Northampton: 01604 633696
Kettering: 01536 517385

Focal Point Estates

Keeping you the centre of attention


Focal Point Estates have teamed up with a professional and impartial mortgage broker, Mortgage Protection and Finance Ltd to save you time and money by doing the leg work for you and shopping around in order to compare thousands of deals from the whole market (rather than just a few lenders) , which enables us to reduce your monthly mortgage repayments as low as possible for you. We also provide a full recommendation detailing the advice provided in a suitable report.

Our Approach

Our firm embeds the principle of Treating Customers Fairly as prescribed by the Financial Services Authority, and those guidelines obligate us to provide advice most suited to your requirements taking into account the affordability of the product recommended.  As a Personal Finance Society member, we earn and maintain the trust of our customers by always acting skilfully, carefully, diligently and lawfully. The advice we provide give will also be from within the limits of our personal competencies and within the limits of the authorisation you have given. Our core values are based on Integrity, Professionalism, Confidentiality and Objectivity.

Getting the right advice means speaking to the right people, so speak to Ashley Royer on 0800 612 6968 and choose option 1 for his direct line

We provide the following services

  • Mortgages
  • Remortgages
  • Family Insurance
  • Buy to Let Mortgages*
  • 2nd Charge Secured Loans
  • Unsecured Loans*

For the following individudals:

  • A first time buyer
  • Moving home
  • Wanting to save money on an existing mortgage
  • Releasing capital in your home
  • Poor or Adverse Credit
  • Buying to let*
  • Commercial mortgages*
  • Overseas mortgages* 

The overall cost for comparison is 6.8% APR but the actual rate available will depend upon your individual circumstances. Please ask for a personalised illustration.


Miss Kamau, Northampton
I was pleased with the services offered.  A big thank you.

Mr and Mrs Fleming, Lanarkshire
The property we purchased had been repossessed by the banks and we were given strict time limits to come up with loan papers.  Ashley went out his way to liase with others involved in the sale, helping everyone understand where we stood with the progress.  It was very much appreciated!

Mr and Mrs Gilchrist, Jarrow
Very good services.

Ms Mitchell, Northampton
I Found Mr Royer to be very helpful, polite and informative.  I think he is a asset to your company.  Please thank him.

Mr and Mrs Hebbes, Berkshire
Another simply smooth transaction by Mortgage Protection and Finance Ltd.  They take the effort from you and deal with the process.  I would highly recommend their services.

Mr and Mrs Abraham, Essex
Friendly service and went above and beyond to find a mortgage appropriate for me will definitely use Mortgage Protection and Finance Ltd again and recommend to friends and family. Thank you for your great service!

Mr Webb and Miss Seabourne
Myself and Darren are very grateful all the help you have given us with our mortgage. It was very stress free and delta with very quickly and professionally. I also found Mortgage Protection and Finance Ltd very helpful with offering other services we took out new life insurance and home insurance which saved us money, so i thank you for that. A very helpful and very friendly team and we will be using your services in the future.
Many Thanks

Mr Singh & Mrs Kaur
I found this mortgage company to be a great heko. The service was very good and we are very happy with the end product. Thank you for trying different lenders, this was extremely helpful. All in all we are very happy with what this company delivered and we would definitely recommend it to everybody.

Mr & Mrs McCarthy, Cardiff
I can only say that Ashley provided a service that would be hard to beat anywhere. His Knowledge of mortgage and insurance is second to none. He always followed up phone calls and contacted us regularly to make sure we were happy with the service provided.
We felt reassured and thank you.
I would not hesitate to recommend Mortgage Protection and Finance Ltd to anyone in need of advice.

Mr Elms, Middlesex
I would highly recommend Fiaz and Mortgage Protection and Finance Ltd to anyone wishing to apply for financial packages. I think this was the only company out there with the contact that would of got me a mortgage.

Miss C Mace, Pontypool
I have been extremely pleased with the service I have received from Mortgage Protection and Finance Ltd. I have recommended them to friends and family and wouldn't hesitate to use them again.

