When it comes to accessing residential lending, the way people live their lives has changed significantly and the reality is that most people no longer fit the traditional mould.

This is where we, as specialist finance experts, step in. We understand that needs and wants have changed markedly, we appreciate that full time jobs for life, set career paths and guaranteed income are no longer assured; and we know that what clients expect from residential lending has dramatically altered.

Since 2006 we have kept a step ahead this changing market, consistently expanding an established network of forward-thinking lenders, brokers and intermediaries throughout the UK, to provide you and your clients with a switched on, well considered, service; intelligently tailored from start to finish to suit each individual case and fit for purpose for tomorrow’s world.

Specialist First Charge
Residential Mortgages

Property buying clients with extraordinary circumstances need extraordinary financial solutions. From first time buyers and existing homeowners to those who are 50+ or have endured credit challenges or recently become self-employed – we can help.

Second Charge Residential Mortgages

For property owners considering re-mortgaging, second charge residential mortgages may be a better long- and short-term solution. Our comparison exercise facilitated by our flexible lenders will allow your clients to make an informed choice.

First and Second
Charge BTL Mortgages

For new or existing landlords who may want to buy a property to let, add to their portfolio or re-mortgage but they do not meet high street lenders’ criteria. They may have poor credit history, live abroad or be looking to release equity through a second charge mortgage.

Bridging First and Second
Charge Mortgages

Suitable for clients needing finance to bridge a property chain gap, or for properties bought through auction or to pay for renovations before occupation. If your client needs a short-term bridging first or second charge mortgage secured against their current property – talk to us.


If your clients are 55+ established or retired homeowners interested in releasing equity from their existing property, we can help. Through our exclusive network of flexible lenders, we’ll find a package for them, even if they have little or no income or not eligible for a regular mortgage.


When property investors or developers need finance to fund residential development projects or change of use projects, or to convert properties from commercial to residential (especially if they have multiple development projects running in tandem), we can help.


We offer specialist financial solutions for clients interested in purchasing commercial property, such as retail or business premises, or warehouses. Whether they are beginning or adding to their commercial property portfolios or wishing to re-mortgage their existing property, enquire with us.


We advise any client taking out a mortgage product (and even those that don’t), to also take out a form of protection insurance. Our range of insurance products will protect your client’s loved ones and their asset should a range of eventualities arise, from injury to illness to death. Contact us.

Excellent consumer service

“Very prompt and thorough, Edward and Ryan were really helpful and understanding. Call handling was top notch. Gave us multiple options re: the repayments.”

Harsha Gopisetty

10/10 service. Excellent communication!

“Absolute brilliant turn around with particular mention to Calum & Karen. Who have both pulled out all the stops for me. I was kept up to date at each stage – communication 10/10. Clear professional advice. Thank you so much.”

Nicola Metcalfe

Professional service with excellent communication.

“Sarah and Ryan were great. The communication throughout the process was excellent and I was kept up to date with progress as it happened. Any questions I had were dealt with promptly and I always felt confident in their dealings with me and my application.”

Tony Marden

Brilliant communication and expertise

“Great team, helped me sort my finances out, big shout out to Calum and Karen.”

Trusted customer

Highly recommended

"Excellent, empathic and knowledgeable advice and guidance. They were able to offer an affordable solution in a timely manner and were professional from start to finish. Would highly recommend.”

Trusted Customer


What our clients say…

Our Partners

Since 2006, we have carefully developed extraordinarily close working relationships with a network of long-established, like-minded, forward-thinking, well-respected lenders located throughout the UK.

By cultivating board-level relationships with our lenders, we have exclusive access to competitive rates and products, enabling us to provide a suite of well-informed solutions to brokers, intermediaries and their clients.