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Bespoke Financial Solutions
Tailored financial advice that will allow you to achieve your personal financial goals. We provide holistic financial advice on mortgages insurance and work with a range a bespoke providers and highsteet lenders.
No impact on your credit score
Your Path to Homeownership Starts Here
How to get started - Our simple 4 step process
Step 1
Complete a initial enquiry form
Step 2
Our expert advisors will contact you to discuss your requirements.
Step 3
We'll provide you with holistic advice, taking into consideration your future goals.
Step 4
We will initiate your financial plan.
Personal Financial Advice
We have a large variety of lenders on our panel that each have their own distinct products and lending criteria. This frequently implies that we have access to things that aren't commonly found on the main street. Whatever your scenario, our incredible team of highly qualified mortgage advisors will use their expertise to try and save you both time and money by finding you the best possible deal for your circumstances.
Take a look at our great client reviews to get a true sense of the high levels of customer service we constantly aim to deliver. We will always keep you up to date and strive to deliver you a stress-free mortgage advice service.
As a timely and quick Mortgage Brokers, we will provide complete support and direction throughout your home buying or remortgaging procedure. We will do everything possible to alleviate any anxieties you may have throughout our service and will answer all of your questions as thoroughly as possible. We truly hope that you will find us useful during your process, as we are adaptive to your mortgage requirements.
When you deal directly with a bank or lender, you will have far less options than if you speak with a mortgage broker. Banks and other lenders will only have access to their own deals and products, however we can search through 1000s of deals across our panel, selecting the best one for you and your circumstances.
Our professional and devoted mortgage and protection staff is well-versed in various lenders' requirements and products. As a Mortgage Broker, we can look around for these packages, completing the legwork on your behalf. This saves you time and money by avoiding the need to speak with different lenders.
Overcoming any mortgage obstacles that arise can be difficult at times. At this point, you should consult with a reliable and trusted mortgage advisor.
Customers with a low credit score, being self-employed, falling outside of lender criteria, and having a low borrowing capacity, to name a few. While challenges exist, as a mortgage broker, we can typically assist.
Our Mortgage Advisors have assisted a wide range of consumers in a variety of situations. We give comprehensive mortgage guidance in a variety of situations by leveraging our extensive understanding of mortgage lender criteria.
We offer a free mortgage appointment to all of our customers, new and old, as a well-known Mortgage Broker with a reputation for being open, honest, reliable, and responsive.
During this appointment, your designated Mortgage Advisor will review your situation and discuss your goals. Our customers are our top priority, and as a mortgage broker, we'll make sure to recommend the greatest available deal to you while also relieving your stress.
Request your free mortgage or remortgage review today, and we'll see how we can assist you on your mortgage journey!
Common Questions
What is the process of getting a mortgage?
To help us understand your mortgage requirements and the kinds of products avaiable, your first task is to complete our mortgage fact find.
After that, we will schedule a meeting for you with a mortgage advisor so they can gather a few additional details from you.
Then, to improve your chances of the seller accepting your offer, we can set up an Agreement in Principle for you in less than 24 hours.
We may begin the mortgage application process once you’ve chosen your ideal house and are satisfied with our mortgage advice. More than three weeks may pass before a formal mortgage offer is made, during which time we will keep you updated on the status of your application.
When should I start the mortgage process?
We advise our applicants to get an Agreement in Principle (AIP) as soon as possible. When viewing properties, having an AIP can improve your chances of being approved by the seller. Additionally, it can present a chance for a price negotiation.
What documents do I need to get a mortgage?
During the mortgage application, you’ll be asked to provide the following documents,
– Latest 3 Payslips (Employed), Last 2 years’ Accounts (Self-Employed) – Latest 3 Months’ Bank Statements – Latest P60 – Photographic ID
How long does it take to get a mortgage?
Your free mortgage consultation should last between 30 and 60 minutes, to start. Within 24 hours of this being finished, your mortgage advisor will secure an AIP on your behalf. We can submit your mortgage application after that, if you’re happy to move forward with the arrangement that your advisor has suggested. The average turnaround time for a formal mortgage offer is 3 weeks.
I'm self employed, can I get a mortgage?
If you self-employed while submitting your mortgage application in the UK, you must provide at least one year’s worth of financial records. As mortgage broker, we’ve discovered that the majority of lenders determine the maximum mortgage amount you can borrow using your salary plus dividends. However, some lenders might base their decision on your net earnings.
I have bad credt, can I get a buy to let mortgage?
The good news is Yes, you can obain a bad credit buy to let mortgage, although it is important to note, the interest rates charged by the lender will be higher.
Bespoke Financial Solutions is a trading style of Assetlend Ltd which is fully authorised and regulated by the Financial Conduct Authority (FCA) (Registration Number: 810886). Assetlend Ltd (Company Number: 11309449) is registered in England and Wales with registered address Suite 3, 2nd Floor, 760 Eastern Avenue, Newbury Park, London, IG2 7HU. Assetlend Ltd is registered as a data controller with the Information Commissioner’s Office under registration number ZA481977. Legal Entity Identification Number: 894500BLKHMVELTHFY09. Bespoke Financial Solutions is a broker and not a lender.
The Financial Conduct Authority does not regulate all aspects of Commercial and Buy to Let Mortgages.