Business Details
24 Years
experience
Trusted Mortgage Brokers in Newcastle upon Tyne
Innovate Mortgages and Loans Mortgages and Loans has been operating since 2002, with over 100 years of combined experience in the mortgage and loans industry. Our team has assisted thousands of customers, leveraging extensive knowledge to navigate the complexities of mortgage and finance markets. We prioritise tailored solutions, ensuring products align with individual client circumstances while maintaining a commitment to exceptional customer service. Our expertise spans residential mortgages, buy-to-let financing, bridging loans, and equity release, supported by access to a diverse panel of lenders.We adhere to rigorous regulatory standards, operating under the authorisation of the Financial Conduct Authority (FCA), and maintain transparency in all client interactions. Our fee structure is clearly defined, with charges applicable only upon submission of applications. By combining market insight with a client-centric approach, we aim to deliver reliable, informed financial solutions.
Services
Residential Mortgages
Buy-to-Let Mortgages
Bridging Loans
Second Charge Loans
Equity Release
Protection Insurance
Details
- Year established: 2002
Highlights and features
- We have over 20 years of experience in mortgage and loan solutions.
- Our tailored approach ensures products match individual client circumstances.
- We access 80+ lenders, including exclusive market options.
- Transparent fee structure with no hidden charges.
- FCA-regulated for compliance and client protection.
Associations and certifications
- Financial Conduct Authority
Services
Residential Mortgages
We specialise in residential mortgage solutions tailored to individual circumstances. Our expertise includes first-time buyer assistance, remortgaging, and adverse credit scenarios. By accessing a wide panel of lenders, we secure competitive rates and flexible terms to suit diverse financial situations.
Buy-to-Let Mortgages
Our buy-to-let mortgage service caters to property investors seeking competitive financing. We support first-time landlords, portfolio holders, and those with complex income structures. Our approach includes long-term partnership strategies and access to specialist lenders for high-value or non-standard properties.
Bridging Loans
Bridging loans provide short-term funding for property purchases, refurbishments, or auctions. We connect clients with lenders offering flexible terms and rapid approvals. Our expertise ensures suitable solutions for time-sensitive transactions or transitional financial needs.
Second Charge Loans
Second charge loans offer affordable borrowing against property equity. We facilitate debt consolidation, home improvements, and tax-efficient funding. Our partnerships with master brokers ensure competitive rates and repayment flexibility for amounts starting at 10,000.
Equity Release
In partnership with Age Partnership, we provide equity release solutions for homeowners over 55. Options include lifetime mortgages and home reversion plans, offering tax-free lump sums or income while retaining property rights and inheritance 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 access alternative lenders with different criteria to find solutions for adverse credit or complex cases.
What fees do you charge?
We charge £345–£495 for residential mortgages and £345 for second charge loans. Initial consultations are free.
How much can I borrow?
Borrowing amounts depend on individual circumstances, assessed during our initial consultation with you.
Which lenders do you work with?
We partner with high-street banks, building societies, and specialist lenders unavailable to the public directly.
How do I make a complaint?
Contact us directly via phone or written correspondence. Unresolved issues may be referred to the Financial Ombudsman Service.