Mrs Patterson
The most excellent advice and service as always.
Many thanks

Mr & Mrs Jones-Tovey
We have been happy with the service. We had a few problems with regards to Paragon Finance which ended up delaying the mortgage by at least 3 months. This was not helped by Enacts what seemed to be a lack of knowledge and communication, this costing us a lot of money.  Thanks to Mortgage Protection and Finance Ltd getting involved in the latter stages we managed to get it finished and the new mortgage closed off.

Mr & Mrs John
We were very happy with the service we received from Mortgage Protection and Finance Ltd. We felt they had extensive knowledge of the products and were able to advise based on what we wanted. All staff were easy to contact and their customer service was brilliant. We are very happy with the product as well and would definitely recommend to colleagues. Many Thanks

Mr M Bourne
Excellent, honest advice, gave me the confidence as a first time buyer.
Thanks very much

Mr & Mrs Bailey
We were very pleased with your service and would recommend you.
Your help has sorted our financial situation out.
When I had to phone the office I was also spoken to very politely and did not feel I was wasting your time with silly questions even if they were. Everybody I spoke to was very helpful even if they could not help I would get a call back when they had found an answer to a questions. Keep up the good work and thank you for your help.

Mrs Carnan
Excellent service, good feedback, constantly keeping me updated with the progress of the mortgage, the service took all the worry from me enabling me a stress free re-mortgage. I have recommended you to friends and will continue to recommend your services to friends and family.
Thank you once again

Mr Callaghan
I am happy with the service provided and the indepth knowledge and help I have been given along the way and thankful I have found a broker that deals with a wide range of mortgages. Only negative would be the contact side including postal address issues.

Mr R Taylor
In the main you did a very good job. The only hitch was the first mortgage offer not working.

Mrs J Jefferies
My remortgage was dealt with very quickly and everything went through very smoothly. I hardley had anything much to do myself, the staff at Mortgage Protection and Finance Ltd dealt with preety much everything for me and all the staff were very efficient & friendly

Mr and Mrs Stephens
We found the service extremely efficient and helpful. The staff ensured we were aware of all our options and responded quickly to subsequent questions. 
We would highly recommend your company to others.

Mr and Mr Webb
I could not have done it without your incredible help!
The people in the office are so helpfull + friendly!
Thank you so much

Mr & Mrs Sweeney
The service provided was friendly, effecient and with a 'no nonsense' approach.
We are, overall, very pleased with the service provided and will let others know of this.

Mrs Cobbold
A very good personal service, there to answer any questions and queries at any time, would certainly consider using again. Many Thanks

Mr & Mrs Culshaw
We would certainly consider using Mortgage Protection and Finance Ltd again. We have appreciated your efforts and competence in switching our mortgage. The whole process has gone without any problems or stress to ourselves. You have provided us with useful information, not to mention a good and honest service.

Mr Woolnough
I would like to take this opportunity to thank you for all of your help and assistance through out the whole process. You have been a pleasure to work with and I will be defiantly recommending your services to others.

On behalf of a Client from Sri Lanka
Thanks so much for this. No criticism of you at all - you have been brilliant throughout. I am really impressed with your service and will happily recommend you to anyone looking for a mortgage etc.
Just frustrated that a simple purchase is taking so long! But sincere thanks for your help.

Mrs Olson
Thank you so much for all your recent help but we had a very good offer elsewhere. 
So sorry but you enabled us to be confident in finding a good deal.
Many thanks again

Mr & Mrs Holgate
Excellent advice given.
The whole process was easy and hassle free.

Mr Ehssina
Friendly and professional service provided
I would recommend them to anyone who needs a mortgage
Thank you

Mr and Mrs Harris
Everything completed very quickly and efficiently
Thanks for a great job

Mrs Gray
Thank you for your assistance in my re-mortgage, the service I received was professional and friendly.

Mr and Mrs Hamer
Found you were very helpful and listened carefully to our needs.
Yes I would recommend you and your company and we would return to you for advice on any future financial matter.
Many Thanks

Ms Leithbridge
Excellent service. All contacts recieved as arranged. Full explinations of options given, followed by return of post written details. Felt confident in the information given and had a stress free experience.
Would use the service again and would recommend to friends and family. A 5 star service.
Thank You

Mr and Mrs Scott
We will most lik to say thankyou & recommend you in the future. Very happy with the service

Client from Swindon
Will use you in the future when i need a mortgage found your company to be both professional and friendly.
Thanks and regards

Mr & Mrs Oke
Excellent service, prompt and efficient. No problem recommending this service. Thank you.

