Business Details
Specialist Mortgage Brokers in London
We are specialist mortgage brokers with over a decade of experience in the UK market. Our expertise spans residential mortgages for first-time buyers and remortgagors, buy-to-let investments, adverse credit scenarios, and complex specialist lending solutions. We operate as an independent, whole-of-market brokerage, ensuring clients access the best deals tailored to their unique circumstances. Our team combines deep industry knowledge with a commitment to transparency, offering impartial advice without obligation.We pride ourselves on navigating complex lending criteria, including non-standard construction, limited company borrowing, and portfolio landlord requirements, while maintaining authorisation and regulation by the Financial Conduct Authority.
Services
Residential Mortgages
Buy to Let Mortgages
Adverse Credit Mortgages
Specialist Mortgages
Bridging Finance
Portfolio Landlord Mortgages
Limited Company Mortgages
HMO Mortgages
Commercial Mortgages
Auction Finance
Highlights and features
- We offer whole-of-market mortgage access for optimal deals
- We have over a decade of specialist mortgage brokering experience
- We provide transparent advice with no obligation commitments
- We specialise in complex lending scenarios including adverse credit
- Our FCA authorisation ensures regulatory compliance and client protection
Associations and certifications
- Financial Conduct Authority
Services
Residential Mortgages
We provide tailored residential mortgage solutions for first-time buyers and homeowners seeking remortgages. Our expertise covers standard residential properties through government schemes and complex scenarios requiring specialist lending. With access to the entire market, we help clients secure competitive rates while navigating eligibility criteria for both new purchases and refinancing opportunities.
Buy to Let Mortgages
Our buy-to-let mortgage services cater to property investors seeking portfolio growth. We specialise in standard and complex investment scenarios including portfolio landlord mortgages, corporate lettings, and non-standard properties. Our team helps clients navigate stress testing requirements, tax implications, and portfolio management strategies to maximise investment returns while maintaining regulatory compliance.
Adverse Credit Mortgages
We offer specialist mortgage solutions for clients with imperfect credit histories. Our services address various adverse credit scenarios including late payments, CCJs, IVAs, and bankruptcy. Through our whole-of-market approach, we connect clients with lenders willing to consider mitigating circumstances while providing transparent advice about realistic lending options and credit improvement strategies.
Specialist Mortgages
Our specialist mortgage division handles non-standard lending requirements including limited company borrowing, HMO financing, and commercial property mortgages. We assist clients with unique income structures, portfolio management, and development finance needs. Our expertise extends to auction finance, bridging loans, and non-standard construction properties requiring specialist underwriting considerations.
Bridging Finance
We provide bridging finance solutions for clients requiring temporary funding between property transactions. Our services support property purchases requiring quick completion, auction acquisitions, and development projects needing interim financing. We connect clients with lenders offering competitive rates for both regulated and unregulated bridging loans while ensuring clear exit strategy requirements are met.
Questions
What mortgage types do you specialise in?
We specialise in residential, buy-to-let, adverse credit, specialist commercial, and portfolio landlord mortgages. Our expertise includes complex scenarios like limited company borrowing, HMO financing, and non-standard construction properties.
How do you differ from high street banks?
As whole-of-market brokers, we access exclusive deals unavailable through high street banks. Our specialist knowledge covers niche markets like auction finance, bridging loans, and complex adverse credit scenarios requiring tailored underwriting approaches.
Can you help with bad credit mortgages?
Yes, we specialise in adverse credit mortgages for clients with CCJs, IVAs, or bankruptcy histories. We work with lenders who consider mitigating circumstances and provide transparent advice about realistic lending options.
Do you offer portfolio mortgage solutions?
Yes, we provide portfolio mortgage solutions for landlords with four or more properties. Our services include stress testing assistance, tax-efficient structuring through SPVs, and portfolio-wide financing options.
How does your insurance integration work?
We integrate buildings and contents insurance through Uinsure, providing Defacto 5-star rated coverage. Our system automatically generates tailored quotes during mortgage applications, ensuring coverage aligns with purchase timelines.
Reviews (3)
D. Walkden
Oct 09, 2015
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I've used other advisers in the past and been caught out by excessive charges - essentially being ripped off! By comparison, the service that I received from Stuart Phillips on my recent Buy-to-Let Mortgage was excellent. He really knows his stuff and was always very helpful, communicative and expertly guided me through the whole process. I would have no hesitation in recommending him to friends and family and will definitely use him again.
Sandie Humphrey
Dec 30, 2014
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I would recommend Stuart as he is easy to talk to and he explains mortgages in simple terms, give him a call as he is always keen to help.
Heather Hj Gordon-Swait
Jul 10, 2014
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We Contacted Stuart for advice on a difficult mortgage situation and he was very helpful and knowledgeable with where we should look and which companies would be best suited to our requirements and mortgage needs. We would use him again in the future, as and when the need arose.
