Business Details
Your Trusted Mortgage Broker in Nottingham
At Elems, we are dedicated to simplifying the mortgage process for clients across Nottingham and the wider Midlands. Our team, led by experienced mortgage advisor Ivan Whitelocks with over a decade of expertise, specialises in providing jargon-free, tailored advice for first-time buyers, remortgaging, buy-to-let investments, and specialist mortgage products. As an appointed representative of PRIMIS Mortgage Network, we are authorised and regulated by the Financial Conduct Authority, ensuring compliance with the highest industry standards. We prioritise accessibility, transparency, and personalisation, offering flexible appointments, including evenings and weekends, and meeting clients at their homes or workplaces.Our commitment extends beyond securing mortgageswe provide ongoing support and guidance throughout your property journey. With access to thousands of mortgage products from a diverse panel of lenders, we ensure competitive rates and solutions that align with your unique financial circumstances and future goals. Our clients consistently commend our responsive service, expert knowledge, and dedication to transforming what could be a stressful experience into a straightforward, manageable process.
Services
Buy to Let Mortgages
First Time Buyer Mortgages
Remortgaging
Mortgage Protection
Life Insurance
Critical Illness Cover
Income Protection
Family Income Benefit
Specialist Mortgage Products
Foster Carers Mortgages
Highlights and features
- We offer over a decade of experience in mortgage advisory services.
- We provide access to thousands of mortgage products from 90+ lenders.
- Flexible appointment scheduling including evenings and weekends.
- Fee-free initial mortgage consultation with no obligation.
- Ongoing support throughout the mortgage process and beyond.
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Really helpful
Knowledgeable
Outstanding service
Highly recommend
Services
Buy to Let Mortgages
We specialise in buy-to-let mortgages for property investors, offering competitive rates and tailored solutions. Our expertise includes portfolio landlord mortgages, stress testing, and interest coverage ratios. We work with lenders who understand the unique needs of landlords, ensuring you secure financing that maximises profitability and aligns with your investment strategy.
First Time Buyer Mortgages
Our first-time buyer mortgages provide accessible pathways to homeownership, including 95% LTV options and government-backed schemes. We guide clients through deposit requirements, affordability assessments, and lender criteria, ensuring a smooth process for those entering the property market with confidence and clarity.
Mortgage Protection
We offer comprehensive mortgage protection products, including life insurance, critical illness cover, and income protection. These policies safeguard your mortgage payments against unforeseen circumstances, providing financial security for you and your family while ensuring ongoing compliance with lender requirements.
Foster Carers Mortgages
We provide tailored mortgage solutions for foster carers, recognising fostering allowances as valid income. Our services include affordability assessments, lender selection, and support for clients with non-traditional income structures, ensuring access to competitive rates and flexible terms that reflect their unique financial circumstances.
Remortgaging
Our remortgaging service helps clients secure better rates, release equity, or consolidate debts. We analyse your current mortgage, compare thousands of products, and negotiate terms that reduce costs or unlock financial opportunities, ensuring a seamless transition with minimal disruption to your financial plans.
People
Ivan Whitelocks
Mortgage Advisor
Ivan Whitelocks brings over a decade of mortgage advisory experience to Elems. Clients praise his expertise, responsiveness, and dedication to securing tailored mortgage solutions. He specialises in first-time buyer mortgages, buy-to-let investments, and complex cases involving non-traditional income sources.
Questions
What types of mortgages do you offer?
We offer buy-to-let, first-time buyer, remortgaging, specialist, and foster carer mortgages, alongside protection products like life insurance and income cover.
Are there fees for your mortgage advice?
Our initial consultation is free and without obligation. Any fees for subsequent work are disclosed upfront and agreed upon based on your specific needs.
How do you support foster carers with mortgages?
We work with lenders who accept fostering allowances as income, ensuring competitive rates and tailored affordability assessments for clients with non-traditional income structures.
Can I remortgage my property?
Yes, we help clients remortgage to secure better rates, release equity, or consolidate debts, leveraging our access to thousands of mortgage products.
What mortgage protection options are available?
We offer life insurance, critical illness cover, income protection, and family income benefit to safeguard your mortgage against unforeseen circumstances.
Reviews (4)
Hannah Townhill
Sep 07, 2021
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Ivan was fantastic! Our quest for a mortgage wasnt exactly straightforward as our property was apparently, according to one surveyor "unsaleable due to its location - we were remortgaging, go figure. This meant that finding a lender that didnt use the same valuation company was tricky to say the least. Ivan didnt give up. He promised us a mortgage and that is what he delivered through hard work and perseverance. He was a pleasure to deal with throughout and I cant praise him highly enough. I now wouldnt go anywhere else when the time comes to remortgage again. Thanks Ivan
Abi King
Aug 19, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Ivan has been a great help with buying our first house, he kept in contact through the whole process and helped a lot, we would totally recommend having him as a mortgage advisor! :)
Ivan has been a great help with buying our first house, he kept in contact through the whole process and helped a lot, we would totally recommend having him as a mortgage advisor! :)
Georgia Leonardi
Mar 18, 2021
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Thanks for sorting out our re-mortgage, very professional, easy process and even got us a better rate and saved us money. Highly recommended.
Carl Barton
Jan 02, 2021
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Elementary mortgage solutions arranged a remortgage on a property we let out. The process was extremely simple and we got an excellent deal that lowered our monthly payments considerably. I'd highly recommend Elementary and will be using them again in the future.
