60 seconds. Learn about credit scores, lender shopping, down payments and much more.
Industry Insights
When you apply for a mortgage, we’ll consider you to be self-employed if you have more than a 20% share of the business from which you get your main income.
Industry Insights
Discover how to prepare for a self-employed mortgage application, and explore how our assistance can support you during the process.
Industry Insights
Our Exeter mortgage advisors have put together a few tips for first-time buyers.
Industry Insights
Looking for expert equity release advice in Devon? Unlock the value of your property with confidence by following these essential steps.
Industry Insights
Securing the best mortgage as a self-employed borrower can be a challenge, but with the right guidance, you can achieve your home ownership goals.
Industry Insights
Simon and Helen, a couple in their early thirties, were eagerly anticipating the arrival of their second daughter. They enjoyed a relatively stress-free life until the moment their daughter was born and they received the heartbreaking news that she was deaf. They wanted to share their story and provide guidance to those considering insurance options.
Industry Insights
Paula led a typical and healthy life. Paula and her husband recognised the importance of financial security and thus acquired life insurance to protect their mortgage and her income, based on the advice from a financial advice specialist. It never crossed their minds that they would ever have to utilise their insurance coverage.
Industry Insights
Mark releases equity from his home through a lifetime mortgage, ensuring his settlement payment while keeping an emergency fund. This brings optimism for his future and allows him to retire with financial flexibility and peace of mind.
Industry Insights
Lets explore the different mortgage types and discuss how each can work for you. Our mortgage advisors will work with you to help you choose the right deal and repayment type.
Industry Insights
At 83 years old, Mr Walsh had lost his wife two years prior to illness. Mr Walsh has been suffering with arthritis for years, which has now made it impossible to complete some basic tasks meaning he would need additional care.
Industry Insights
When you are investing in property using a mortgage, you plan for your income to cover the monthly repayments; however, if for whatever reason your income dramatically drops and you cannot meet the repayments, mortgage protection insurance is there to offer protection.
Industry Insights
For those who are self-employed, securing a mortgage isn’t quite as simple as for those who are in full-time employment. This is due to the fact that most self-employed workers receive far less predictable incomes than salaried workers.
Industry Insights
By using a buy-to-let mortgage you are able to invest in a property that you are able to rent out for an additional income. It is worth noting that property investment isn’t always plane sailing and there are numerous considerations you will need to make before making your investment.
Industry Insights
Our equity release advisors will be with you every step of the way in helping to release equity from your property.
Industry Insights
Explore our guide to mortgages for first time buyers. Our mortgage advisors have been providing outstanding services.
Industry Insights
Mortgage lenders will often require you to provide your HMRC SA302 and Tax Year Overview documents.
Industry Insights
If you are looking to remortgage your property then this could be because of a range of different reasons.
Industry Insights
In this article we will outline the processes of purchasing a home as well as a few tips to keep costs down.
Industry Insights
Saving for your deposit doesn't have to be difficult, we have put together 10 ways for you to save for a deposit.
Industry Insights
Most of us have heard of the government Help to Buy ISA, but have you heard of the similar scheme, Lifetime ISA?
HELPING CUSTOMERS ACROSS DEVON
Based in Southernhay, we have spent the last 25 years providing customers with impartial financial advice. In the last 2 decades, we have helped customers across Devon in areas such as:
A few examples areas that we work in include:

Our Devon mortgage advisers are here to provide you with impartial and honest advice.
Beerstone Financial Services was established in 1996 by Chris Beer, our Director, who still oversees the company and ensures we maintain the best service.
In total we have over 30 years of experience in financial services working in a range of environments so you can be sure that your situation is in experienced hands.
Speak to our team
Visit our offices: 2 Southernhay West, Exeter, EX1 1JG
Beerstone Financial Services Ltd (542704) is an Appointed Representative of BrokerSync Ltd, which is authorised and regulated by the Financial Conduct Authority (1031981).
There may be a fee for Mortgage Advice. The precise amount will depend upon your circumstances and will be agreed upon following your initial meeting.
Investments, Pensions, Wills, Trusts, PMI and Estate Planning will be referred to our authorised third-party providers. Beerstone Financial Services Ltd and BrokerSync Ltd are not responsible for any advice received from the third-party providers.
Investments, Pensions, Wills, Trusts, PMI and Estate Planning will be referred to our authorised third-party providers. ABC Ltd and BrokerSync Ltd are not responsible for any advice received from the third-party providers.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Conveyancing, Wills, and some forms of Buy-to-let Mortgages and Commercial Mortgages are not regulated by the Financial Conduct Authority.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured against it.'