Business Details
21 Years
experience
Expert Mortgage Brokers in Colchester | Advocate Finance
At Advocate Finance, we have been providing expert mortgage and property finance solutions since 2005. Our team of qualified advisers specialises in securing tailored financing for residential and commercial properties, including buy-to-let, HMOs, multi-unit blocks, and development projects. As an FCA-regulated firm and member of the National Association of Commercial Finance Brokers, we combine industry expertise with a commitment to impartial advice. With access to over 160 lenders, we offer competitive rates and flexible terms, even for complex cases. Our award-winning service prioritises transparency, with no upfront fees and a focus on long-term client relationships.We pride ourselves on overcoming financial obstacles, whether you're a first-time investor or managing a large portfolio. Our proven track record includes securing funding for challenging projects, from auction finance to heavy refurbishments. We operate nationwide across Great Britain, delivering personalised support to individuals and businesses alike. Our clients benefit from our deep market knowledge, rapid response times, and dedication to finding solutions where others may have failed. Recognised as 'Buy to Let Firm of the Year' finalists and multiple 'Finance Broker of the Year' winners, we continue to set industry standards in property finance excellence.
Services
Buy to Let Mortgages
Commercial Mortgages
Bridging Loans
Property Development Loans
Portfolio Financing
HMO Mortgages
Refurbishment Loans
Auction Finance
Semi-Commercial Mortgages
Large Loan Structuring
Details
- Year established: 2005
Highlights and features
- We offer access to 160+ lenders for competitive mortgage options
- Our team specialises in complex property finance cases
- We provide free financial assessments with no upfront fees
- Award-winning service recognised as 'Finance Broker of the Year'
- We deliver tailored solutions for both individual and portfolio investors
Associations and certifications
- National Association of Commercial Finance Brokers (NACFB)
- Financial Conduct Authority (FCA)
What people say
Excellent service
Knowledgeable team
Responsive communication
Complex cases resolved
Value for money
Services
Buy to Let Mortgages
Specialist financing solutions for residential investment properties. We provide competitive buy-to-let mortgages with tailored terms for both individual landlords and portfolio investors. Our expertise covers standard BTL properties, HMOs, and multi-unit blocks. We help clients maximise returns through strategic financing arrangements while ensuring compliance with regulatory requirements. Our service includes portfolio-wide assessments and optimised financing structures for property investors at all levels.
Commercial Mortgages
Tailored financing for commercial properties and trading businesses. We arrange mortgages for mixed-use properties, semi-commercial buildings, and business-operated premises. Our solutions cater to both owner-occupiers and investors seeking commercial property financing. We specialise in complex cases requiring specialist underwriting, including properties with unique characteristics or challenging financial profiles, ensuring appropriate funding structures for business property requirements.
Bridging Loans
Flexible short-term financing solutions for property transactions. We provide bridging loans with terms from 1-36 months for residential and commercial properties, including auction purchases and development projects. Our solutions support borrowers requiring rapid funding for time-sensitive opportunities, with loan-to-value ratios up to 85% for light refurbishments and 100% funding options available for specific development scenarios across Great Britain.
Property Development Loans
Comprehensive financing for property development projects. We arrange funding for new builds, heavy refurbishments, and property conversions to residential or commercial use. Our development loans cover land acquisition costs and construction expenses, supporting both experienced developers and first-time applicants. We structure finance packages that align with project timelines and cashflow requirements, including phased drawdown arrangements for larger development schemes.
Portfolio Financing
Specialist financing solutions for property portfolio owners. We provide tailored mortgage arrangements for investors with multiple properties, offering cross-collateralisation options and portfolio-wide assessments. Our expertise includes financing for large-scale property holdings, with flexible terms that accommodate diverse property types and tenancy structures. We help investors optimise their financing arrangements while maintaining compliance with evolving regulatory requirements for portfolio lenders.
People
David Tonks
Director
With over 15 years' experience in property finance, David leads our advisory team. He specialises in complex mortgage solutions and has secured funding for numerous challenging projects. David maintains strong lender relationships that benefit our clients.
Megan Parkin
Senior Property Finance Adviser
Megan has helped hundreds of clients with property financing since joining in 2015. She specialises in portfolio mortgages and complex case resolution, known for her exceptional client service and market knowledge.
Henry Barley
Senior Property Finance Adviser
Henry brings extensive experience in commercial mortgages and bridging finance. He has successfully arranged funding for numerous high-value property transactions across the UK property market.
Emily Kerr
Property Finance Adviser
Emily provides expert advice on residential investment mortgages. She works closely with clients to understand their specific requirements and deliver tailored financing solutions.
Questions
What types of mortgages do you specialise in?
We specialise in buy-to-let mortgages, commercial mortgages, HMO financing, property development loans, and portfolio financing solutions across Great Britain.
Can you help with complex property finance cases?
Yes, we excel at complex cases including auction finance, heavy refurbishments, and structured lending solutions where other brokers may have declined assistance.
Do you charge upfront fees?
No, we operate a no upfront fee policy with all costs agreed transparently before proceeding with your mortgage application.
How quickly can you arrange property financing?
Bridging loans can be arranged in as little as 1 week, while standard mortgage completions typically take 6-12 weeks depending on complexity.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) with registration number 592830.
Reviews (5)
Rod Turner
Jan 09, 2022
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Excellent service from David and the team on a complex purchase where he went above and beyond in liasing with all parties to ensure the lender was comfortable whilst giving us a good product
Daniel Morehen
Jan 07, 2022
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Great service from the Advocate team namely Henry who we have been dealing with for a number of months. We've explored options for HMOs, BTLs and bridge options and always get a variety of options. Always receive prompt and detailed responses and alternative options we may not have considered ourselves which is what we want from a broker in this field. Great service all round and saves us the time and effort of searching for mortgage and finance options. We've now completed on 4 products with Advocate and will be using them going forward
Ian Mcbain
Nov 15, 2021
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Ive been a client of Advocate Finance for a few years now. Their service is first class. The great thing is they always have solutions to most or all of your challenges. They understand your requirements fully and that why Ive absolutely no problem recommending their services to others and I do this regularly. If you need to get THE brokers to fulfil your lending potential then look no further. David, Henry, Rochelle, Megan, Ollie, thanks again for all your help
Fiona Taylor
Sep 24, 2021
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Advocate Finance were recommended to me for finance advice in regards to starting on my property journey. Megan from the outset was easy to approach and extremely helpful. With her help I have just completed on my first buy to let property. This is hopefully the start of along and rewarding relationship.
Saviour Udo
Sep 17, 2021
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