Not necessarily because you will almost certainly be talking to a Christian. We'll be helpful, sympathetic and understanding, and provide (we hope) knowledgeable answers to any query you might raise, but in fairness we hope that all who come to us will experience this level of service.

The fact that we are a Christian company is, in effect, an added bonus to you as an individual. And what is this service we provide? Quite simply, we are mortgage advisors. We do not lend mortgage money ourselves but we seek out for you the most suitable facility available according to your specific needs and circumstances.

There are scores of individual mortgage lenders operating in the country at present - yes, we thought that figure might surprise you! If you could somehow visit every single one of them (think of the shoe leather alone) obtain their product packs, stagger home with these (trying to count how many trees have been sacrificed to produce such a mass of paper) and then settle down to read all the brochures, consider the claims of each, read through all the small print ... do you get the picture!

We've been there, done all that for you! Our computerised mortgage sourcing systems contain the facilities of every lender operating. Once we have discussed your specific requirements we will locate and recommend the most suitable lender and product for you - you as an individual. So, contacting us is just the same as if you were physically able to visit each and every lender in the country and compare all their products. It really is!

We are passing through very difficult and troubled times as far as mortgages are concerned.  Mortgages are hard to obtain. and even those which are available, have many restrictions or requirements.  There never was a time when professional yet sympathetic advice from a Christian perspective was more valuable.

AND THE GOOD NEWS IS THAT THIS ALL EMBRACING, COMPREHENSIVE SERVICE IS AVAILABLE TO YOU ABSOLUTELY FREE OF CHARGE!

Unlike many Mortgage Advisors operating today, we do not charge extortionate fees for what is often a very restricted service from poor quality so called 'advisors'. All of those advising you at Mortgages for Christians are qualified not only through the completing of numerous specialist examinations, but also (often equally if not more important) have had considerable experience in the mortgage advisory field. And of course, we are a long established company of over 30 years standing - and if our service had not been proved over and over again down through the years to many satisfied clients we would not be in business today! It will be appreciated that to provide what we frankly consider is a service unlikely to be surpassed by any similar organisation, we have to bear considerable costs. Apart from normal staff salaries, office costs and the like and the substantial expenditure involved in running any business, we have to provide and maintain expensive mortgage sourcing systems for example, which enables us to source the entire mortgage market on your behalf, and the ever escalating costs of regulation and compliance procedures designed by the authorities to protect your interests have to be paid for.

Apart from all of this - and much more - we, at Inter City, always endeavour to 'go the extra mile' in dealing with our clients and the fact that some 70% of all the business we complete on a daily basis results from recommendations from other clients, speaks volumes, we feel.

How can we operate without making a charge?

Certainly not by giving an inferior service!

We spend a lot of time dealing with every enquiry we receive. Very occasionally, it is obvious that we can be of no help at all, but we still spend time advising, and very often counseling enquirers and suggesting possible alternative courses of action.

We do, of course, receive a fee from the lenders with whom we place our client's business.

In addition, very often it is apparent that clients for whom we have arranged mortgage finance have other needs - mortgage protection insurance for example, and again we will receive a commission from Insurers with whom we place this business

But the main reason we do not to have to charge fees is that the very great bulk of our business comes as the result of recommendations from satisfied clients - which means that we do not have to spend excessive amounts on expensive advertising.

Despite this clients who feel particularly satisfied with help we have given them often ask if they can pay us a fee! Our answer is always the same - if you feel particularly blessed as a result of any service we have been able to provide give a thank offering to The Lord - in your fellowship offertory perhaps or a gift to a Christian worker or mission. If you insist on making a small gift more personal, we do - mainly from tithing by the company and its directors - operate a small Charity called SIRRAH CHARITABLE TRUST. This Trust seeks to help those involved in Christian service in this country and abroad and also assists young Christian believers who have been brought to the Lord from a background of drugs or violence etc and need much spiritual help and counselling.  Details of how to donate to the Trust will be found in the links section on this site.

What else do I need to know?

Please see 'frequently asked questions ' which you may find of help. Skim through this and see if the particular matter which concerns you is dealt with there. We've tried to make this section as comprehensive as possible, but quite obviously we cannot cover everything. Indeed no matter how good a web site might be, and however much information we might endeavour to give, there is ultimately - even in this technological age - no substitute for a chat over the 'phone! However, we do give you the option of contacting us in any way you wish - please see the 'how to contact us ' link.