Residential, landlords & portfolios, new builds

As a whole of market mortgage broker, we deal with a range of lenders including specialist lenders who can help in cases where you may have issues that don’t allow you access to lending with your own bank. For example, a difficult credit history, if you are new to the country and a whole host of different employment scenarios. They can help you if you’re newly employed, and even if you only have a small deposit.

We encounter many circumstances where clients believe they are not able to get a mortgage, having been told so by their own bank, but we are able to help. Rather than speaking to your banks to find out whether you are eligible for a mortgage, you are better off speaking to advisers, like us, who are able to give you a broader perspective on the market.

Many of the high street lenders have difficulty dealing with self employed people due to outdated policies. As more people adopt limited companies based on tax advice, it helps to have lenders that understand full financial accounts behind you. We have access to those lenders and, in a lot of cases, it can help you get far larger mortgages than you would get from high street lenders, without requiring you to take larger dividends or salaries from your business which would create tax liability to you.

Further to our experience with the self employed, with ever-changing legislation with contractors, were able to deal with lenders who will give far more credit for income based on day-rates instead of net profit outcomes.

In short, not only do we help save you money, we can help you achieve your objectives in far more creative ways.