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Hi, I'm Phil, a self-employed mortgage broker with nearly six years' experience helping clients navigate the mortgage market. I work with a wide range of clients, from first-time buyers taking their first step onto the property ladder to experienced landlords growing their property portfolios. I pride myself on providing clear, honest advice and making what can often feel like a complex process as straightforward as possible. In addition to mortgage advice, I can also help clients explore equity release options and protection solutions, ensuring they have the right support both now and in the future.