Business Details
28 Years
experience
Expert Mortgage Brokers in Norwich
N M Finance is a long-standing, forward-thinking independent mortgage broker with over 20 years of experience in the property finance sector. We specialise in providing tailored mortgage solutions for first-time buyers, landlords, developers, and individuals seeking property development finance. Our team of experts works closely with clients to secure competitive rates through relationships with over 100 lenders, ensuring we deliver the best possible outcomes. We pride ourselves on our first-hand experience in property finance, including buy-to-let, bridging finance, and equity release, enabling us to offer informed, practical advice.As a directly authorised FCA-regulated broker, we maintain the highest standards of professionalism and client care, prioritising lifetime relationships and transparent communication. Our commitment to excellence has resulted in over 2.65 billion in finance arranged over the past 25 years, with 65% of our clients remaining with us long-term. We operate from offices in Norwich and London, serving clients nationwide while maintaining a personal, client-focused approach.
Services
Mortgages
Development Finance
Bridging Finance
Equity Release
Commercial Mortgages
Details
- Year established: 1998
Highlights and features
- We have over 20 years of experience in property finance
- We offer whole-of-market mortgage solutions
- Our team has first-hand experience in property development
- We are directly authorised by the Financial Conduct Authority
- We maintain lifetime relationships with 65% of our clients
Associations and certifications
- Financial Conduct Authority
- Equity Release Council
What people say
Amazing broker
Super helpful
Seamless process
Highly recommend
Saved considerable money
Services
Mortgages
We provide comprehensive mortgage solutions for first-time buyers, home movers, and landlords. Our services include fixed-rate, variable-rate, and interest-only mortgages tailored to individual financial circumstances. With access to over 100 lenders, we secure competitive rates while offering expert guidance through the application process. Our FCA-regulated advice ensures compliance and client protection throughout the mortgage journey.
Development Finance
Specialist funding for residential and commercial property developments. We arrange finance for single-unit renovations, large-scale developments, and ground-up construction projects. Our expertise includes bridging loans and mezzanine finance to address funding gaps. We work with developers to structure finance packages that maximise returns while mitigating risks through careful lender selection.
Bridging Finance
Fast-track financing solutions for property purchases requiring quick completion. Our bridging loans facilitate auction purchases, chain breaks, and development opportunities. We offer regulated and unregulated options with flexible terms. Our industry relationships enable rapid approval processes to meet tight deadlines for time-sensitive transactions.
Equity Release
Tailored solutions for homeowners aged 55+ to unlock property equity. We provide lifetime mortgages with flexible drawdown options and voluntary repayment schemes. As Equity Release Council members, we ensure transparent advice about inheritance implications. Our FCA-regulated brokers compare market products to find optimal rates for supplementing retirement income.
Commercial Mortgages
Finance solutions for business premises, investment properties, and commercial developments. We arrange mortgages for offices, retail spaces, and industrial units. Our services include buy-to-let financing for HMOs and holiday lets. We work with specialist lenders to structure commercial loans that align with business cashflow requirements and growth strategies.
People
Des Mace
Founder
Established N M Finance in 1998, bringing decades of property finance expertise. Pioneered the company's growth from a family business to a 18-member team across two offices. Maintains hands-on involvement in strategic decision-making.
Max Mace
Director
Joined the business in its early years, developing specialist expertise in property development finance. Leads client relationships for complex mortgage cases. Combines technical knowledge with practical experience from personal property projects.
Questions
What mortgage options exist for self-employed individuals?
We specialise in self-employed mortgages, requiring SA302 forms or accountant verification. Our lender relationships help secure approvals despite irregular income patterns.
Can I get a mortgage with previous credit issues?
Yes, we've successfully arranged mortgages for clients with adverse credit histories. We present cases strategically to sympathetic lenders.
How quickly can bridging finance be arranged?
We've completed bridging loans within 28 days for auction purchases. Speed depends on property valuation and legal readiness.
What equity release alternatives exist?
Alternatives include downsizing, secured loans, or remortgaging. We compare all options to recommend the most suitable solution.
Do you charge fees for mortgage advice?
Our advice is typically commission-funded through lenders. Any specific fees are disclosed upfront before proceeding.
How do commercial mortgage rates compare to residential?
Commercial rates are typically 1-2% higher than residential equivalents, with stricter lending criteria based on business financials.
Reviews (6)
Richard Clay
Nov 26, 2021
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This is the second time I have used NM finance i I can honestly say there service is of the highest standard both professional and personal. Beverley who dealt with my mortgage found out all my requirements and matched the right mortgage to meet my needs. I also needed some support along the way and they were so accommodating and happy to help. I would also like to thank Ellie who also helped me out in Beverleys absence. Wishing you all the best in the future and I will definitely be recommending you.
David Peppercorn
Nov 19, 2021
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Positive:Professionalism,Responsiveness
It's always a pleasure to deal with Max and his team and would 100% recommend to anyone looking for finance. We completed our first Bridging Finance deal at the beginning of the year and it was a hassle free, smooth and quick process. Since then we have completed several mortgages, remortgages and a further bridge.
It's always a pleasure to deal with Max and his team and would 100% recommend to anyone looking for finance. We completed our first Bridging Finance deal at the beginning of the year and it was a hassle free, smooth and quick process. Since then we have completed several mortgages, remortgages and a further bridge.
Barry It
Oct 25, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Max and his team offer a selection of products, advice and kept me updated through the process.
Max and his team offer a selection of products, advice and kept me updated through the process.
Sarah Francis
Oct 03, 2021
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Positive:Professionalism,Quality,Responsiveness
Gregg, Ellie and Megan provided a top class service. They were all very helpful and friendly. Gregg has incredible product knowledge and gives great honest help. Would highly recommend.
Gregg, Ellie and Megan provided a top class service. They were all very helpful and friendly. Gregg has incredible product knowledge and gives great honest help. Would highly recommend.
Gareth Hacker
Sep 16, 2021
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Positive:Professionalism,Responsiveness,Value
NM Finance were recommended to us by a friend and I can honestly say that I would recommend to anyone seeking a mortgage. Very attentive and natural process. We were not a straightforward case and Gregg took the time to understand out situation and requirements. Very happy and now in our new home. Definitely recommend
NM Finance were recommended to us by a friend and I can honestly say that I would recommend to anyone seeking a mortgage. Very attentive and natural process. We were not a straightforward case and Gregg took the time to understand out situation and requirements. Very happy and now in our new home. Definitely recommend
Sam Chick
Aug 28, 2021
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Great service from NM Finance, Max is always very professional and has excellent knowledge on current mortgage products. Hannah went above and beyond on our most recent case, she really helped pushed the case forward. I have no doubts that we would of lost the purchase if it wasn't for her hard work and determination. So thanks to everyone involved. Couldn't recommend the guys NM Finance highly enough.