Mr & Mrs.Rawlings
Mortgage Protection and Finance Ltd was very helpful and a mortgage was agreed very quickly. Due to unforseen cicrumstances the solicitor had to be transferred and Mortgage Protection and Finance Ltd was very helpful when this happened.

D Mills
Thank you for your xmas card and I would also like to thank you for all your help over the past months with the mortgage business especially during this difficult period, I hope your exam went well!
I will be in touch after the holidays and for now I would like to wish you, your family and all your staff a very happy Christmas and a healthy and successful new year.

L Dunthorne & I Lees
Thank you for all your hard work with Halifax! It's much appreciated.

D Barrett
Fiaz worked really hard to try to find me the best deal for which I'm very grateful. I would definitely recommend the company.

Mr Young
Exceptionally good service. Best wishes for 2009

Mr & Mrs Patel
I am happy with the service and guidance provided by you in my remortgaging. I would be happy to recommend your name to anyone.

J Hodge
I was very impressed with the helpful advice, guidance and level of service I received. Nothing was too much trouble and I felt very well informed during the process.
Thank you for your excellent professional service and I would recommend your services to my friends. Many thanks and Merry Christmas to all

U beat me 2 it as i was goin 2 ring u an thank u 4 everythin. u made it so easy. i am at house now testin heatin an stuff. Thanks again. Merry xmas

Mr Hale
Excellent service
Excellent communication
Efficient communication
Quick processing
Excellent advice
Wouldn't hesitate to use again - very pleased

G Winchester
Thank you so much for taking the time to speak with me yesterday. Hope you had a great day. Look forward to speaking to you soon. Regards

I just wanted to say what pleasure it was speaking to you. You've put my mind at rest on several issues and I now feel confident in going forward with my mortgage application.
If you ever need a recommendation don't hesitate to contact me.

I was very impressed with your advice when I spoke to you recently, but I am not ready to take matters any further at the moment until several personal matters have been resolved. Should I decide to seek a mortgage in the future I will certainly contact you.
Thank you for your advice and help.

G. Mowe
I would like to thank you and your team for the help and assistance that you have given me throughout my search for a mortgage. Your advice has been really appreciated in these uncertain times and you made the whole process much smoother and easier than expected.
Your customer service and communication has been great and I have felt like a truly valued customer, always having someone on the end of the phone when I needed to find out information was great.
I am really happy with the outcome end if there was anything further i needed advice on I would certainly use your services again.

Mr Naggi & Mrs Nilesh, Wembley
The service provided was really good. Very clear information as well as excellent advice.

Mr & Mrs Coss, Gloucestershire
Ashley Royer provided an excellent service and is a credit to your company. I have no hesitation in recommending Ashley and your company. Thanks.

Mrs Harry, Redruth
Ashley Royer was extremely helpful and patient with all my enquiries and questions. I thoroughly recommend him and your group to anyone needing a remortgage or mortgage.

Mr Atarod, Stafford
Been happy with all the arrangement.

Call Ashley Royer on 0800 612 6968 option 1 

*Not all these mortgages are regulated by the Financial Services Authority and therefore the usual protection is not available.  Your home may be repossessed if you do not keep up repayments on your mortgage or other loan secured upon it. All loans are subject to status, valuation and your circumstances. Any premium quoted is an estimate only and that the actual premium will depend on individual circumstances. There may be occasions where we may charge a fee which may depend upon your circumstances. In these situations we will inform you at an early stage, the fee being no more than £99 on application and £99 on completion or £299 on receipt of a mortgage offer. Mortgage, Protection & Finance Ltd which is regulated and authorised by the Financial Services Authority and is entered on the FSA register ( under reference 492222. The advice and / or guidance contained within this site is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

£750 PCM
2 Bed | Apartment | Northampton | NN1
2 Bed | Apartment | Northampton | NN1