About Us

We are Finance introducers, and as such can offer you access to a whole of market advisor.

Based in Swindon we are able to introduce consultations at our introducer's offices, in the comfort of your home or place of work. The majority of our clients reside throughout the London area and in some instances further afield. Using technology we can provide services throughout the whole of the UK.

Complete Independent Financial Services Limited
CIFS was incorporated on 18 August 2005 by the founder as a privately owned and managed Company. Mr John Pacitto CII (MP)(Founder and Managing Director) is a financial Services professional with 20 years Industry experience and a member of the Chartered Insurance Institute of Mortgage Professionals holding the CEMAP benchmark qualification to advise on Mortgages and General Insurance.

CIFS offer a broad range of services to fit the needs and demands for our Introducer's clients and of course our own. We work on the principle `If our recommendation for a solution to a client need(s) will not form an improvement to a customer's financial circumstances, we will advise of this fact and recommend an alternative solution` This could be:

• To sell their property.
• To engage a service to negotiate their unsecured debts
• To take debt management advise.
• To take advice from an Insolvency practitioner.

CIFS refer Commercial finance and Insurance enquiries to a sister Company IBAS Consulting also founded by John Pacitto.

Unique customer service points:
CIFS (unlike the majority of finance brokers) take away the `headache` of arranging a loan (purchase/re-mortgage/Secured loan/Commercial loan). This is achieved by our introducers modern `back office` geared to manage the process from initial enquiry to the Legal completion of a customer's transaction. In addition CIFS report back to the client to offer regular updates to enable the customer to feel at ease with the progress of an inaugural and dedicated customer focused service that manage the process and hopefully exceed the customer's expectations in terms of delivery!

We are a growing firm and now receive the majority of our new business by referral from satisfied clients and Professional Introducers. CIFS are working towards a `One stop shop` for residential and commercial customers demands and needs and expect to roll-out news of this exciting development in 2009.

We pride ourselves in giving unbiased honest advice.
Whether you are looking for advice on a new purchase or need to save money by remortgaging to a lower rate, we are in an excellent position to arrange the help you need. Whatever your goals we are happy to accommodate!

Our flexible approach allows us to provide face to face consultations, conduct business by post or via the worldwide web.

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but the minimum fee will be £1750 up to a maximum of £2495.