Mortgages

There are two main reasons for remortgaging:

• To borrow additional funds

• To get a better mortgage deal with a new lender, normally when your current deal expires

The benefits of shopping around:

It can be very tempting to simply renew with your current lender because it might seem like the easiest option. However you could be missing out on a considerably better deal so we it’s always worth seeing what else is out there. As a whole of market broker, we help find you the best deal available.

We can help you with everything, whether you want to borrow more from your lender, or switch to a new one. We'll do all the analysis for you, comparing what your existing lender can offer with other deals on the market.

Buy to let mortgages are designed for people who want to buy a property and rent it out rather than live in it themselves. It’s an investment. Therefore finding the right buy to let deal is critical if you want to make the most out of your financial venture.

Whether you are a portfolio landlord, first time buy to let investor or renting out your current home, we will ensure you have the best advice and find the most suitable mortgage for you needs.

A commercial mortgage is a loan secured against a property that is deemed to be commercial, or non-residential, and can be used for either purchase or refinance. They can be used to fund a wide variety of property types including full commercial, mixed-use properties and even land.

Although some high street lenders do offer commercial mortgages, this is only a small sample of what’s out there. There are a lot of commercial mortgage lenders that aren’t available on the high street. Some won’t even consider applications directly from borrowers as they act through brokers/intermediaries only

Our extensive knowledge of the commercial mortgage market combined with our access to the whole of the market, means we will find the deal that is most suited for your requirements. Whether you are looking for an owner occupied commercial mortgage or a commercial investment mortgage, our expertise will ensure we find the best deal available for you.

We are a independent, whole of market broker specialising in fast access to bridging loans. We have access to all the bridging loan lenders in the UK and this enables us to source the cheapest bridging loan from any lender in the market enabling us to provide the very best of rates.

Bridging finance is typically used by property buyers to “bridge” the gap between a purchase of a property and the approval of a traditional mortgage, sale of a property or the release of funds from elsewhere but can also be utilised in a number of different circumstances including:

• Business funds: short term working capital

• Property auctions: purchasing bargain property quickly at auction

• Temporary cash flow problems: when you require cash urgently

• Tax Liabilities: finance those unexpected tax bills

• Property Refurbishment: upgrade residential or business

• Buy to let: don’t miss out on an investment opportunity

• Moving House: in a chain & need temporary funding to move quickly

Self employed individuals and Company Directors are treated differently to employed individuals by different lenders. It is imperative to know which lender treats your situation most favourably to achieve the best results.

Most lenders assess mortgage affordability based on last 2 years salary dividends whereas other lenders use your latest year’s net profit figures. Some lenders require 3 full years accounts whereas others can work from just one years accounts.

With a wealth of knowledge and experience in dealing with self employed clients, we will ensure to source the best and most suitable mortgage for your requirement.

A contractor mortgage product is, in itself, the same as any other mortgage. It’s the underwriting process beforehand that differs.

We use ‘contract-based underwriting’, which is often only available through an intermediary or broker. It’s inaccessible otherwise because lenders use specialist underwriters to work out non-standard income affordability. Using contract-based underwriting, these underwriters ‘annualise’ a contractor’s day rate. Using that gross figure as an equivalent salary, they then work out how much a contractor can borrow.

We can assist whether you have been contracting for 12 months or just starting your first contract. Be it a day rate contract, fixed term contract, rolling contract, we will ensure you achieve the mortgage ceiling your income deserves.

A High Net Worth Mortgage is a specialist mortgage tailored explicitly for the needs of High Net Worth clients.

While some High Net Worth Individuals (HNWIs) can qualify for the property finance they need through a high-street bank or lender, many of our clients struggle to secure finance at the highest levels through these mainstream channels, and their true total wealth and affordability aren’t taken into account with their applications.

As specialist mortgage brokers can connect high-value clients to suitable private lenders, as most private banks and lenders can’t be approached by clients directly. You require an introduction from a connected broker or another intermediary.

A private bank can then take a holistic view of your total wealth and broader financial situation and offer financial solutions that truly represent what you can afford to repay.

This often means that you can secure a mortgage at a higher loan to income ratio via a private bank (for example, six times your salary or even higher) and at a higher loan to value ratio due to particular high net worth exemptions.