Business Details
35 Years
experience
Expert Mortgage Solutions in Horsham
Established in 1991, Impact Specialist Finance has grown into one of the UK's leading mortgage brokers, packagers, and distributors. Based in Horsham, West Sussex, we serve clients locally, across the UK, and internationally, including British expats. Our expertise lies in specialist mortgage lending, enabling us to assist a diverse range of clientsfrom those with poor credit histories to portfolio landlords seeking expansion. With access to the entire UK mortgage market, our experienced advisers provide tailored solutions through a free consultation, ensuring we understand your unique circumstances and future needs.Our family-run ethos, established by Vic and Sheila Jannels and continued by their sons Dale and Neal, underpins our commitment to fairness, customer care, and exceptional service. Recognized as the UK's Best Specialist Mortgage Broker for four consecutive years, we pride ourselves on navigating complex cases and delivering stress-free advice, making the right 'impact' for every client.
Services
Residential Mortgages
Buy to Let
Bridging Finance
Commercial Mortgages
Secured Loans
Equity Release
Remortgaging
Insurance Services
Credit Reports
Specialist Mortgage Advice
Details
- Year established: 1991
Highlights and features
- We have over 30 years of experience in specialist mortgage lending.
- Our whole-of-market access ensures you get the best deal for your needs.
- We offer exclusive mortgage rates and limited-access lender options.
- Our team includes experienced advisers with expertise in complex cases.
- We provide personalized service with a free initial consultation.
Associations and certifications
- Financial Conduct Authority
What people say
Outstanding service
Professional and thorough
Made the impossible possible
Excellent communication
Stress-free process
Services
Residential Mortgages
We provide tailored residential mortgage solutions for first-time buyers, home movers, and those seeking to remortgage. Our whole-of-market access ensures competitive rates, while our advisers specialize in navigating complex cases such as adverse credit histories. With exclusive deals unavailable on the high street, we deliver personalized advice to secure your ideal home.
Buy to Let
Our buy-to-let mortgages cater to property investors seeking long-term returns. Offering terms up to 40 years and portfolio management support, we help clients maximize rental income potential. Specialist products include limited-company buy-to-let and high-LTV options, with expert guidance on tax-efficient structuring.
Bridging Finance
Bridging finance provides rapid funding solutions for property purchases, auctions, or development projects. With flexible terms from 1 to 24 months and loan-to-value ratios up to 75%, we facilitate quick completions. Our partnerships with specialist lenders ensure competitive rates for both regulated and unregulated scenarios.
Commercial Mortgages
We arrange commercial mortgages for business premises, investment properties, and development sites. Solutions include owner-occupier loans, investment portfolios, and specialist sector financing. Our team negotiates favorable terms for SMEs and large enterprises, with access to lenders offering bespoke repayment structures.
Secured Loans
Secured loans offer alternative funding against residential or buy-to-let properties without disturbing existing mortgages. Available for debt consolidation, home improvements, or business capital, these products accommodate adverse credit histories. Our 80+ years combined expertise ensures competitive rates with no upfront fees.
People
Vic Jannels
Chairman
Founder of Impact Specialist Finance, Vic established the company in 1991 with a vision for ethical, customer-focused mortgage services. His leadership drives strategic growth while maintaining family values of integrity and exceptional client care.
Dale Jannels
Managing Director
As Managing Director, Dale oversees daily operations and lender partnerships. With 25+ years in mortgage broking, he specializes in complex cases and maintains our commitment to innovative solutions and regulatory excellence.
Sheila Jannels
Finance Director
Sheila manages financial operations and compliance, ensuring fiscal stability since the company's inception. Her expertise in mortgage accounting supports transparent client transactions and sustainable business growth.
Neal Jannels
IT and Admin Director
Neal leads technology infrastructure and administrative systems, implementing digital solutions that enhance client service efficiency. His technical expertise ensures secure, streamlined mortgage processing and data management.
Questions
What mortgage options exist for applicants with poor credit?
We specialize in adverse credit mortgages through niche lenders offering flexible criteria. Our advisers negotiate competitive rates while ensuring affordability compliance.
How does your whole-of-market brokerage benefit clients?
Accessing all UK lenders allows us to compare exclusive deals unavailable on the high street, securing optimal rates tailored to your specific circumstances.
Can you assist expatriates purchasing UK property?
Yes, we arrange mortgages for British expats globally, working with lenders that accept overseas income and accommodate unique residency requirements.
What protections exist for mortgage payment difficulties?
We recommend mortgage payment protection insurance covering unemployment or illness, alongside flexible repayment holiday options from lenders.
How quickly can bridging finance be arranged?
Bridging loans typically complete within 7-21 days through our expedited process, supported by specialist lenders prioritizing rapid case progression.
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