Mortgage Services

Expert Mortgage Advice for Every Situation

From straightforward first-time buyer applications to complex adverse credit, contractor and self-employed cases. We search the whole market to find the right mortgage for you. Based in Uxbridge, serving the UK.

FCA Regulated
Extensive Lender Panel
Based in Uxbridge
UK Wide Coverage
24hr Response
5★ Reviews

Our Mortgage Services

Whatever your situation, we have access to the right lenders and products. Click any service below to learn more.

First Time Buyers

95% mortgages, gifted deposits, parental guarantees and 100% options where suitable. Get on the ladder with expert guidance.

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Buy to Let

Up to 85% LTV, limited company, HMOs, portfolio landlords, holiday lets, expat and foreign national cases.

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Let to Buy

Keep your current home as a rental and buy a new property. We coordinate both mortgage applications seamlessly.

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Adverse Credit

CCJs, defaults, IVAs, debt management plans and discharged bankrupts, specialist lending for complex credit histories.

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Secured Loans

Borrow against your property without disturbing your existing mortgage. Up to 90% LTV, adverse credit considered.

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Contractor Mortgages

Day-rate based lending for IT, engineering and specialist contractors. No accounts needed in some cases.

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CIS Worker Mortgages

Gross CIS income assessed by specialist lenders who understand construction industry subcontractors.

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Self Employed

Sole traders, limited company directors, salary plus dividends, declining profits, specialist self-employed advice.

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Declining Profits

Specialist lenders who look beyond declining profit figures for self-employed borrowers.

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Net Profit Lending

Lending based on latest year net profit, no need for multiple years of accounts.

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Salary Plus Dividends

Maximise borrowing using salary, dividends and share of net profit.

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Remortgages

Save money, raise capital or switch to a better deal. We search the whole market for the most competitive remortgage.

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Home Mover Mortgages

Upsizing, downsizing or relocating. We handle porting, new applications and chain management.

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Right to Buy

Purchase your council or housing association property at a discount. Use your discount as a deposit.

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Shared Ownership

Buy a 25–75% share of a property and pay rent on the rest. Specialist lenders and schemes available.

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Guarantor / Family Support

100% mortgages with parental security, JBSP arrangements and family deposit schemes.

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Large Loan Mortgages

Private bank and specialist lending for high-value properties and borrowing above £500,000.

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Expat / Overseas Support

UK mortgage advice for British expats and overseas residents. Purchase or remortgage from abroad.

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Get Expert Mortgage Advice

Whether your case is straightforward or complex, our experienced advisers will search the whole market to find the right mortgage for you. Free, no-obligation consultation.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Get Your Free Quote

Tell us about your situation and we'll be in touch.

No obligation • Initial consultation at our expense • Response within 24 hours

Frequently Asked Questions

What types of mortgage do you arrange?
We arrange every type of residential mortgage: from straightforward first-time buyer applications to complex adverse credit, contractor, CIS worker, self-employed, guarantor, large loan and expat cases. We search the whole market including specialist lenders.
Do I need a large deposit?
Not necessarily. We have access to 95% LTV mortgages requiring just a 5% deposit, and in some cases 100% mortgages with guarantor or family support. We'll discuss the options available based on your circumstances.
Can you help if I've been declined elsewhere?
Yes, this is one of our specialities. We regularly help clients who have been declined by high street lenders or other brokers. Our access to specialist lenders and deep market knowledge often means we can find a solution.
How much does your advice cost?
Our initial consultation is completely free with no obligation. We'll discuss any fees transparently before any work begins. In many cases, our fee is more than offset by the savings we find you.
How long does a mortgage application take?
A straightforward application typically takes 4–6 weeks from application to offer. Complex cases may take longer. We work hard to expedite the process and keep you informed at every stage.
Are you based in Uxbridge only?
We're based at Chess House on Uxbridge Road, Hillingdon, but we serve clients across the entire UK. Many of our appointments are conducted by phone or video call for convenience.

Ready to Get Started?

Speak with one of our expert advisers today, initial consultation at our expense, and without obligation.