Business Details
24 Years
experience
Expert Mortgage Brokers in Newcastle
Innovate Mortgages and Loans Mortgages and Loans has been operating since 2002, leveraging over 100 years of combined experience in the mortgage and loan industry. Our team of specialists works across the market to identify tailored financial solutions for clients, prioritising individual needs over generic recommendations. We collaborate with a diverse range of lenders, including high street banks, building societies, and specialist loan companies, to provide access to products unavailable through direct channels. Our services are regulated by the Financial Conduct Authority, ensuring adherence to rigorous standards. We offer transparent fee structures, with initial consultations free of charge, and specialise in complex cases such as adverse credit, self-employment, and buy-to-let mortgages.Our expertise extends to bridging loans, equity release, and second charge loans, with a focus on delivering exceptional customer service. We maintain a complaints process aligned with regulatory requirements and provide educational resources to help clients navigate the evolving mortgage landscape. Our commitment to ethical practices and client-centric solutions has earned us a reputation as trusted advisors in the UK financial services sector.
Services
Residential Mortgages
Buy-to-Let Mortgages
Bridging Loans
Second Charge Loans
Equity Release
Mortgage Broker Services
Adverse Credit Solutions
Self-Employed Mortgages
Protection Insurance
Financial Consultation
Details
- Year established: 2002
Highlights and features
- We have over 80 years combined experience in mortgage and loan solutions
- We operate across 1,000+ lenders including exclusive specialist providers
- Our FCA regulation ensures adherence to strict ethical and professional standards
- We offer transparent fee structures with free initial consultations
- We specialise in complex cases including adverse credit and self-employment
Associations and certifications
- Financial Conduct Authority
What people say
Expert guidance
Successful resolutions
Transparent advice
Knowledgeable staff
Tailored solutions
Services
Residential Mortgages
We specialise in residential mortgage solutions for first-time buyers, home movers, and remortgagers. Our expertise addresses complex scenarios like low deposits, interest-only terms, and non-standard properties. With access to exclusive lenders, we secure competitive rates tailored to individual financial circumstances.
Buy-to-Let Mortgages
Our buy-to-let specialists help property investors navigate tightened regulations and varying lender criteria. We support portfolios of all sizes, offering solutions for high-value properties, limited companies, and unconventional tenant arrangements through our network of specialist lenders.
Bridging Loans
We provide bridging finance for urgent property purchases, auctions, and development projects. Our lenders accommodate refurbishment needs and complex exit strategies, with flexible terms ranging from weeks to 12 months.
Second Charge Loans
Our second charge loan options start at 10,000, offering affordable alternatives to remortgaging. We partner with master brokers to secure competitive rates for debt consolidation, home improvements, and tax payments.
Equity Release
In partnership with Age Partnership, we offer FCA-regulated equity release solutions for homeowners over 55. Our lifetime mortgages and home reversion plans provide tax-free lump sums with no-negative equity guarantees.
Questions
Can you help if I've been declined by my bank?
Yes, we access specialist lenders with different criteria to high street banks, including options for adverse credit and non-standard income.
What mortgage fees do you charge?
Our fees range from £345 for standard residential mortgages to £495 for complex cases like adverse credit or buy-to-let arrangements.
Do you work with self-employed applicants?
Yes, we specialise in self-employed mortgages, accepting applications with less than three years' accounts or unconventional income structures.
How do you find competitive mortgage rates?
We work with 1,000+ lenders, including exclusive providers unavailable through direct applications, ensuring access to competitive market rates.
What protection options do you offer?
We provide life insurance, critical illness cover, income protection, and household insurance tailored to mortgage holders' needs.
How do I make a complaint?
Contact us directly via phone or written correspondence. If unresolved, you may refer complaints to the Financial Ombudsman Service.
Reviews (4)
Sean Coulson
Dec 29, 2021
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Positive:Professionalism,Responsiveness
Innovate came recommended to me and from the very first contact I knew that it was going to be seamless. Tony contacted me when he said he would every time and in my opinion found us the very best product that suited our needs. A pleasure to deal with and huge help to us.
Innovate came recommended to me and from the very first contact I knew that it was going to be seamless. Tony contacted me when he said he would every time and in my opinion found us the very best product that suited our needs. A pleasure to deal with and huge help to us.
Craig Hall
Dec 10, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Tony was a great help with getting our mortgage sorted. He was pro active and very responsive to emails. We were very happy with his service and would recommend his services.
Tony was a great help with getting our mortgage sorted. He was pro active and very responsive to emails. We were very happy with his service and would recommend his services.
Rui Chen
Nov 25, 2021
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We are so happy that we decided to go with Paul for our porting and Let to Buy mortgage switch this time, much easier to get things sorted. Paul responded our emails very quickly, top services! Highly recommend! Thank you!
Rebecca C.
Nov 23, 2021
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Positive:Professionalism,Responsiveness,Value
Absolutely excellent service. Friendly and professional. Managed to sort a mortgage for me when my current lender wouldn't lend more. I would highly recommend and would use again. Many thanks
Absolutely excellent service. Friendly and professional. Managed to sort a mortgage for me when my current lender wouldn't lend more. I would highly recommend and would use again. Many thanks
