Business Details
Your Trusted Mortgage Partner in Swindon
A Mortgage 4 You is a specialist mortgage brokerage with extensive expertise in financial services, operating for over four decades. Our team combines deep industry knowledge with a commitment to resolving complex mortgage challenges, particularly for clients with adverse credit histories. We excel in sourcing tailored solutions for discharged bankrupts, bad credit mortgages, and buy-to-let portfolios, leveraging our relationships with niche lenders and whole-of-market access.Our approach prioritises transparency, client education, and strategic matchmaking with lenders who accommodate unique circumstances. With a focus on bridging financial gaps, we specialise in commercial mortgages, development finance, and equity loans while maintaining rigorous adherence to regulatory standards. Our reputation rests on delivering practical, client-centric outcomes in a sector where many providers hesitate to engage.
Services
Bad Credit Mortgages
Buy to Let Mortgages
Commercial Mortgages
Bridging Loans
Fixed Rate Mortgages
Tracker Rate Mortgages
Shared Ownership Mortgages
Remortgaging
HMO Mortgages
Development Finance
Highlights and features
- We have over 40 years of experience in specialist mortgage solutions.
- Our team maintains relationships with niche lenders for complex cases.
- We provide transparent advice with no hidden fees or commitments.
- We guarantee tailored mortgage strategies for adverse credit situations.
- Our broker network accesses exclusive products unavailable on the high street.
Associations and certifications
- Financial Conduct Authority
What people say
Fantastic service
Kept us updated
Lovely gift
Helped us get a mortgage
Experts in bad credit mortgages
Services
Bad Credit Mortgages
Specialist mortgage solutions for applicants with historic credit issues. We partner with lenders accepting defaults, CCJs, and bankruptcy discharges up to 12 months. Our brokers assess affordability and match clients to products with LTVs up to 95% where applicable. Clients benefit from tailored applications highlighting financial recovery narratives.
Buy to Let Portfolios
Mortgage arrangements for landlords expanding rental property holdings. We facilitate financing for mixed-use portfolios including HMOs and holiday lets. Our service includes stress-test analysis for rental income assessments and tax-efficient structuring through SPVs. Lenders offer up to 85% LTV for experienced landlords with proven track records.
Commercial Mortgages
Financing solutions for business premises acquisition or investment properties. We arrange loans between 70-75% LTV for owner-occupied premises and investment properties. Our brokers handle applications requiring additional security or complex affordability assessments, with terms from 3 to 40 years.
Bridging Loans
Flexible bridging finance arrangements for property transactions. We secure loans up to 100m with rates starting at 3.9% APR. Our brokers specialise in rapid completions, development finance, and auction purchases, offering terms from 1-24 months with interest roll-up options.
Shared Ownership Mortgages
Government-backed mortgage support for first-time buyers. We arrange 75% LTV mortgages combined with 20% equity loans (40% in London). Our service includes eligibility assessments for new-build properties under 600k, with deferred repayment options for the government loan component.
People
Michael J Alexander
Senior Mortgage Broker
Michael has over 30 years' experience in specialist mortgages, focusing on adverse credit cases. He leads our complex case department and maintains relationships with key niche lenders.
Questions
Can I get a mortgage with a bad credit history?
Yes, we specialise in bad credit mortgages and have lenders accepting historic defaults, CCJs, and bankruptcy discharges.
How long does mortgage approval take with adverse credit?
Applications typically take 2-4 weeks, depending on lender requirements and documentation completeness.
Do you offer commercial mortgages for start-up businesses?
We require proven business viability and typically 25% minimum deposit for commercial property financing.
Can discharged bankrupts get buy-to-let mortgages?
Yes, we work with lenders accepting applications from those discharged as recently as 12 months ago.
What are your broker fees for mortgage arrangements?
Fees range from 1% (first charge) to 10% (second charge) of the loan amount, with minimums starting at £1,495.
Do you provide help with Help to Buy equity loans?
Yes, we assist with government-backed schemes including eligibility assessments and application facilitation.
