About Us

Are you having problems getting a mortgage? Have you been refused credit elsewhere? Are you unable to keep up high payments on your mortgage, loans and credit cards? We are there to help and consider all kinds of circumstances. We can provide you the best advice suitable to your needs and requirements. Whatever your circumstances are, we will try to help you find a suitable mortgage. We can also visit you at home or work at your convenience.

We cater for all kind of mortgages:

Remortgage - You may already have a mortgage. We have access to a wide range of products so we can research the market to see if we can find a suitable mortgage with a lower interest rate than your current mortgage. This may help you save money on your monthly payments.

First Time Buyer - Finding your ideal home and then looking for perfect mortgages can be a complicated process. Let us help. We may be able to find you a suitable mortgage even if you are employed or self employed*, don't have proof of income*, need higher income multiples or need a higher loan to value mortgage. Some mortgages are based on affordability rather than income multiples.

Self Employed* - Started new business, don't have yearly accounts or an accountant, can't prove income, have different sources of income? We may be able to help. True Non-status and self-certification mortgages are available where no income references are required at all. It is very important to note that if you make false declarations and/or inflate your income on a mortgage application form you may not be able to afford your mortgage repayments. You may also face criminal prosecution for mortgage fraud. All applications will be subject to a feasibility assessment.

Adverse Credit** - County Court Judgements, default, mortgage arrears - we may be able to help.

Right to Buy *** - Have you got your right to buy? Don't miss this golden opportunity. We have lenders who will consider different types of properties, including flats, maisonettes, properties in tower blocks and concrete built. You may also be able to raise extra money for home improvements.

Investments - Buy to Let and Let to Buy. Purchasing second or third property to rent out? We have access to Buy to Let mortgage products which are based on rental income rather than your personal income. We can also arrange Commercial mortgages.

Secured Loans - Do not want to consider a re-mortgage? Ask us for our secured loan service.

Insurance - We have access to a panel of insurers and can arrange life insurance, building & contents insurance and mortgage payment protection insurance

Buy to Let mortgages, Commercial mortgages and Secured Loans are not regulated by the Financial Services Authority.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

*Self Employed / No Proof of Income - The overall cost for comparison is 8.1% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

**Adverse Credit / Poor Credit History - The overall cost for comparison is 9.3% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.


***Right to Buy - The overall cost for comparison is 7.9% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.