Business Details
28 Years
experience
Expert Mortgage Brokers in Norwich
Established in 1998, N M Finance has built a reputation as a trusted, independent mortgage broker with over 25 years of expertise in residential and commercial property finance. Our team combines deep industry knowledge with first-hand experience in complex financial scenarios, including self-build projects, development finance, and equity release. As a whole-of-market broker regulated by the Financial Conduct Authority (FCA), we offer impartial advice tailored to individual client needs, leveraging relationships with over 100 lenders to secure competitive rates.Our commitment to transparency, ethical practices, and long-term client partnerships has resulted in a 65% customer retention rate. With offices in Norwich and London, we serve clients nationwide, supported by a dedicated team that includes directors with decades of hands-on property finance experience.
Services
Mortgage Brokering
Development Finance
Bridging Finance
Equity Release
Commercial Mortgages
Details
- Year established: 1998
Highlights and features
- 25+ years' experience in residential and commercial property finance
- Whole-of-market broker with access to 100+ lenders
- FCA-regulated for client protection and ethical standards
- First-hand experience in complex financing scenarios
- Personalised service with 65% customer retention rate
Associations and certifications
- Financial Conduct Authority
- Equity Release Council
What people say
Amazing broker
Seamless process
Highly recommend
Expert guidance
Saved considerable money
Services
Mortgage Brokering
As a whole-of-market mortgage broker, we provide impartial advice across residential, commercial, and specialist finance products. Our FCA-regulated team leverages relationships with over 100 lenders to secure competitive rates for first-time buyers, landlords, and developers. With 25+ years' experience, we specialise in complex cases including self-employed applicants, adverse credit histories, and portfolio management.
Development Finance
We arrange development finance for single-unit, multi-unit, and commercial projects across the UK. Our expertise covers ground-up developments, conversions, and refurbishments. With direct access to specialist lenders and a deep understanding of construction finance, we help developers secure funding for projects ranging from residential schemes to mixed-use developments, with support from initial planning to project completion.
Equity Release
As members of the Equity Release Council, we offer regulated equity release solutions for homeowners aged 55+. Our advice covers lump sum lifetime mortgages, drawdown options, and income-for-life products. We ensure clients understand the long-term implications while helping them access tax-efficient funds for retirement, debt consolidation, or family support, with access to preferential rates through specialist lenders.
Commercial Mortgages
We provide commercial mortgage solutions for businesses seeking property acquisition, refinancing, or portfolio expansion. Our services cover buy-to-let portfolios, HMOs, holiday lets, and commercial premises. With access to specialist lenders, we support both regulated and unregulated financing options, including bridging loans and mezzanine finance to bridge funding gaps in property transactions.
Bridging Finance
We arrange bridging finance for property purchases requiring quick completion, including auction acquisitions and chain breaks. Our solutions cover both residential and commercial properties, with options for regulated and unregulated loans. We work with specialist lenders to provide flexible terms, typically ranging from 6 months to 3 years, with support for complex cases involving adverse credit or unconventional property types.
People
Des Mace
Director
Co-founder with over 25 years' experience in property finance. Built the business from a family-run operation to a 18-member team across Norwich and London. Specialises in complex mortgage structuring and development finance.
Max Mace
Director
Joined the business in 2001, expanding its commercial finance capabilities. Leads client relationships for development projects and equity release. Recognised for innovative solutions in challenging mortgage cases.
Questions
What mortgage options are available for first-time buyers?
We offer tailored first-time buyer mortgages with competitive rates, including 95% LTV options, fixed/variable rates, and government schemes like Help to Buy.
Can you help with mortgages for self-employed individuals?
Yes, we specialise in self-employed mortgages, understanding complex income structures and securing approvals from lenders accepting non-standard income verification.
Do you offer commercial mortgages for property investors?
We provide commercial mortgages for buy-to-let portfolios, HMOs, holiday lets, and development projects, working with specialist lenders across the UK.
How does equity release affect inheritance?
Equity release reduces the value of your estate. We explain inheritance protection options and help structure plans to balance retirement needs with legacy goals.
What areas do you cover for mortgage services?
We operate nationwide with particular expertise in East Anglia, London, and the South East, serving clients from our Norwich and London offices.
Are your mortgage services regulated?
Yes, we're regulated by the Financial Conduct Authority for mortgage mediation, ensuring compliance with strict consumer protection standards.
