Business Details
20 Years
experience
Trusted Mortgage Brokers in Rhyl, Wales
Established in 2006, Top Mortgage Solutions has built a reputation for providing tailored mortgage solutions to meet diverse client needs. Our team of experienced advisors works closely with each client from initial consultation through to completion, ensuring continuity and expertise throughout the process. With access to over 60 mortgage lenders, we specialise in navigating complex lending criteria to secure competitive rates for home movers, first-time buyers, and investors.Our services extend to equity release, adverse credit mortgages, and buy-to-let solutions, with a particular focus on lifetime mortgages for clients aged 55+. We prioritise transparency, offering clear explanations of all options while adhering to strict regulatory standards under the Financial Conduct Authority. Our commitment to personalised service ensures clients receive advice that aligns with their unique financial circumstances and long-term goals.
Services
Home Movers
Remortgage
Equity Release
Buy to Let
Adverse Credit Mortgages
Self-Employed Mortgages
Lifetime Mortgages
New Build Mortgages
Commercial Conveyancing
Will Writing Service
Details
- Year established: 2006
Highlights and features
- We have over 15 years of experience in mortgage advisory services.
- We offer exclusive mortgage interest rates unavailable on price comparison websites.
- We provide tailored solutions for self-employed individuals.
- We consider applications with adverse credit histories.
- We specialise in lifetime mortgages for clients aged 55+.
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Expert mortgage advice
Personalised service
Wide range of options
Professional support
Transparent process
Services
Equity Release
Equity release allows homeowners aged 55+ to access tax-free cash tied up in their property. We specialise in lifetime mortgages, offering flexible options including lump sum release, drawdown facilities, and interest-only plans. Our advisors ensure clients understand the implications on state benefits and estate planning, providing tailored solutions that align with long-term financial goals while maintaining FCA regulatory compliance.
Home Movers
We simplify the mortgage process for home movers by navigating complex lender criteria. Our services include assessing tax credit eligibility, accommodating self-employed applicants with varying account histories, and advising on repayment strategies. With access to exclusive rates, we help clients secure competitive mortgages that match their unique circumstances and property purchase timelines.
Adverse Credit Mortgages
We provide mortgage solutions for applicants with adverse credit histories. Our advisors work with specialist lenders to assess individual circumstances, offering options that consider credit score improvements and financial rehabilitation. We ensure transparent explanations of terms while maintaining regulatory compliance, helping clients rebuild their financial futures through responsible lending practices.
Buy to Let
Our buy-to-let mortgage services cater to property investors seeking competitive rates and flexible terms. We provide guidance on unregulated products, tax implications, and portfolio management strategies. With access to specialist lenders, we help investors navigate changing market conditions while ensuring compliance with relevant regulatory frameworks for residential and commercial property investments.
Remortgage
We help homeowners reduce monthly payments or release equity through remortgaging. Our advisors assess current mortgage terms, credit profiles, and market conditions to identify suitable refinancing options. We provide clear comparisons of available rates and terms, ensuring clients make informed decisions that align with their financial objectives while adhering to FCA guidelines.
Questions
What mortgage options are available for self-employed individuals?
We offer tailored mortgage products for self-employed applicants, with lenders requiring varying account histories from one to three years. Our advisors help navigate these options to find competitive rates.
Can I remortgage with bad credit?
Yes, we work with specialist lenders who consider adverse credit histories. Our advisors assess your circumstances to find suitable remortgage options while explaining potential implications.
How does equity release affect state benefits?
Equity release may impact means-tested benefits. Our advisors provide detailed explanations during consultations to help you understand potential effects on your specific benefit entitlements.
What areas do you serve for mortgage advice?
We provide mortgage advice across the UK mainland and Northern Ireland, with offices in Rhyl (Wales) and Southampton (Hampshire), serving both local and national clients.
Are your mortgage rates exclusive?
Yes, we offer exclusive mortgage interest rates through our partnerships with over 60 lenders, often unavailable on price comparison websites or directly through high-street banks.
Do you offer commercial mortgage services?
Yes, we provide access to commercial mortgages and bridging finance solutions through our network of specialist lenders, tailored to business property investment needs.
Reviews (5)
Chris Wills
Oct 21, 2021
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We have used Simon's services when moving home twice, his expertise made the process a lot smoother and the service he provides beyond the mortgage offer goes above and beyond.
Spencer Dawson
Oct 15, 2021
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Positive:Professionalism,Responsiveness
Simon did a great job helping and taking us through the house sale process. Great service all round.
Simon did a great job helping and taking us through the house sale process. Great service all round.
Bea Lopez
Oct 14, 2021
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Positive:Professionalism,Quality,Responsiveness
Simon is super prompt in his correspondence, incredibly knowledgeable and very professional. He takes the time to understand your needs/requirements and explains all the options very straightforwardly. I will definitely recommend T.M.S Mortgages & More.
Simon is super prompt in his correspondence, incredibly knowledgeable and very professional. He takes the time to understand your needs/requirements and explains all the options very straightforwardly. I will definitely recommend T.M.S Mortgages & More.
Aimee Wilson
Sep 14, 2021
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T.M.S Morgages & More have been incredible in myself and my husbands mortgage journey. Simon provides a person-centred, professional Morgage Brooker Service. We experienced many knock backs from lenders due to a CCJ that was sustained when I was a youth. I was embarrassed of this CCJ but Simon never judged me or our situation. He worked with us over a long period of time, through set backs and doors closing. He was patient, kind and genuine! He never gave up on us! He worked tiresly over several years, trying and trying for us. And today all his hard work paid off! Not only has Simon secured
Dawn Gullis
Aug 25, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Simon has been my mortgage advisor for 3 years now & I won't trust my financial information to anyone else. He is sympathetic to my requirements & always has my best interests at heart. I can wholeheartedly recommend TMS Mortgages.
Simon has been my mortgage advisor for 3 years now & I won't trust my financial information to anyone else. He is sympathetic to my requirements & always has my best interests at heart. I can wholeheartedly recommend TMS Mortgages.
