Whether you are looking to buy a new property, save money on your existing loan products or searching for alternatives that better suit your needs, we are here to help. As a brokerage we operate across the market and have more than 80 years combined experience in arranging financial solutions for our clients.
We will always look to recommend products which meet your individual circumstances (we will never suggest a financial product or solution that doesn't suit your personal circumstances) and strive to deliver outstanding customer service. Our experience allows us to assess your needs and research the market to match the best financial solution for your budget and obtain the most suitable product choice for your circumstances.
We will always look to recommend products which meet your individual circumstances (we will never suggest a financial product or solution that doesn't suit your personal circumstances) and strive to deliver outstanding customer service. Our experience allows us to assess your needs and research the market to match the best financial solution for your budget and obtain the most suitable product choice for your circumstances.
Services
About Us
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Whilst Innovate Mortgage and Loans is a new name in the finance market place, Innovation Financial Management Ltd has been trading since 2002 and our team has over 90 years' experience in the world of mortgages and loans. We have helped 1,000's of customers and know more than is healthy about mortgages and loans industry.
Residential Mortgages
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The mortgage market has become increasingly automated in recent years, and alongside recent changes to regulation this has resulted in a "computer says no" position, leading to disappointment for many otherwise low risk borrowers. Lenders interpretations of regulations can differ hugely but it is still possible to obtain a positive answer for most borrowers when buying a new home or looking to re-mortgage.
Self Employed
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The self-employed mortgage market is potentially the most complex of all areas we deal with when arranging mortgage finance. Number of years trading - some lenders will consider an application with just a single year of accounts. Income used for Limited Company Shareholders - whilst most lenders allow salary plus dividends, a few consider salary plus share of net profit.
Professional Mortgages
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Anyone who is employed in certain specific sectors, such as a doctor, dentist, solicitor, barrister, accountant or vet, may be eligible for a Professional Mortgage. These types of loans are only offered by a small number of bank/building societies, but they can help people employed in these professions to obtain better terms than might normally be envisaged, for example a better interest rate or perhaps more borrowing.
Declined/Adverse Credit Mortgages
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If you have been turned down by your bank or building society due to previous credit problems, don't despair, all is not lost! The mortgage market has grown in recent years to help more and more people and not just those with a clean credit file. Interest rates are inevitably higher but still within range for most people.
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