Business Details
35 Years
experience
Your Trusted Mortgage Broker in Horsham
Established in 1991, Impact Specialist Finance has grown into one of the UK's leading mortgage brokers, packagers, and distributors. Our family-run business, founded by Vic and Sheila Jannels and now led by their sons Dale and Neal, combines decades of industry experience with a commitment to personalized service. We specialize in specialist mortgage lending, helping clients with diverse needsfrom first-time buyers and portfolio landlords to those with adverse credit historiessecure tailored solutions. With access to the entire UK mortgage market, including exclusive rates and limited-access lenders, we provide comprehensive options for residential, buy-to-let, commercial, and bridging finance.Our team of experienced advisers offers whole-of-market expertise, supported by onsite underwriters and a streamlined mortgage process designed to ensure transparency and efficiency. Recognized as the Best Specialist Mortgage Broker for four consecutive years at the What Mortgage Awards, we pride ourselves on delivering reliable, client-centric service grounded in fairness and industry leadership.
Services
Residential Mortgages
Buy to Let
Bridging Finance
Commercial Mortgages
Remortgaging
Equity Release
Secured Loans
Insurance
Stamp Duty Calculator
Mortgage Process
Details
- Year established: 1991
Highlights and features
- We have over 30 years of experience in specialist mortgage lending.
- Our team offers whole-of-market access with exclusive rates and lenders.
- We provide onsite underwriters for faster application processing.
- Our company is ISO-certified for quality and compliance standards.
- We specialize in helping clients with low credit scores or complex cases.
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Professional and proactive
Made the impossible possible
Kept updated every step
Dedicated and knowledgeable
Services
Residential Mortgages
We provide tailored residential mortgage solutions for first-time buyers, home movers, and remortgagers. Our advisers help clients secure competitive rates across the entire UK market, including exclusive deals unavailable on the high street. With expertise in complex cases, such as adverse credit or self-employment, we ensure accessible pathways to homeownership.
Buy to Let
Our buy-to-let mortgages cater to property investors seeking long-term returns. With flexible terms up to 40 years and access to specialist lenders, we help clients build and expand rental portfolios. Our team advises on tax-efficient structures and financing options tailored to individual investment goals.
Bridging Finance
Bridging finance offers rapid funding for time-sensitive property transactions, such as auctions or chain breaks. We connect clients with lenders providing competitive rates for terms typically between 6 and 18 months, ensuring seamless transitions between property purchases and sales.
Commercial Mortgages
We specialize in commercial mortgages for businesses acquiring or expanding property portfolios. Our solutions cover retail, industrial, and office spaces, with flexible repayment structures and access to lenders experienced in complex commercial financing scenarios.
Secured Loans
Secured loans allow homeowners to raise funds against their property without altering existing mortgages. Ideal for debt consolidation or home improvements, these loans offer competitive rates and flexible terms, with no upfront fees and support for adverse credit cases.
People
Vic Jannels
Chairman
Founder of Impact Specialist Finance, Vic established the company in 1991 with a vision for client-focused mortgage solutions. His leadership has driven the firm's growth into a multi-award-winning broker.
Dale Jannels
Managing Director
Dale oversees daily operations and strategic growth, leveraging over 25 years of mortgage industry experience to maintain the company's reputation for excellence and innovation.
Sheila Jannels
Finance Director
Sheila manages financial operations, ensuring fiscal stability and compliance. Her expertise in accounting and risk management supports the company's long-term success.
Neal Jannels
IT and Admin Director
Neal leads IT infrastructure and administrative systems, implementing technology solutions that enhance efficiency and client service delivery across the organization.
Questions
What types of mortgages do you offer?
We provide residential, buy-to-let, commercial, bridging, and equity release mortgages, along with secured loans for diverse financial circumstances.
Can you help with bad credit mortgages?
Yes, we specialize in adverse credit cases, offering tailored solutions through lenders experienced in complex financial histories.
How does your mortgage process work?
Our process includes a free consultation, fact-finding, product selection, application submission, and ongoing support until funds are received.
Do you offer expat mortgage services?
Yes, we assist British expats worldwide with mortgage applications, leveraging our market access to secure suitable international lending options.
Are there fees for your mortgage advice?
We charge no upfront fees; our income comes from lender commissions, ensuring transparent and cost-effective guidance for clients.
What insurance products do you provide?
We offer life cover, critical illness, income protection, and property insurance through our partner, Caspian Insurance, to safeguard client investments.
Videos
Reviews (7)
Mortgage Broker
Sep 30, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
The sales team on the packaging team are knowledgeable and respond in a timely matter. They are quick to place my trickier cases, and the case managers keep on top of the case at application so I dont need to waste my time chasing as I know its in safe hands. I do not hesitate in handing my complex cases over to Kelly and Hollie.
The sales team on the packaging team are knowledgeable and respond in a timely matter. They are quick to place my trickier cases, and the case managers keep on top of the case at application so I dont need to waste my time chasing as I know its in safe hands. I do not hesitate in handing my complex cases over to Kelly and Hollie.
Ndh
Sep 25, 2021
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I was passed to this company through Habito who could not help me based on my credit score. At first they seemed really professional but it was short lived. Over the phone they were friendly but in email it felt like a big farce. I was told it would take about 48 hours to find a lender from the time of submitting my application but I was passed from pillar to post, 2 weeks in after chasing them (they were in no hurry whatsoever) was told they had found a lender (finally!) I received an email from Paul stating 'I have taken over your enquiry and from the details in the fact find and your previous
Robyn McWhir
Sep 02, 2021
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Special mention to Dale who got us our mortgage! During the application process, he explained everything in great detail and was always quick to respond to any queries that we had. Dale was also very quick to send our application and all of our documents to the lender, without the need to chase him up for progress. He was very dedicated! Also thank you to Melanie who carried on with our application for the last part, she was also very responsive to emails and keen to get the mortgage offer for us.
Overall, Impact were great and I cannot fault them on anything. They got us a very good deal and
Overall, Impact were great and I cannot fault them on anything. They got us a very good deal and
Ion Tsakalis
Jun 25, 2021
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Positive:Professionalism,Responsiveness,Value
I had a less than straight forward mortgage proposition and Impact were able to identify a suitable lender and help me through the inevitable hurdles on the way to completion
I had a less than straight forward mortgage proposition and Impact were able to identify a suitable lender and help me through the inevitable hurdles on the way to completion
Sarah Edwards
Dec 19, 2020
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Positive:Professionalism,Quality,Responsiveness,Value
Sue and Vic helped me through a very difficult time in my life. they understood how stressed I was and they acted professionally, with speed, care and compassion. They were always available in the evenings and weekends to answer any questions I had. I would highly recommend their services.
Sue and Vic helped me through a very difficult time in my life. they understood how stressed I was and they acted professionally, with speed, care and compassion. They were always available in the evenings and weekends to answer any questions I had. I would highly recommend their services.
Bag Ter
Oct 11, 2020
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We have used Impact for a few years now and cannot fault the level of service provided by them. They arrange our mortgage 2 years ago and contacted us recently when our existing offer was coming to an end. They helped us with our remortgage saving us time and money. We would highly recommend Impact Specialist Finance to anyone looking for a mortgage.
Julian Bradley
Aug 07, 2020
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Big thanks to Kelly Harber at impact SF she will take on your case happily and provides full support throughout. She has done a fantastic job managing our expectations and has stayed in constant touch throughout the process. Highly recommended
