One broker. Every type of case.
Mortgage applications are not always straightforward. We regularly support first-time buyers, contractors, limited company directors, landlords and clients with adverse credit. We assess every case individually and explain what may be realistic before an application is made.
We research lenders whose current criteria may suit your circumstances and explain the available options before you decide whether to apply.
The right deal for where you are right now.
First-Time Buyers
Your first home, properly explained. From Agreement in Principle to keys in hand, we guide you through every step and teach you what to look out for before you sign anything.
Explore First-Time Buyer MortgagesRemortgage
Your fixed rate ending soon? We review your current deal, compare the whole market, and switch you onto something better before you slip onto the standard variable rate.
Explore RemortgageBuy to Let
Standard BTL, HMOs, limited company structures, and portfolio cases. Whole of market access with lenders who understand investment finance, not just residential lending.
Explore Buy to LetSelf-Employed Mortgages
Sole traders, contractors, limited company directors, freelancers. We work with lenders who assess real income properly, including day rate, salary plus dividends, and one year of accounts where the case is strong.
Explore Self-Employed MortgagesMortgage Calculator
Get a quick view of what you could borrow, what your repayments could look like, and how rate changes affect the picture. A starting point, not a recommendation.
Open the Mortgage CalculatorThree steps, start to finish.
Free call
A 15 to 30 minute conversation. We understand your situation, run the affordability checks, and tell you honestly whether we can help.
Mortgage research
We compare suitable mortgages available through our service and explain the rates, criteria, costs and trade-offs clearly.
We handle the rest
Application, paperwork, lender liaison, and progress chasing all the way through to completion. Then we set a reminder to review your rate before the next renewal.
Advice you can trust. For life.
Regulated advice
Property Clinic Solutions is an Appointed Representative of BSL Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority.
Whole of market
90+ lenders. We choose what fits your case, not what fits a panel.
Specialist in complex cases
Self-employed, contractor day rate, adverse credit, unusual property, multiple income streams. We have placed cases other brokers refused.
Reviewed every year
We record your mortgage rate end date and aim to contact you in good time to review your options before it expires.
Mortgage questions, answered straight.
How much can I borrow?
The amount you may be able to borrow depends on your income, commitments, deposit, credit profile, property and the lender's affordability assessment. Income multiples can provide a rough indication, but they are not a guarantee. We assess affordability across suitable lenders before making a recommendation.
How much deposit do I need?
From 5% for residential, typically from 25% for buy-to-let. Larger deposits open better rates, but we will tell you the lowest viable deposit for your case.
Do you charge a mortgage broker fee?
There is no charge for your initial consultation and no mortgage broker fee is payable before completion. If your mortgage completes, a broker fee will be payable. The exact amount depends on your circumstances and will be confirmed in writing before you proceed.
What if I have adverse credit?
We work with specialist lenders who consider defaults, CCJs, missed payments, and IVAs. The right lender depends on what happened and when. We will tell you honestly what is realistic.
How long does it take?
From application to offer is typically 2 to 4 weeks. From offer to completion depends on the chain and your solicitor. We push the process at every stage.
Will applying hurt my credit score?
Decisions in principle usually use a soft search. A full application is a hard search. We sequence things to avoid unnecessary hits to your credit file.
