Business Details
Specialist Mortgage Brokers for Property Investors
Uplift Finance is a specialist mortgage and commercial finance broker dedicated to property investors, developers, and business professionals. Established to address industry challenges such as lack of specialisation and outdated technology, we combine expert human insight with proprietary systems to streamline complex processes. Our team, led by seasoned professionals with backgrounds in banking and finance, focuses on niche markets including HMOs, holiday lets, and supported living. Recognised as the 'Best Financial Services Supplier' at the HMO Awards 2022, we prioritise transparency, efficiency, and tailored advice.By maintaining close relationships with 15-20 specialist lenders, we deliver precise solutions for unique property finance needs. Our technology-driven approach minimises errors, accelerates decision-making, and ensures compliance with evolving regulations. With expertise in residential, buy-to-let, and semi-commercial mortgages, we serve clients seeking complex financing structures or first-time investment guidance. Our commitment to continuous learning and market analysis positions us as trusted advisors in the UK's dynamic property finance landscape.
Services
HMO Mortgages
Holiday Let Mortgages
Supported Living Mortgages
Buy to Let Mortgages
Multi Unit Block Mortgages
Residential Mortgages
Semi Commercial Mortgages
Insurance Services
Highlights and features
- We specialise in niche property finance sectors with 15+ specialist lender partnerships
- Our proprietary technology streamlines complex mortgage processes and reduces errors
- Transparent advisory approach with no hidden fees or generic solutions
- Award-winning expertise in HMO and supported living finance
- Team combines banking veterans with innovative fintech capabilities
Associations and certifications
- HMO Awards 2022
What people say
Expert service
Clear communication
Problem-solving
Intend to use again
Services
HMO Mortgages
Specialist financing for Houses in Multiple Occupancy, covering properties from 3 to 30+ bedrooms. We handle all tenant types including vulnerable individuals and local authority leases. Our expertise includes navigating complex planning regulations and hybrid valuation methods while securing up to 80% LTV.
Holiday Let Mortgages
Tailored mortgages for holiday rental properties including city apartments and national park residences. We manage unique considerations like Airbnb viability and projection-based affordability assessments. Available through limited company structures with up to 80% LTV options.
Supported Living Mortgages
Finance solutions for properties housing vulnerable tenants including asylum seekers and disabled individuals. We handle CQC-registered providers and C2 planning requirements, securing competitive rates through specialist lenders with up to 75% LTV availability.
Buy to Let Mortgages
Comprehensive financing for rental property investors, including portfolio refinancing and limited company structures. We assist accidental landlords and first-time investors with stress-tested affordability calculations and up to 80% LTV options.
Insurance Services
Critical insurance products including life cover, income protection, and critical illness policies. These safeguard investments and personal finances against unexpected events, ensuring mortgage security and financial stability during unforeseen circumstances.
People
Edward Clark
Founder
Former retail and investment banker with mortgage rate-setting experience. Leads Uplift Finance's business strategy and complex case advisory, leveraging 15+ years in financial services and syndicated loans.
Tom Hovers
Broker
Specialises in new business acquisitions. Brings pensions advisory and nuclear engineering procurement experience to mortgage solutions, focusing on client relationship management and product analysis.
Jaz
Pipeline Manager
Former HR director with care sector experience. Oversees case management pipeline, applying organisational expertise to ensure efficient processing of mortgage applications and client communications.
Questions
What mortgage options exist for first-time HMO investors?
We offer HMO mortgages with up to 80% LTV for first-time landlords, including guidance on planning requirements and tenant management considerations.
How do holiday let mortgages differ from standard buy-to-let?
Holiday let mortgages consider projected rental income and property type, with specialist lenders assessing Airbnb viability and location-specific factors.
Can I get financing for supported living properties with vulnerable tenants?
Yes, we secure mortgages for supported living properties considering CQC registration, lease types, and tenant profiles with up to 75% LTV.
What insurance products do you recommend for property investors?
We advise life insurance, income protection, and critical illness cover to safeguard investments and ensure mortgage security during unforeseen circumstances.
Do you work with limited company structures?
Yes, we offer mortgage solutions through limited companies and partnerships for tax-efficient property investment strategies.
