VouchedFor top rated Adviser since 2016 as published in The Times
We build personal financial resilience for our clients
We provide Independent advice on all types of Mortgage Finance in both mainstream and specialist areas such as Complex Income Types, Fixed Term Contractors, Self Employed, Limited Company Directors, Investment Properties (Buy to Lets) for personal and SPV/Limited Company ownership, Ex-Pats and Older Borrowers.
Independent advice means that we have no restrictions when researching the market to obtain the most cost effective solution. We work for the client and the advice we provide has been tailored to their circumstances and requirements, ensuring they have the very best advice with access to market leading rates.
How we can help you
Mainstream Mortgages
- Purchase and Remortgage
- All employment types
- Income multiples of up to 5.5x
- Repayment, Interest Only or Split repayment
First Time Buyers
- No deposit Track Record Mortgage *subject to criteria
- Joint Borrower, Sole Proprietor
- First Homes England Scheme
- Forces Help to Buy
- Shared Ownership
- Right to Buy
Professional Mortgages
- Available to those in professional roles (Accountants, Barristers, Dentists, Engineers, Medical Doctors, Pharmacists, Solicitors, Teachers, Vets)
- Enhanced income multiples
- Exclusive Products
- Individual Assessment
Contractor Mortgages
- Fixed Term Contracts
- Umbrella Company
- Day Rate via Ltd Company
- Locum Professionals
- Supply Teachers
- CIS Contractors
- Zero Hours
Self-Employed Mortgages
- Sole Traders, Partnerships, LLP and Ltd Company Directors
- Minimum 1 year trading
- Borrowing can be based on latest years Accounts
- Borrowing based on Net Profit, Directors Salary and Dividends
Buy to Let
- Single Units & Multi Units
- Family Let, Professional Let, Student Let, HMOs (House of Multiple Occupation), Multi Let, Air BnB
- Individual & Portfolio Landlords
- Personal and Corporate Ownership structures
- UK Ex-Pat, Non Don and Foreign Nationals
- Light & Heavy Refurbishment products
High Net Worth
- Complex Income structures in the UK and Worldwide
- Asset based lending
- Lombard lending using Assets Under Management
- Bespoke lending solutions
- 100% lending with additional security
Ex-Pat & Foreign Nationals
- Purchase or Remortgage UK property if relocated
- Family Homes or Property Investment
- Foreign Currency Income
- Personal Name or SPV/Ltd Company lending
Equity Release/Lifetime Mortgage
- Purchase and Remortgage options
- Mortgage lending for those aged 55 and over
- No income required
- Lending can be serviced or interest rolled up
- Assessed on property and equity
Bridging Finance
- Monthly interest rates
- Terms from 6 months
- Residential & Commercial
- Refinance options
- Development, Refurb or Chain breaking solutions
- Uninhabitable properties
- Auction purchases
Commercial
- Property, Assets or Machinery based lending
- Business, Company or Personal lending
- Residential or Commercial Units
- Offices, Warehouses, Hotels, Care Homes and Professional Practices
- Land & Agricultural
- Cash flow lending
Wealth Protection Cover
- Life Cover
- Critical Illness Cover
- Income Protection
- Family Income Benefit
- Children’s Critical Illness Cover
- GP and support services included
Business Protection
- Tax efficient Life Cover for Directors and Employees
- Shareholder Cover
- Key Person Cover
- Business Loan Cover
- Income Protection Cover
