Company Directors & Shareholders
Those struggling with Dividend income or no historic accounts
Self employed individuals / Partners
Equity Release Mortgages
First Time buyers and Government help to buy schemes
Buy to let Schemes for individuals and Companies
Capital Raising/ Second charge loans
Holiday home finance
If you need personal no nonsense advice, then you've found the right place. We are straight talking independent advisers that relish a challenge. If you think; or have been told that you can't get a mortgage call us. We have years of experience both placing mortgage business with lenders and as underwriters for lenders. If it can be done, we can do it
We are a firm of independent mortgage and financial advisers with a vast experience in all areas of the property market. We have fantastic relationships with Lenders, Lawyers, and even dare we say it Estate Agents but above all else, our clients. Many of them have become very wealthy indeed during the years they have been associated with us.
We are genuinely independent mortgage brokers and financial advisers. We are not restricted at all in terms of the lenders or providers we can offer our clients. ( Some "Whole of Market" Advisers work from restricted panels of providers). We are directly authorised in the UK by the Financial Conduct Authority (605462)
There are hundreds of lenders and thousands of mortgage products and a myriad of charges that change almost daily. Our advice will be tailored to your needs and not those of the lender. We work for you, not them!
We will "hold your hand" through the entire process and liaise with the lenders, estate agents and solicitors professionally on your behalf.
To get the best idea of available deals or monthly costs please get in touch. The best deal available today could well be withdrawn tomorrow and we will personalise our illustrations to your specific circumstances.
We're based in St Albans in Hertfordshire but can arrange mortgages anywhere in the UK. We're happy to meet our clients by appointment at our offices or indeed their homes or offices in London and surrounding areas. If you prefer; most initial consulatations can take place over the phone.
I am paid in dividends from my own company, I've been told by my bank that I cant get the mortgage I need because my income is not guaranteed like a regular salary. Can you help?
Yes, often we can! Accountants often recommend this course of action to reduce or mitigate tax liabilities but this then can have a negative impact on your borrowing capacity. Call and speak to us, are knowledge is geared towards helping people in this or similar situations.
I've heard that it is possible to borrow up to 6 times my income, is that true?
Sometimes but not often. Years ago lenders often had simple formulas for lending, Typically 3 or 4 times income. Nowadays with interest rates much lower lenders have more flexibility and use different affordability models to determine how much you can borrow depending on your available deposit, income and your existing credit commitments. Give us a call and we'll run you through the likely loan amounts you could borrow without the need for a credit search!