Business Details
32 Years
experience
Specialist Buy-to-Let & HMO Mortgages in Milton Keynes
Established in 1994, we have built a reputation as a leading independent mortgage broker specialising in property investment finance. Our expertise spans buy-to-let, HMO, commercial and development mortgages, serving both individual investors and corporate clients. With access to over 50 lenders and 1,400 mortgage products, we provide tailored solutions for residential and commercial property financing. Our team of specialists offers guidance on light to heavy refurbishment loans, bridging finance and portfolio management. We pioneered innovative online mortgage comparison tools and fixed-fee conveyancing services to streamline property transactions. Backed by 29 years of market experience, we deliver competitive rates starting from 1.46% pa for buy-to-let mortgages.Our services extend to expatriates, limited companies and applicants with adverse credit histories. We maintain professional partnerships with solicitors and valuation experts to ensure comprehensive property investment support. Our commitment to transparency includes no hidden fees and clear explanation of typical service charges. As an appointed representative of Charleston Financial Services Limited, we combine market-leading expertise with personalised service.
Services
Buy-to-Let Mortgages
HMO Financing
Bridging Loans
Refurbishment Finance
Commercial Mortgages
Development Funding
Second Charge Loans
Portfolio Refinancing
Expat Mortgages
Adverse Credit Solutions
Details
- Year established: 1994
Highlights and features
- 29 years specialist experience in buy-to-let mortgage brokering
- Access to 50+ lenders including major high street banks
- Expertise in HMO and multi-unit freehold block financing
- Competitive rates from 1.46% pa for buy-to-let mortgages
- Comprehensive refurbishment finance solutions available
Services
Buy-to-Let Mortgages
We provide buy-to-let mortgages for residential investment properties with competitive rates from 1.46% pa. Our services cover first-time landlords, portfolio investors and limited company structures. We offer high loan-to-value options up to 85% LTV with flexible income verification.
HMO Financing
Specialist financing for houses of multiple occupation with options for licensed and unlicensed properties. We arrange mortgages for 5+ room HMOs, student accommodations and mixed-use conversions. Our products include refurbishment finance and portfolio remortgaging solutions.
Bridging Loans
Fast-arranged bridging finance for property purchases, auction bids and development projects. Available from 0.45% monthly interest with terms up to 24 months. We offer first and second charge options for residential and commercial properties.
Refurbishment Finance
Tailored funding for light to heavy property refurbishments. We provide staged finance for projects costing 65k to 15m with LTV up to 70% on purchase and 85% post-refurbishment. Our products include interest roll-up options for cashflow management.
Commercial Mortgages
Mortgage solutions for commercial property acquisitions and refinancing. We serve limited companies, LLPs and corporate entities with options for mixed-use premises, retail units and industrial properties. Our expertise includes adverse credit and complex case scenarios.
Questions
What types of mortgages do you offer?
We specialise in buy-to-let, HMO, commercial, bridging and refurbishment mortgages with access to over 50 lenders and 1,400 products.
Can you help with HMO property financing?
Yes, we offer specialist HMO mortgages for properties with 3+ unrelated tenants, including licensed and unlicensed properties up to 20 rooms.
Do you provide financing for property development?
We offer development funding including joint venture options, heavy refurbishment loans and bridging finance for projects valued £65k to £15m.
Are there options for limited company property purchases?
Yes, we arrange mortgages for limited companies and SPVs with competitive rates starting at 2.69% for buy-to-let properties.
Can I get a mortgage with adverse credit history?
We work with specialist lenders who consider applications with adverse credit histories, including CCJs and defaults.
What areas do you cover?
We provide mortgage solutions across England, Scotland, Wales and Northern Ireland for residential and commercial properties.
