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Residential Mortgages

Mortgage guidance — from first steps on the property ladder to more specialist circumstances.

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

Mortgage guidance for landlords and property investors

Buy-to-let mortgage deal information

Switch rate or release equity

Houses in multiple occupation

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SPV & limited company landlords

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BTL solutions for CCJs, defaults & low credit scores.

UK landlords living abroad

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Bridging Loans

Short-term specialist finance, structured around a clear exit

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Bridging Explained

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Auction Finance

Bridging for the 28-day auction deadline

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Funding for property development projects

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10 reasons to consider a bridge

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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

Finance for commercial property

Non Standard Cases

When your bank says no

Development Finance

Funding for property development projects

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Discuss a complex commercial case

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Mortgage Affordability

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Bridging Loan Sourcing

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Compare Two Mortgages

Compare illustrative costs side by side

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Property Development Finance 100% of Build Costs

100% of Build Costs On Day One Property Development Finance is not always stright forward, If you have had experience in obtaining development business you will have encountered phrases such as ‘lend against open market value’ and ‘based on a 90 … [Read more...] about Property Development Finance 100% of Build Costs

[box title="AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS." bg_color="#4c4c4c" icon="info-circle" icon_style="border" icon_shape="circle" align="center" text_color="#ffffff"][/box] If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay. 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 Number: 750263.

Commercial Buy-to-Let and commercial mortgages are not regulated by the Financial Conduct Authority.

HMO Mortgages: How They Work and What Lenders Look For

What this article covers Right — if you're looking at a house, picturing it carved up into individual rooms with separate tenants, and wondering why your usual mortgage broker has gone quiet on you, here's the thing about HMO mortgages: they sit in their own world. They're not standard buy to let with a bigger number on the end. The lender panel is different, the way the property gets valued is different, and the questions you'll get asked are different. We regularly advise on these cases, and borrowers can come unstuck when they assume an HMO would be financed like any other rental. It won't … [Read More...] about HMO Mortgages: How They Work and What Lenders Look For

HMO Mortgages: How They Work and What Lenders Look For

What this article covers Right — if you're looking at a house, picturing it carved up into individual rooms with separate tenants, and wondering why your usual mortgage broker has gone quiet on you, here's the thing about HMO mortgages: they sit in their own world. They're not standard buy to let with a bigger number on the end. The lender panel is different, the way the property gets valued is different, and the questions you'll get asked are different. We regularly advise on these cases, and borrowers can come unstuck when they assume an HMO would be financed like any other rental. It won't … [Read More...] about HMO Mortgages: How They Work and What Lenders Look For

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