Residential
We provide independent and whole-of-market advice offering competitive rates for residential mortgages from the high street and private banks. Popular residential mortgages we arrange include:
First Time Buyer Mortgages We love helping first time buyers enter the property market. With so many options out there, our knowledge and experience will steer you through your available choices.
New Build property is becoming ever more popular with properties being energy efficient, better for the environment and ‘ready to go’. When it comes to new build mortgages it can be a minefield, with different lenders having different criteria in areas such as level of deposit needed, acceptable construction warranties and developer incentives. There also exists a host of different mortgages options and schemes specifically available for certain new build property. In this fast-moving space we’re on hand to advise what works best for you.
Next Move Whether moving 'up the ladder' or changing location, our advisors can guide you on what works best for your evolving needs.
Remortgage As your current mortgage deal comes to an end it’s important to explore and consider all available options to you, not only from your current lender, but the wider market. This also provides an opportunity to review your needs as a whole and incorporate any changes into any remortgage solution.
Interest Only Mortgages and part interest only mortgages, provide choice and flexibility for clients to reduce payments where an acceptable repayment plan is in place.
Self Employed Mortgages We understand each business is unique. Whether Ltd Company, Sole Trader, LLP Partner, our knowledge of self-employed mortgages can make the seemingly impossible a reality.
Large Mortgages Often larger loans (£1m+) are complex and require a level of understanding to best present the mortgage and arrive at the right lender. Our industry background has enabled us to establish relationships with banks, building societies and private banks not afforded to the everyday broker. Equally, being whole-of-market, we’re unrestricted in terms of lenders we work with.
Buy-to-Let
Whether an experienced investor or first-time landlord, the buy-to-let market remains a popular way to own investment property.
The BTL landscape has changed in recent years with government changes to tax designed to make the space more professional and improve the quality of property offered to tenants.
In addition to BTL mortgages, we also advise on Holiday Let (short term rental) and HMO mortgages.
We work with you to determine the answers to questions such as ownership structure; personal name or Ltd, and establishing the options available.
Specialist Finance
Looking for a short-term finance solution, to build your own home, develop for profit, or buy a property whilst residing abroad? A specialist mortgage and a tailored approach might be right for you.
Bridging Finance can be utilised for a range of purposes including property renovations, ‘buy before selling’ scenarios such as downsizing and chain breaks and is typically secured on your current home with the ‘exit strategy’ typically being the sale or refinance of your property.
Self-Build Mortgages If you are planning on building your own home a self-build mortgage may be the best solution. These mortgages are designed specifically to aid the construction of your home from land purchase to practical completion typically through stage released payments.
Expat mortgages are crafted for individuals residing overseas who wish to invest in UK property. These include mortgages for personal residences or family in the UK, as well as buy-to-let mortgages. The expat lending space is limited to certain countries and currencies. Fortunately, we have experience navigating this space and can advise what’s achievable based on your requirements.
Development Finance typically available for experienced developers building ‘ground up’, into airspace or heavy refurbishment of an existing building. With development being for profit, there are considerations a lender checks for to establish feasibility and appetite to lend. The main points being - loan to costs, loan to value, gross development value and projected profit margin %.
Protection Services
We provide insurance solutions to protect your mortgage and financial stability.
Life insurance ensures peace of mind and support to your loved ones in the event of your death.
Critical illness cover typically provides a lump sum payment once you are diagnosed with a critical illness specified in your plan.
Income Protection provides you with a regular monthly income if sickness or disability prevents you from working. This can work well alongside any employer-provided coverage.
