Business Details
Trusted Mortgage Brokers in Swindon for Bad Credit & Buy-to-Let Solutions
A Mortgage 4 You is a specialist mortgage brokerage with over 40 years of combined experience in financial services. We focus on providing tailored mortgage solutions for clients with adverse credit histories, including discharged bankrupts, and those seeking buy-to-let or commercial mortgages. Our team utilises a sophisticated sourcing system to access a wide range of lenders, ensuring competitive terms and flexible criteria.We prioritise transparency, offering honest advice and comprehensive support throughout the mortgage process. With a deep understanding of niche markets, we help clients navigate complex lending landscapes, stress-testing portfolios and rental incomes to secure optimal outcomes. Our commitment to client satisfaction is reflected in our long-term lender relationships and dedication to resolving challenges efficiently.
Services
Bad Credit Mortgages
Buy to Let Mortgages
Commercial Mortgages
Bridging Loans
Fixed Rate Mortgages
Help to Buy Equity Loans
Highlights and features
- We have over 40 years of combined experience in financial services and niche mortgage markets.
- Our team accesses specialist lenders for bad credit, buy-to-let, and commercial mortgages.
- We provide transparent, no-obligation advice tailored to complex financial situations.
- We stress-test rental incomes and portfolios to secure competitive lending terms.
- Our relationships with challenger banks ensure access to flexible, market-leading products.
Associations and certifications
- Financial Conduct Authority
What people say
Fantastic service
Kept updated
Lovely gift
Resolved challenges
Competitive terms
Services
Bad Credit Mortgages
We specialise in mortgages for clients with poor credit histories, including CCJs, IVAs, and discharged bankruptcies. Our access to niche lenders allows us to secure competitive rates, with LTVs up to 95% depending on circumstances. Our team guides clients through credit file analysis and lender selection to maximise approval chances.
Buy to Let Mortgages
Tailored solutions for landlords seeking portfolios, HMOs, or holiday lets. We stress-test rental incomes against lender criteria and advise on tax-efficient structures via SPVs. Our expertise includes portfolio borrowing and stress-testing strategies to ensure long-term viability in changing markets.
Commercial Mortgages
Finance for commercial premises purchases or investments, with LTVs up to 75% for owner-occupiers. We assist with affordability assessments, business plans, and securing terms from 340 years. Our brokers negotiate competitive rates for both new ventures and portfolio refinancing.
Bridging Loans
Flexible bridging loans up to 100m for property transactions requiring rapid completion. We connect clients with lenders offering terms from 124 months, ideal for auction purchases or development projects needing interim funding before long-term finance is secured.
Help to Buy Equity Loan
Assistance for first-time buyers purchasing new-build homes with 5% deposits. We facilitate 20% equity loans (40% in London) from the government, reducing lender risk and enabling 75% LTV mortgages. Our team ensures compliance with eligibility criteria and manages application logistics.
People
Michael J Alexander
Director
With decades of mortgage industry experience, Michael specialises in complex cases, including adverse credit and portfolio financing. He leads client consultations and leverages lender relationships to secure bespoke solutions.
Questions
Can I get a mortgage with a poor credit history?
Yes, we specialise in adverse credit cases, including CCJs, IVAs, and discharged bankruptcies, with access to niche lenders.
What buy-to-let options exist for portfolio landlords?
We arrange mortgages for HMOs, holiday lets, and SPV portfolios, stress-testing rental incomes to meet lender criteria.
How much can I borrow for a commercial property?
Up to 75% LTV for owner-occupiers; investment mortgages depend on rental income stress tests and collateral value.
Do you charge additional fees beyond lender costs?
We disclose all fees upfront, including a £497 advice fee and brokerage charges tied to loan size.
Can I remortgage a property with bad credit?
Yes, we work with lenders accepting historical credit issues, focusing on equity and repayment capacity.
