Business Details
32 Years
experience
Specialist Property Mortgage Solutions
Established over 29 years ago, Mortgage Cafe has built a reputation as a trusted independent mortgage broker specialising in buy-to-let, HMO, and commercial property financing. Our team of experts works with a comprehensive panel of over 50 lenders, including major high-street banks and specialist institutions, to secure competitive mortgage solutions tailored to individual client needs. With extensive experience in residential and commercial property finance, we provide bespoke advice on HMO conversions, property refurbishment, and bridging loans.Our innovative online case management system ensures efficient conveyancing services, while our portfolio remortgage options offer flexibility for property investors. We pride ourselves on delivering personalised service through a combination of market-leading expertise and cutting-edge digital tools, supporting clients from initial enquiry through to successful completion.
Services
HMO Mortgages
Buy-to-Let Mortgages
Bridging Loans
Property Refurbishment Finance
Commercial Mortgages
Development Funding
Second Charge Loans
Portfolio Mortgages
Expat Mortgages
Adverse Credit Mortgages
Details
- Year established: 1994
Highlights and features
- 29 years of specialist mortgage market expertise
- Access to over 50 lenders including niche specialists
- Tailored HMO and buy-to-let financing solutions
- Comprehensive property refurbishment funding options
- Innovative online mortgage comparison and application tools
Associations and certifications
- Chartered Institute of Mortgage Advisers
What people say
Expert HMO guidance
Competitive rates
Quick bridging solutions
Experienced team
Wide product range
Services
HMO Mortgages
Specialist financing for houses of multiple occupation with options for licensed and unlicensed properties. We offer competitive rates for 5+ room HMOs, student accommodations, and converted properties. Our expertise covers regulatory requirements and maximum loan-to-value ratios up to 75% for experienced landlords seeking to expand their property portfolios.
Bridging Loans
Fast-secured financing solutions for property transactions requiring immediate funding. Available for durations from 1 day to 24 months with flexible underwriting. Ideal for auction purchases, chain breaking, and property development projects. Loan sizes start from 25,000 with interest rates from 0.49% per month.
Refurbishment Finance
Tailored funding for residential property improvements across three tiers: light, medium, and heavy refurbishment. Loans available from 30k to 15m with LTV up to 85% post-renovation. Supports structural changes, planning gain conversions, and HMO transformations with interest roll-up options.
Buy-to-Let Mortgages
Comprehensive mortgage solutions for residential investment properties with access to 1,400+ products from 41 lenders. Options available for first-time landlords, portfolio investors, and limited company structures. Competitive rates from 1.49% with flexible income verification options.
Commercial Mortgages
Specialist financing for commercial properties including retail premises, office buildings, and mixed-use developments. Solutions for both owner-occupiers and investors with access to lenders offering portfolio financing and development funding options across England and Wales.
Questions
What types of mortgages do you specialise in?
We specialise in buy-to-let, HMO, commercial, and property refurbishment mortgages with access to over 1,400 products from 41 lenders.
Can I get a mortgage for a property needing renovation?
Yes, we offer light, medium, and heavy refurbishment finance with loan-to-values up to 85% post-renovation and interest roll-up options.
Do you work with first-time property investors?
Yes, we provide guidance for first-time landlords with competitive rates starting at 1.74% for buy-to-let mortgages.
Are there financing options for large HMOs?
We offer specialist financing for HMOs with up to 20 rooms, including portfolio financing and commercial lending options.
How quickly can you arrange bridging finance?
Bridging loans can be arranged within 7 days with funds available for durations from 1 day to 24 months.
Do you offer online mortgage application services?
Yes, our interactive online forms support applications for all mortgage types with same-day initial assessments.
