Business Details
22 Years
experience
Your Trusted Mortgage Broker in Congleton, Cheshire
Solution Mortgages is an independent mortgage and loan brokerage with over two decades of experience supporting UK residents, business owners, and property investors. Our expertise spans mainstream and complex financial scenarios, including adverse credit, CCJs, and non-standard construction properties. We collaborate with a curated panel of specialist lenders to secure competitive mortgage, remortgage, and homeowner loan solutions tailored to individual needs. Our team prioritises transparency, offering fee-free valuations and processing until application completion.With a proven track record in resolving challenging cases, we combine industry-leading knowledge with a client-centric approach to deliver efficient, personalised service. Our advisors specialise in areas such as buy-to-let, commercial property, equity release, and right-to-buy schemes, ensuring comprehensive support across the mortgage lifecycle. Recognised for fast decision-making and regulatory compliance, we maintain authorisation by the Financial Conduct Authority to uphold the highest standards of trust and professionalism.
Services
Mortgages
Remortgages
Homeowner Loans
Buy to Let
Commercial Property
Equity Release
Bridging Loans
Right to Buy
Non-Standard Construction
Poor Credit Rating
Details
- Year established: 2004
Highlights and features
- We have over 20 years of experience in mortgage brokering across complex scenarios
- Our team works with specialist lenders who accept adverse credit and CCJs
- We offer market-leading rates for both standard and non-standard construction properties
- Our advisors provide transparent fee structures with no upfront charges
- We deliver fast decisions in principle and prioritise time-sensitive completions
Associations and certifications
- Financial Conduct Authority
What people say
Fantastic service
Speedy and efficient
Highly recommend
Professional and patient
Kept informed throughout
Services
Mortgage Brokering
We connect clients with specialist lenders for residential purchase mortgages, offering competitive rates across standard and non-standard properties. Our brokers assess eligibility based on income, credit history, and property type. With access to exclusive deals and a streamlined application process, we help first-time buyers and experienced investors secure financing tailored to their circumstances.
Remortgage Solutions
Our remortgage service helps homeowners reduce monthly payments, release equity, or switch lenders. We specialise in complex cases including adverse credit histories and repossession risks. By analysing current market rates and client financial profiles, we identify optimal refinancing opportunities while ensuring compliance with regulatory requirements throughout the transition process.
Homeowner Loans
We arrange second-charge mortgages secured against property equity, with borrowing amounts from 5,000 to 500,000 over 5-25 year terms. These loans suit clients needing funds for home improvements, debt consolidation, or major purchases. Our brokers work with lenders accepting non-prime credit profiles while clearly explaining risks associated with secured borrowing.
Adverse Credit Mortgages
Specialist mortgage solutions are available for clients with CCJs, defaults, or bankruptcy histories. We partner with lenders assessing applications holistically rather than relying solely on credit scores. Our advisors guide clients through documentation requirements and risk-mitigation strategies to improve approval chances while maintaining transparent communication about terms and conditions.
Buy to Let Financing
We provide tailored financing for property investors seeking buy-to-let mortgages. Our service includes portfolio management advice, yield calculations, and lender selection based on deposit size and rental income projections. We support both experienced landlords expanding their portfolios and first-time investors entering the market with appropriate risk assessments.
Questions
Can I get a mortgage with a poor credit rating?
Yes, we work with specialist lenders accepting applications from clients with CCJs, defaults, and other credit challenges.
How quickly can you process a mortgage application?
We provide immediate decisions in principle and typically complete standard applications within 4-6 weeks.
Do you charge upfront fees?
No valuation or processing fees are charged until your mortgage application reaches completion.
Can I remortgage to release home equity?
Yes, we help homeowners access equity for debt consolidation, improvements, or other financial needs.
Do you offer buy-to-let mortgage solutions?
We specialise in buy-to-let financing with lenders understanding property investment requirements.
Are your advisors regulated by financial authorities?
We operate under Financial Conduct Authority authorisation for mortgage and loan brokering services.
Reviews (6)
Emily Proudlove
Dec 03, 2021
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As first time buyers Scott helped with more than just the mortgage, he talked us through the entire process, ensured we understood and helped with any questions no matter how small. He also tailored the advice to our particular situation which was also very helpful. He was professional yet approachable and I can't really thank him enough for guiding us through this whole process, and thanks to him I'm proud to say we're the owners of a great property.
Shawn Beardmore
Jul 16, 2021
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Where to start apart from a huge thank you!
Scott @ Mortgage solutions has recently helped us through a far from straight forward sale of our property and purchase of a new home. From our initial consultation we knew we were in safe hands with Scott. The most personal service we have ever experienced, nothing was ever too much trouble, Scott was always on the end of the phone or an email for help and advice and on more than one occasion went above and beyond what we were expecting. It always felt like we were his only clients! Although our house sale & purchase was not straight forward our mortgage
Scott @ Mortgage solutions has recently helped us through a far from straight forward sale of our property and purchase of a new home. From our initial consultation we knew we were in safe hands with Scott. The most personal service we have ever experienced, nothing was ever too much trouble, Scott was always on the end of the phone or an email for help and advice and on more than one occasion went above and beyond what we were expecting. It always felt like we were his only clients! Although our house sale & purchase was not straight forward our mortgage
Damian Sayer
May 07, 2021
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Scott just simply could not have done any better. From the first point of contact until the end Scott was on point with communication and all correspondence. He made the whole process stress free. I couldn't recommend him higher.
Jakub Gawlik
May 06, 2021
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Positive:Professionalism
Fantastic service. Our situation was a little complex with the mortgage, but nothing that Scott and the team wouldn't handle. All was smooth and we are now finally home owners. Highly recommend. A mix of professionalism and rapid response are things you can definitely count on!! Very happy.
Fantastic service. Our situation was a little complex with the mortgage, but nothing that Scott and the team wouldn't handle. All was smooth and we are now finally home owners. Highly recommend. A mix of professionalism and rapid response are things you can definitely count on!! Very happy.
Choy Tang
May 05, 2021
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After trying several mortgage brokers, Scott was the only one who could help us with our situation, and made the mortgage process possible in the limited time we had to get it done in. Very professional and friendly. Keeping us informed and updated at every stage. Would highly recommend Solution Mortgages, and we will be returning to use their services again.
James Cunnett
May 02, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
This is the 2nd time I have used solution mortgages. Scott was very professional, explained everything in full and very responsive to all of our needs to get the mortgage deal that was right for myself and my wife. I will definitely be using Scott and solution mortgages in the future.
This is the 2nd time I have used solution mortgages. Scott was very professional, explained everything in full and very responsive to all of our needs to get the mortgage deal that was right for myself and my wife. I will definitely be using Scott and solution mortgages in the future.
