Business Details
20 Years
experience
Your Trusted Mortgage Broker in Rhyl, Wales
Established in 2006, Top Mortgage Solutions operates as a trusted mortgage advisory service, offering tailored solutions to meet diverse client needs. Our team of experienced advisors provides comprehensive guidance across a wide range of mortgage products, including home movers, remortgages, equity release, buy-to-let, and self-employed mortgages. With access to over 60 mortgage lenders, we prioritise transparency and simplicity, avoiding industry jargon to ensure clients fully understand their options. We specialise in addressing complex scenarios such as adverse credit histories and commercial mortgages, while maintaining a commitment to regulatory compliance under the Financial Conduct Authority. Our clients benefit from working directly with qualified advisors throughout the entire process, from initial consultation to completion and beyond.We offer free, no-obligation consultations to help clients make informed decisions about their mortgage choices. Our services extend across the UK mainland and Northern Ireland, supported by a network of offices in Rhyl and Southampton. We also provide access to secured loans, bridging finance, and commercial mortgages, ensuring a holistic approach to property finance. Our advisors are equipped to handle unique cases, including equity release for those aged 55+, and collaborate with trusted third-party specialists when necessary. This dedication to personalised service and regulatory adherence has solidified our reputation as a reliable mortgage brokerage.
Services
Mortgage Advice
Remortgage
Equity Release
Buy to Let
Self-Employed Mortgages
Adverse Credit Mortgages
Commercial Mortgages
Bridging Finance
Secured Loans
Will Writing
Details
- Year established: 2006
Highlights and features
- We have over 15 years of experience in mortgage advisory services since 2006
- We provide access to exclusive mortgage rates from 60+ lenders
- Our clients work directly with qualified advisors throughout the entire process
- We offer specialist solutions for self-employed applicants and adverse credit cases
- We are regulated by the Financial Conduct Authority for mortgage and insurance mediation
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Expert advice
Personalised service
Comprehensive solutions
Professional team
5.0 Google rating
Services
Mortgage Advice
Our mortgage advice service provides comprehensive guidance across 60+ lenders, helping clients find suitable mortgage products for home purchases, remortgaging, or equity release. We specialise in complex cases including self-employed applicants and adverse credit histories. Our qualified advisors offer ongoing support throughout the entire mortgage process.
Equity Release
We offer equity release solutions for clients aged 55+ to access tax-free cash from their property. Our lifetime mortgage options include lump sum, drawdown, and interest-only plans. We provide impartial advice to ensure clients understand how these products affect their estate and potential state benefits.
Buy to Let
Our buy-to-let mortgage service caters to property investors seeking competitive rates and flexible terms. We offer solutions for both experienced landlords and first-time investors, with access to specialist lenders. We provide guidance on portfolio management and tax-efficient structures.
Self-Employed Mortgages
We specialise in mortgage solutions for self-employed individuals, including sole traders, partnerships, and limited company directors. Our service accommodates varying income structures and provides access to lenders that accept one year's accounts. We offer competitive rates and flexible criteria.
Remortgage
Our remortgaging service helps clients reduce monthly payments, release equity, or switch to more suitable mortgage products. We compare rates across 60+ lenders to find optimal solutions. We provide guidance on exit fees and new mortgage terms.
Questions
What mortgage products do you offer?
We offer home mover mortgages, remortgages, equity release, buy-to-let, self-employed mortgages, adverse credit mortgages, commercial mortgages, bridging finance, and secured loans.
Can you help self-employed applicants?
Yes, we specialise in self-employed mortgages and work with lenders that accept one year's accounts, offering competitive rates and flexible criteria.
Do you provide equity release advice?
We offer lifetime mortgage equity release solutions for clients aged 55+, including lump sum, drawdown, and interest-only options.
Are your services regulated?
Yes, we are authorised and regulated by the Financial Conduct Authority for mortgage and insurance mediation activities.
How do you charge for mortgage advice?
We offer free, no-obligation consultations. Our fees vary depending on the complexity of the mortgage product and lender arrangements.
Can you help with adverse credit mortgages?
Yes, we work with specialist lenders to provide mortgage solutions for clients with adverse credit histories, including County Court Judgments and past bankruptcies.
