Business Details
24 Years
experience
Trusted Mortgage Brokers in Newcastle
Innovate Mortgages and Loans Mortgages and Loans has been operating since 2002, combining over 100 years of expertise in the mortgage and finance sector. Our team specialises in delivering tailored financial solutions, working across the market to access more than 80 lenders, including high street banks, building societies, and specialist loan providers. We prioritise understanding individual client circumstances to recommend products that align with their unique needs, ensuring transparency and avoiding unsuitable recommendations. Our experience enables us to navigate complex lending criteria, particularly for self-employed individuals, first-time buyers, and those with adverse credit histories.We maintain authorisation and regulation by the Financial Conduct Authority, adhering to strict compliance standards. Our fee structure is clear, with initial consultations offered free of charge, and we pride ourselves on delivering exceptional customer service throughout the mortgage journey. We also provide protection services, including life insurance and income cover, to safeguard clients' financial commitments. Our commitment to ethical practices and client-centric solutions has earned us a trusted reputation in the industry.
Services
Residential Mortgages
Buy to Let Mortgages
Bridging Loans
Second Charge Loans
Equity Release Loans
Protection Services
Household Insurance
Business Protection
Life Insurance
Income Protection
Details
- Year established: 2002
Highlights and features
- We have over 100 years of combined experience in arranging financial solutions.
- We operate across the market with access to more than 80 lenders.
- We recommend products tailored to your individual circumstances.
- Our company is authorised and regulated by the Financial Conduct Authority.
- We charge transparent fees with no hidden costs.
Associations and certifications
- Financial Conduct Authority
What people say
Expert mortgage advice
Tailored solutions
Excellent customer service
Helped thousands
Wide range of lenders
Services
Residential Mortgages
We specialise in residential mortgages, helping clients purchase or remortgage properties. Our expertise includes first-time buyers, self-employed individuals, and those with adverse credit histories. By accessing over 80 lenders, we secure competitive rates tailored to individual financial circumstances.
Buy to Let Mortgages
Our buy-to-let mortgages cater to landlords seeking to expand property portfolios. We assist clients with low rental yields, limited company structures, and complex income assessments. Our partnerships with specialist lenders ensure flexible solutions for both novice and experienced investors.
Bridging Loans
Bridging loans provide rapid financing for property purchases or refurbishments. Ideal for auction purchases or urgent transactions, these loans offer flexible terms. We connect clients with lenders offering competitive rates for short-term borrowing needs.
Second Charge Loans
Second charge loans allow homeowners to borrow against property equity. Suitable for debt consolidation, home improvements, or major purchases, these loans feature repayment terms aligned with individual budgets. We collaborate with master brokers to secure affordable rates.
Equity Release Loans
Equity release loans enable homeowners over 55 to access tax-free cash. Partnering with Age Partnership, we offer lifetime mortgages and home reversion plans. These solutions provide financial flexibility while ensuring no negative equity guarantees.
Questions
How do I arrange a mortgage or loan?
Complete our online enquiry form, or contact us directly via phone or email to discuss your requirements.
Can you help if I've been declined by my bank?
Yes, we work with lenders offering alternative criteria, increasing approval chances after initial rejections.
Do you charge any fees for your services?
We charge £345–£495 for residential mortgages; initial consultations are free of charge.
How much can I borrow?
Borrowing amounts depend on individual circumstances, assessed during our initial consultation.
Which lenders do you work with?
We access high street banks, building societies, and specialist lenders unavailable to the general public.
How do I make a complaint?
Contact us directly via phone or written correspondence to resolve complaints promptly and fairly.
