Business Details
17 Years
experience
Your Trusted Mortgage Broker in Croydon
Established in 2009, Niche Advice has built a reputation as a trusted mortgage brokerage firm specializing in residential, buy-to-let, and commercial mortgage solutions. Our team of FCA-authorised professionals brings extensive industry experience to navigate complex lending criteria and deliver tailored financial strategies for diverse client needs. We prioritise client-centric service through innovative problem-solving approaches that address unique challenges in property financing.With a proven track record of helping thousands of clients secure mortgage approvals where traditional providers have declined, we maintain strict regulatory compliance under FCA oversight while eliminating upfront fees for all services. Our expertise spans specialist mortgage products including auction finance, bridging loans, and portfolio management solutions for high-net-worth property investors.
Services
Residential Mortgages
Buy to Let Mortgages
Commercial Mortgages
Bridging Loans
Mortgage Advice
Debt Consolidation
Property Surveys
Online Mortgage Finder
Contractor Mortgages
First Time Buyer Mortgages
Details
- Year established: 2009
Highlights and features
- We offer 16 years of specialist mortgage brokering experience in complex lending scenarios
- Our FCA-authorised team delivers transparent mortgage solutions with no hidden fees
- We specialise in finding mortgage approvals when other lenders have declined applications
- Our portfolio management expertise serves professional landlords with large property holdings
- We provide tailored financing strategies for unique property investments and development projects
Associations and certifications
- Financial Conduct Authority
Services
Residential Mortgages
We specialise in residential mortgage solutions for first-time buyers, home movers and remortgagers. Our FCA-regulated brokers access exclusive deals across 95% of the market, including niche products for self-employed applicants and those with adverse credit histories. With no upfront fees, we provide tailored advice to secure competitive rates matching individual financial circumstances.
Buy to Let Mortgages
Our buy-to-let expertise serves both novice and experienced landlords seeking portfolio growth. We offer specialist advice on limited company structures, SPVs and tax-efficient financing while navigating evolving regulatory requirements. With access to exclusive lender panels, we secure competitive terms for standard and complex property investments across England and Wales.
Commercial Mortgages
We arrange commercial mortgages for business premises, development projects and investment portfolios. Our brokers understand the unique challenges of non-residential lending, offering tailored solutions for property developers, SMEs and corporate clients. We specialise in complex cases involving high loan-to-value ratios and unconventional security.
Bridging Loans
Our bridging loan specialists provide rapid financing solutions for property transactions requiring urgent completion. We access flexible products with loan-to-value ratios up to 75%, supporting property auctions, chain breaks and development projects. With brokered terms typically arranged within 72 hours, we ensure timely transaction completion.
Debt Consolidation
We help clients simplify multiple debts through strategic mortgage-based consolidation. Our solutions reduce monthly outgoings by combining credit cards, personal loans and other liabilities into single, manageable payments. We prioritise long-term financial stability while maintaining FCA-compliant responsible lending practices.
Questions
What mortgage types do you specialise in?
We specialise in residential, buy-to-let and commercial mortgages, including niche products for self-employed applicants, adverse credit cases and limited company structures.
How do you differ from high-street banks?
As an independent broker, we access exclusive mortgage deals from specialist lenders across 95% of the market that aren't available through high-street banks.
Are your services FCA regulated?
Yes, Niche Advice Limited is authorised and regulated by the Financial Conduct Authority (FCA Number: 750263) for mortgage broking activities.
Can you help with difficult mortgage cases?
We specialise in complex cases where traditional lenders have declined applications, including adverse credit histories, self-employment and unique property types.
Do you charge upfront fees?
No, we operate with no upfront fees for standard mortgage brokering services, with costs typically covered by lender commissions.
How do I start the mortgage process?
Begin with our free online affordability check or contact us directly on 0207 993 2044 to discuss your specific requirements with an FCA-authorised broker.
Videos
Reviews (6)
Hari Marar
Dec 01, 2021
Report
Well, If you are applying for a mortgage, and in a situation where you might need a mortgage advisor- don't look elsewhere- just give them a call and you will be sorted. during our 6+ months or ordeal with our purchase - things went wrong at all sides- conveyancers , agents , sellers- except niche advise and Mr. Payam ! The guy went above and beyond to get our application sorted and he delivered more than he promised, as he had to do a second application when our solicitors messed up.
Yakub Albert
Nov 19, 2021
Report
Sincere Thanks to Payam and team.I came across Niche Advice on YouTube and got in touch with Payam after another mortgage broker told me I will not be able to get a mortgage. Excellent service from Niche Advice, the team is professional and respond to you promptly. They really work hard for the client. I highly recommend Niche Advice if you through circles and have difficulty get a mortagage especially during this diffcult time. Thank you Payam & Team - Yakub & Nancy
Ali Mohedeen
Oct 30, 2021
Report
Hi dear payam
Starting my mortgage with you was my first step forward towards success, every word or advice you have mentioned it was in the right place 100%, not only my self but even my friends and colleges who is been referred to you by me, any body who ask you for mortgage and you refuse the case is because it has low chance of success and that will leave impact on their records which they wont understand until they be in that position, my reason to write this post for who ever reading it, as long as you are with niche advice you are in safe hands, it might sound like Im advertising
Starting my mortgage with you was my first step forward towards success, every word or advice you have mentioned it was in the right place 100%, not only my self but even my friends and colleges who is been referred to you by me, any body who ask you for mortgage and you refuse the case is because it has low chance of success and that will leave impact on their records which they wont understand until they be in that position, my reason to write this post for who ever reading it, as long as you are with niche advice you are in safe hands, it might sound like Im advertising
Reshma Zaveri
Oct 30, 2021
Report
The best Mortgage advisor available in the market. Mr Payam is truly very knowledgeable and would genuinely suggest the best product. He and his team have gone out of their way to help us get mortgage in time. At one point we thought we wouldnt get any mortgage and would loose the house of our dream then we watched his videos and were very glad we made that call Really appreciate all the efforts and help his team has put into.. Thank you for helping us get the house of our dreams
Kabemba Kamuleta
Sep 30, 2021
Report
Niche Advice Limited is very professional in mortgage, in one Month and two weeks I had mortgage offer wow very professional. Very good service
Alexander Ikpefuran
Sep 29, 2021
Report
I came across Niche through their u-tube advert and was immediately drawn to their knowledge and understanding of the mortgage brokerage terrain. After choosing to use them I was not disappointed...they are basically what it says on the tin...there is always a contingency and option for everyone regardless of your circumstance and level...linked to so many lenders and recommend conveyance that suits you...I applaud them...and will use them again and again... :)
