A wide variety of clients find that the service offered by an independent, experienced mortgage broker is well worth the professional fee for the value of a mortgage arranged faster, on more favourable terms, or at a lower rate than they would have been able to find for themselves.
- A bank or building society can only advise on their mortgage products.
- An independent broker is required to look at the range of products available across the whole of lending market which might suit your needs.
How a mortgage broker adds value
- In addition to comparing the products offered by high street lenders, we can access private lenders not available to walk-up clients.
- Our duty of care towards our clients means that we have to be able to justify any recommendations that we make to you.
- Our experience means that we will consider various scenarios you may not have anticipated, and we will look for the flexibility in mortgage terms that may be vital to you.
Finding solutions for individual situations
Our clients are by no means all high-net earners with offshore holding companies.
But clients who have borrowing needs outside the tick-box find that the bespoke, one-to-one service offered by a specialist mortgage advisor is particularly valuable.
- Are you hoping to use assets in addition to your earnings to leverage higher borrowing or an advantageous rate?
- Do you have a small deposit but high earnings potential?
- Are you looking for mortgage finance that can accommodate irregular, “lumpy” income?
- Do you need finance to buy an unusual type of property that lenders are cautious about, an investment property, or to pay for renovations?
- Or do you want to remortgage and access some of the value in the property you already own?
High-value mortgages
High net-worth borrowers might expect that the size of their income stream or the value of their portfolio holdings would mean that willing lenders will queue up to offer them deals at highly competitive rates.
The opposite is often true. If, along with your substantial earnings, you’re also looking to buy a high-value property, the conservatism of traditional lenders may be revealed.
Many prefer to spread their risk over a number of lower-priced properties that will easily find buyers in any market than to provide finance on a single million-pound-plus prestige property.
We can introduce you to private banks and specialist lenders who take a case-by-case approach to underwriting decisions.
They can also look more favourably on clients with complex sources of income, as well as city employees, senior partners and equity holders with “lumpy” bonus-related income.
See our blog:
How to get a large mortgage with multiple income sources
Mortgages for professionals
Professional clients such as doctors, lawyers, veterinarians and accountants are time-poor and may be comparatively modestly paid early in their careers.
But your structured career prospects mean we can leverage your future earnings to get you more advantageous property lending.
Read our blogs:
How to get a professional mortgage
Mortgages for contract employees and freelancers
The opposite problem applies to individuals working on a contract basis: they may have high earnings now, but their career progression and future earnings can look uncertain.
An experienced broker will take your mortgage application to the lender who will consider it most favourably and present your earnings and experience in a context that gives them confidence.
Read our blog:
Mortgages for contract employees
Mortgages for investment property buyers
We can source the best rates on mortgage finance for investors looking to do up and rent out residential properties:
How to get a renovation mortgageOur renovation mortgage calculator
Or you may be buying a property already suitable for the rental market, including larger properties such as Houses in Multiple Occupation (HMOs), Large Houses in Multiple Occupation (LHMOs) (with five or more tenants in two or more households) and multi-unit properties (a number of self-contained flats in the same building).
Finance for buy to let landlords
Mortgages for multi-unit properties
Remortgaging and accessing the value in your property
Many property owners who come to us are looking to remortgage onto better lending rates:
Remortgage a London home to a new lender
Can I borrow more on my mortgage
Or you may want to take advantage of the equity you’ve built up in your property to release capital you can use for other purposes:
Remortgaging to raise a deposit to buy a second property
How to get second charge mortgage
Equity release: how to get money out of your home in retirement
Alternatively, you may be looking for new mortgage finance when you’re nearing retirement age or already retired. We can find you a lender:
