Business Details
Trusted Mortgage Brokers in Basingstoke
H L S A Financial Services is a family-run business with a reputation for delivering exceptional service standards, integrity, and consistency. Our team of highly skilled mortgage advisors and administrators work closely with clients to guide them through the entire mortgage process, from initial consultation to completion. With access to a comprehensive panel of over 90 lenders, including high street and specialist providers, we offer impartial advice tailored to individual circumstances. Our expertise spans first-time buyer mortgages, home mover solutions, remortgaging, and buy-to-let investments, with a particular focus on securing competitive rates and navigating complex scenarios such as adverse credit or limited company mortgages.Based in Basingstoke, we serve clients across Hampshire, Surrey, London, Cardiff, and nationwide through face-to-face, telephone, and online consultations. Our commitment to transparency, combined with a 99% mortgage application approval rate, has earned us 46 five-star reviews and a strong reputation for resolving challenges efficiently, even intervening directly with lenders to ensure timely completions.
Services
Home Mover Mortgages
First Time Buyer Mortgages
Remortgaging
Buy to Let Mortgages
Limited Company Mortgages
Low Credit Score Mortgages
Commercial Mortgages
Bridging Finance
Adverse Credit Mortgages
Shared Ownership Schemes
Highlights and features
- We achieve a 99% mortgage application approval rate through lender relationships
- No upfront broker fees with transparent 1,000 fee structure
- Access to 90+ lenders including specialist adverse credit options
- Avoid wasted time with pre-qualification checks before applications
- Cover all UK areas with local expertise in Hampshire and Surrey markets
Associations and certifications
- Financial Conduct Authority
What people say
Professional and dedicated service
Quick identification of best deals
Transparent communication throughout
Stress-free mortgage process
Excellent responsiveness
Services
First Time Buyer Mortgages
Specialist guidance for first-time property purchases, including high loan-to-value mortgages requiring 5-10% deposits. We explain fixed, tracker, and discounted rate options while ensuring affordability assessments consider future commitments. Our advisors help maximise deposit impact through local market knowledge in Hampshire and Surrey.
Buy to Let Mortgages
Tailored solutions for property investors, including interest-only options and portfolio management. We assess rental income viability against lender stress tests at 5.5% interest rates, with expertise in securing low-deposit commercial mortgages for expanding portfolios across the UK.
Remortgage Services
Expert refinancing advice to reduce monthly payments or release equity. We specialise in seamless transitions before fixed-rate periods end, with access to deals offering savings on existing terms while considering exit fees and new rate stability.
Adverse Credit Mortgages
Specialist support for clients with credit challenges, including County Court Judgments or past arrears. We work with niche lenders offering flexible criteria while providing practical advice to improve creditworthiness during the application process.
Commercial Mortgages
Tailored financing solutions for business property needs, including limited company buy-to-let mortgages. Our advisors handle complex affordability assessments considering corporate financials and director shareholding structures to secure competitive commercial lending terms.
People
Zakia
Lead Mortgage Advisor
Experienced mortgage specialist with 15+ years in residential and buy-to-let financing. Recognised for achieving 99% application success through lender relationships and client-focused solutions. Manages complex cases including adverse credit and portfolio landlords.
Lyle Berends
Investment Mortgage Specialist
Property portfolio expert with track record securing rapid completions for time-sensitive investments. Specialises in high-net-worth client services and commercial mortgage structuring with a focus on tax-efficient lending solutions.
Questions
What mortgage types do you specialise in?
We specialise in first-time buyer, home mover, remortgaging, buy-to-let, adverse credit, and limited company mortgages, with access to 90+ lenders.
How do you help clients with poor credit scores?
Our specialist panel includes lenders accepting adverse credit histories, with advisors experienced in securing mortgages for complex financial situations.
What fees apply to your mortgage services?
A transparent £1,000 broker fee applies (250 on application, 750 at offer), with no upfront charges before mortgage completion.
How quickly can you complete a mortgage application?
Our average completion time is under three weeks, with some cases processed in as little as 14 days through direct lender collaboration.
Do you offer online mortgage consultations?
Yes, we provide nationwide online support alongside face-to-face meetings in Basingstoke, Fleet, Reading, and Hook.
