Business Details
11 Years
experience
Expert Mortgage Advice with a Tailored Service
Caplon Property Finance Property Finance is a dedicated mortgage advisory service established in 2015, specialising in complex mortgage scenarios and high-value property finance solutions. Our team, led by qualified financial advisor Daniel Emerson, combines extensive industry experience with a personalised approach to deliver tailored mortgage advice. We pride ourselves on building strong relationships with clients and lenders, ensuring a deep understanding of individual financial circumstances to secure optimal mortgage products.Our expertise spans residential mortgages, buy-to-let investments, large loan mortgages, equity release, and mortgage protection. We are committed to transparency, ethical practices, and long-term client satisfaction, operating under the regulatory oversight of the Financial Conduct Authority. Our approach prioritises client needs through detailed consultations, market analysis, and bespoke financial solutions.
Services
Residential Mortgages
Buy-to-Let Mortgages
Large Loan Mortgages
Equity Release
Mortgage Protection
Portfolio Landlord Services
Limited Company Borrowing
HMO Financing
Remortgaging Services
Financial Planning
Details
- Year established: 2015
Highlights and features
- We specialise in complex mortgage scenarios with over 15 years' experience in high-value property finance
- We offer whole-of-market access to 95% of UK mortgage lenders
- Our FCA-authorised advisors provide transparent, jargon-free guidance
- We maintain direct relationships with major lending institutions
- We deliver bespoke solutions for unique financial circumstances
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Excellent throughout the process
Superb in every aspect
Outstanding service
Genuinely kind and trustworthy
Went above and beyond
Services
Residential Mortgages
We provide tailored residential mortgage solutions for first-time buyers and experienced homeowners. Our expertise covers high-value mortgages, interest-only options, and offset mortgages. We analyse your financial situation to recommend products that balance competitive rates with long-term flexibility, ensuring suitability for your specific circumstances and future goals.
Buy-to-Let Mortgages
Specialist financing solutions for property investors at all levels. We handle portfolio landlords, limited company borrowing, and complex cases like HMOs and semi-commercial properties. Our approach considers rental yields, tax implications, and portfolio growth strategies to secure mortgages that maximise investment returns while meeting regulatory requirements.
Large Loan Mortgages
Tailored financing for complex high-net-worth scenarios exceeding 5m. We navigate multiple income streams, sophisticated financial structures, and unique properties to create robust applications. Our expertise in lender criteria and market trends ensures successful outcomes for clients with demanding mortgage requirements and non-standard financial profiles.
Equity Release
Specialist advice on releasing property equity for homeowners over 55. We explain lifetime mortgages, home reversion plans, and retirement mortgages while considering tax implications and inheritance impacts. Our impartial approach ensures you receive balanced recommendations between equity release and alternative mortgage solutions that best suit your financial objectives.
Mortgage Protection
Comprehensive risk management solutions to protect your mortgage commitments. We offer life cover, critical illness insurance, and income protection tailored to your circumstances. Our advice ensures appropriate coverage levels and policy structures to safeguard your family's financial security against unforeseen events while maintaining mortgage affordability.
People
Daniel Emerson
Director
Qualified financial advisor with over 15 years' experience in complex mortgage solutions. Holds Diploma in Mortgage Studies and Equity Release Certificate. Recognised by lenders for expertise in high-value mortgages and commitment to client-focused service. Established Caplon Property Finance Property Finance in 2015 to provide personalised mortgage advice.
Questions
What mortgage options exist for complex financial situations?
We specialise in complex cases including multiple income streams, international assets, and non-standard properties. Our FCA-authorised advisors create tailored applications that meet lender criteria while addressing your unique circumstances.
How do you help property investors with multiple mortgages?
We offer portfolio mortgage solutions, limited company borrowing options, and strategic refinancing for landlords with three or more properties. Our expertise includes HMO financing and tax-efficient structures for property portfolios.
What equity release alternatives exist?
While we offer equity release advice, we also explore standard residential mortgages and other financial products. Our whole-of-market approach ensures balanced recommendations based on your age, equity position, and long-term financial goals.
How does your mortgage process work?
We begin with a detailed consultation to understand your objectives. After initial product indications, we prepare a comprehensive application, present tailored options, and manage the process to completion using our lender relationships.
Are your mortgage advisors qualified?
Our advisors hold industry-recognised qualifications including the Diploma in Mortgage Studies. We maintain FCA authorisation through Rosemount Financial Solutions and participate in ongoing professional development to stay current with market changes.
