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Residential Mortgages

Expert whole-of-market advice — from first steps on the property ladder to specialist cases the high street won't touch.

First Time Buyer

Navigate the property ladder with specialist support and expert guidance.

Switch lenders to secure better rates or release equity from your home.

Mortgages designed for council tenants purchasing their home at a discount.

Specialist underwriting for entrepreneurs, contractors and freelancers.

Shared Ownership

Part-buy, part-rent schemes that make home ownership accessible.

Lending solutions for CCJs, defaults, IVAs or a low credit score.

Foreign Nationals

UK mortgage options for non-citizens, visa holders and returning expats.

Debt Consolidation

Remortgage to consolidate debts and reduce your total monthly outgoings.

Buy to Let Mortgages

Expert landlord mortgage advice across the whole market

Across the whole mortgage market

Switch rate or release equity

Houses in multiple occupation

Limited Company

SPV & limited company landlords

Large portfolio mortgage strategy

BTL solutions for CCJs, defaults & low credit scores.

UK landlords living abroad

Foreign Nationals

Non-UK citizens investing in property

Bridging Loans

Short-term specialist finance, structured around a clear exit

Open Sourcing Tool

Bridging Explained

How bridging loans work

Bridging Loan Sourcing

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Auction Finance

Bridging for the 28-day auction deadline

Development Finance

Up to 100% of build costs, subject to security

Why Use Bridging?

10 reasons to consider a bridge

Typical UK rates & fees

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Specialist mortgage and bridging advice

Commercial Mortgages

When your bank says no, we find a way

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Commercial Mortgage

Up to 75% LTV across the market

Non Standard Cases

When your bank says no

Development Finance

Up to 100% of build costs, subject to security

Commercial Tips

Top 5 tips before you apply

Blog & Resources

Guides, news & market insight

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We place deals other brokers can't

Tools & Calculators

Free tools to plan your mortgage journey — no sign-up required

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Mortgage Affordability

Check your borrowing power across 90+ lenders

Bridging Loan Sourcing

Compare our panel of specialist bridging lenders

Online Mortgage Finder

Compare the whole mortgage market

Compare Mortgage Rates

Fixed, tracker & offset rates

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Why Niche Advice

Whole-of-market, FCA regulated

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Niche Advice Guide

Don’t Remortgage until you watch this!

Payam Azadi Director – Specialist Finance Expert · 1 min read

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AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS.

Think carefully before securing other debts against your home. Some Buy to let and commercial mortgages are not regulated by the Financial Conduct Authority.

Niche Advice Limited is a Credit Broker and does not lend money directly to clients.

Niche Advice Limited is authorised and regulated by the Financial Conduct Authority. FCA No: 750263. The Financial Conduct Authority does not regulate Commercial Buy to Lets.

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Independent UK specialist mortgage broker. Free initial review — your enquiry will not affect your credit file.

Whole of Market. FCA-regulated independent advice — specialist mortgage broking since 2008.
Specialists in complex cases. Self-employed, visa applicants, foreign nationals, adverse credit and bridging.
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Payam Azadi Director – Specialist Finance Expert

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About your mortgage

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Niche Advice Limited will use the details you provide to respond to your mortgage enquiry by phone, email or SMS. Submitting this form does not initiate a hard credit check or add you to marketing lists unless you separately opt in below. Niche Advice Limited is authorised and regulated by the Financial Conduct Authority (FRN 750263).

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Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. A small number of buy-to-let mortgages are FCA-regulated — typically Consumer Buy-to-Let (where the borrower is not acting in the course of a business, such as an accidental landlord who has inherited or moved out of a former main residence) and Family Buy-to-Let (where the property is let to an immediate family member). Limited-company buy-to-let, portfolio buy-to-let and standard personal-name buy-to-let are not regulated by the FCA.

Where the underlying mortgage is not FCA-regulated, the lender's conduct on that loan is not covered by FCA rules and you may have reduced access to the Financial Ombudsman Service for complaints about the lending decision or product terms. However, Niche Advice Limited is a Credit Broker authorised and regulated by the Financial Conduct Authority (FCA No: 750263), and our broking activity — including the introduction we make to the lender — IS FCA-regulated under the FCA's CONC rules. Complaints about our broking service can therefore be referred to the Financial Ombudsman Service in the usual way.

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