Mortgage & specialist finance brokers
A smarter approach to property finance
We place specialist finance direct with the lender rather than through a packager, so the case is underwritten on its own facts and nobody adds a margin for passing it along. If a case does not work we say so, and we say why.
- Directly authorised, so we answer to the regulator ourselves rather than sitting under someone else's permissions.
- Bridging, development and commercial enquiries reach our managing director the same working day.
- Offices in Mayfair and Beaconsfield, working with clients across London and the Home Counties.
- Client name — the applicant's full name, as it appears on the application.
- Lender — the bank or building society you applied to.
- Product — the mortgage or finance you asked for (for example, residential, buy to let, bridging).
- Why it was declined — a short note on the lender's reason, in your own words.
Your home may be repossessed if you do not keep up repayments on your mortgage.
A same day view
Specialist enquiries reach our managing director on the working day they arrive.
Placed direct
Cases go to the lender's own underwriters, not through a packager.
Directly authorised
We hold our own permissions and answer to the regulator ourselves.
Plainly put
If a case does not work we tell you, and we explain why.
Where to start
Residential & buy to let
Mortgages for homes and portfolios
Buying a first home, moving, refinancing at the end of a fixed rate, or building a rental portfolio in a limited company. The lending itself is ordinary; the reason it gets declined usually is not. We spend our time on affordability, income evidence and the property itself.
Mortgages
Short term & commercial
Specialist finance, placed direct
Bridging, development, commercial and semi-commercial lending, auction purchases and second charges. These lenders price on the strength of the case and the credibility of the exit, which is exactly why the presentation of it matters.
Specialist finance
Why specialist cases come here
Four things that change the outcome
No packager in the middle
Specialist cases go direct to the lender's own underwriters. Nothing is repriced by an intermediary, and when an underwriter has a question we answer it ourselves rather than passing a message down a chain.
Same working day answer
Bridging, development and commercial enquiries reach Nik Mair, our managing director, on the day they arrive. You get a view on whether it is fundable before you spend money on it.
Complications welcome
Unusual construction, adverse credit history, income from abroad, a lease problem, a valuation that came in low, a case declined elsewhere. These are the cases we are set up for.
Structured for the exit
Short term lending only works if the way out is credible. We test the exit before we place the case, because a bridge without an exit becomes an expensive problem.
How it works
What actually happens after you enquire
Most people hesitate because they do not know what they are starting. Here is the whole sequence, so there are no surprises.
Step One
A conversation, not a form
You tell us what you are trying to do and what is awkward about it. We ask about income, deposit, the property and the timescale, and we tell you plainly if we think it will not fly.
Step Two
We work out where it fits
We match the case to lenders whose criteria genuinely accommodate it, and where relevant we talk to an underwriter before submitting anything, so the answer is informed rather than hopeful.
Step Three
You see the options in writing
We set out the recommendation, the alternatives we considered, the costs involved and our fee. Nothing goes to a lender until you have read it and are comfortable.
Step Four
We hold the case together
Valuation, legals, conditions, chasing. Most cases fall over in the middle, not at the start, so this is where the work actually is. You get updates whether or not there is good news.
Everything we arrange
Find your situation
If you are not sure which of these describes you, that is fine — call us and we will work it out in a few minutes.
Mortgages
Mortgages overview- First-time buyerDeposit, affordability and the paperwork lenders actually want to see.Read more
- Home moverPorting, a new loan, or a chain that needs holding together.Read more
- RemortgageComing off a fixed rate, raising capital, or changing the term.Read more
- Buy to letPersonal name or limited company, single lets through to portfolios.Read more
- Buy to let remortgageRefinancing rental property where the rental calculation is tight.Read more
- Mortgage broker LondonHow we work with buyers and owners across the capital.Read more
Specialist finance
Specialist finance overview- Bridging loansShort term lending with a defined exit, placed direct with the lender.Read more
- Development financeGround up and heavy refurbishment, drawn down in stages.Read more
- Commercial mortgagesOwner occupied premises and commercial investment property.Read more
- Semi-commercialMixed use property where residential sits above trade.Read more
- Auction financeFunding arranged against an auction deadline you cannot move.Read more
- HMO mortgagesLicensing, room counts and the valuation basis lenders will use.Read more
- Second chargeRaising money behind an existing mortgage you want to keep.Read more
Complex cases
Complex cases overview- Non-standard constructionConcrete, prefabricated, single skin and other construction outside a lender's standard definition.Read more
- Japanese knotweedManagement plans, treatment guarantees and lender appetite.Read more
- Foreign nationalsVisa status, time in the UK and income earned abroad.Read more
- Islamic mortgagesSharia compliant home purchase plans and how they differ.Read more
- Police mortgagesShift allowance, unsocial hours and overtime, counted properly.Read more
Most buy to let mortgages are not regulated by the Financial Conduct Authority.
This type of lending is not usually regulated by the Financial Conduct Authority.
Client reviews
Reviews
Our reviews are pulled live from Trustpilot. We do not write our own testimonials — for a regulated firm, inventing client feedback is not acceptable. They appear here once you accept optional cookies. See all reviews
Our live Trustpilot reviews load here once you accept optional cookies. We never write our own testimonials — you can read the real ones directly on our Trustpilot profile.
Read our reviews on TrustpilotTalk to us
Two offices, one adviser on your case
Call, email, or send the form and we will come back to you. Office hours are 9am to 5:30pm, Monday to Friday.