Business Details
Trusted Mortgage Brokers in Kent
We are specialist property finance brokers with over 25 years of experience, providing independent mortgage advice across the UK. Our team of qualified advisers focuses on delivering tailored solutions for residential, commercial, and investment property financing. As an FCA-regulated firm, we prioritise transparency, offering access to over 100 lenders while maintaining a client-centric approach. Our expertise extends to complex cases, including buy-to-let portfolios, holiday let mortgages, and probate loans.We combine technical knowledge with practical guidance, ensuring clients receive competitive deals without hidden fees. Our services are conducted remotely via phone and email, supported by a deep understanding of property law, taxation, and development finance. We pride ourselves on building long-term relationships through reliable, jargon-free advice.
Services
Buy-to-Let Mortgages
Holiday Let Mortgages
Commercial Mortgages
Probate Loans
Bridging Loans
Development Finance
Remortgage Services
Self-Employed Mortgages
Commercial Property Mortgages
SPV Mortgage Solutions
Highlights and features
- Over 25 years of specialist mortgage experience
- FCA regulated for client protection
- Access to 100+ lenders nationwide
- Specialists in complex financing cases
- Transparent fee structure with no hidden costs
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional service
Highly recommended
Professional and practical
Stress-free experience
Award-winning expertise
Services
Buy-to-Let Mortgages
Specialist financing for property investors with portfolios of four or more rental properties. We provide tailored solutions for portfolio landlords, including limited company structures and SPV arrangements. Our expertise covers mortgage applications requiring detailed portfolio schedules and income verification.
Holiday Let Mortgages
Mortgage products specifically designed for Airbnb and furnished holiday let properties. We offer competitive rates for both purchase and remortgage applications, with expertise in navigating tax implications and lender-specific criteria for holiday rentals.
Probate Loans
Short-term financing solutions for executors and beneficiaries requiring immediate access to estate funds. These loans are secured against estate assets without personal guarantees, ideal for covering inheritance tax or estate administration costs.
Bridging Loans
Flexible funding for property purchases requiring quick completion, including auction purchases and refurbishment projects. We arrange both open and closed bridging loans with loan-to-value ratios up to 100% in specific scenarios.
Commercial Mortgages
Financing solutions for purchasing or refinancing commercial properties, including guest houses and holiday parks. Our services cater to owner-occupied commercial premises and investment properties with specialist underwriting requirements.
People
Norman Phillips
Managing Director
With over 25 years in mortgage broking, Norman specialises in complex financing solutions. He leads strategic decision-making and handles challenging cases requiring creative financial structuring.
Rachel O'Brien
Operations Director
Rachel oversees daily operations and ensures efficient service delivery. Her expertise in mortgage compliance and process management maintains the firm's high service standards.
Mark Lanario
Senior Specialist Consultant
Mark has specialised in holiday let and development finance since 2006. He provides expert guidance on financing strategies for holiday properties and commercial developments.
Kerry Santucci
Senior Mortgage Consultant
An award-winning broker with specialist knowledge in residential and buy-to-let mortgages. Kerry manages client relationships and ensures tailored mortgage solutions for first-time buyers and investors.
Sean Horton
Digital Marketing Consultant
Sean oversees the firm's digital presence and marketing strategy. As co-owner, he ensures technological innovation enhances client accessibility and service delivery.
Questions
Do you offer mortgages for first-time buyers?
Yes, we provide tailored mortgage solutions for first-time buyers, including guidance on affordability and government schemes.
Can you help with buy-to-let portfolio mortgages?
Yes, we specialise in portfolio mortgages for landlords with four or more properties, including limited company structures.
Do you charge fees for mortgage advice?
We charge a mortgage arrangement fee between £495-£850, with no additional fees for life cover or critical illness advice.
Can you assist with holiday let mortgages?
Yes, we specialise in holiday let mortgages for Airbnb and furnished rental properties across the UK.
Are your services available outside Kent?
Yes, while based in Kent, we provide mortgage services nationwide through remote consultations via phone and email.
Do you offer probate loan solutions?
Yes, we arrange probate loans secured against estate assets, helping executors cover inheritance tax and administration costs.
