Mortgage Products
It does not matter if you are a first time buyer, moving house, looking to remortgage, buy to let, self employed or have a poor credit history preventing you from getting a mortgage, by contacting us we can save you time and money by arranging whatever mortgage you require.
A mortgage is often the biggest financial commitment you make so it’s important that you get it right. A mortgage is often the biggest financial commitment you make so it’s important that you get it right. We empanelled with Panel of 250+ lenders in the UK
“We aim to help you find a mortgage suitable for your needs. Availability of products and lenders is subject to eligibility and criteria.”
First Time buyers
Getting the right mortgage deal first time around is vital for your financial future. Buying a home can be complicated enough as it is, and that’s without trawling through the varying deals different providers offer. At Finsso, our advisors will give you honest and dependable advice. We also guarantee that we’ll find you a product that’s perfectly suited to your needs, giving you peace of mind that you’ve got the perfect mortgage on your first home.
Sometimes, the rules that specify who qualifies as a first-time buyer aren’t completely straightforward. Usually, if you’ve never owned a residential property before in the UK or abroad, or you’ve only owned a commercial property (such as a shop or office premises), you may qualify as a first-time buyer.
However, eligibility can vary depending on the lender or specific mortgage scheme. For example, if a homeowner is buying a house for you in their name, or you’re buying a property jointly with someone who has owned a home before, you will generally not qualify as a first-time buyer.
Please note that qualification criteria differ between lenders and schemes, so it’s important to seek advice about your individual circumstances.
“We strive to find a mortgage product that suits your individual circumstances. However, we cannot guarantee product availability or approval.”
Re-Mortgages
Re-mortgaging can offer several potential benefits, including the possibility of reducing your monthly repayments. While saving money is often a key advantage, a new deal might also provide more flexibility in how you repay your mortgage and potentially lower interest rates.
Our advisers will listen to your needs, research a wide range of deals available on the market, and explain your options clearly. We aim to make the re-mortgaging process easier for you by guiding you through the available products.
Please note that the availability of specific deals and the benefits you may receive depend on your individual circumstances and lender criteria.
“We will help you explore your options to find a mortgage that meets your needs. Savings and benefits depend on individual circumstances.”
Moving Home
Moving home can be a stressful experience, and understanding what to do with your mortgage during this time can be challenging. Whether you’re transferring your existing mortgage or looking for a new one, the process can sometimes be complex.
Our advisers are here to help you understand the options available when moving home and assist you in finding a mortgage product that may suit your needs, helping to make this part of your move easier.
Typically, you may have the option to transfer your current mortgage to your new home or to apply for a new mortgage deal, which could sometimes offer better terms. However, the best option for you will depend on your individual circumstances and lender criteria.
To discuss your situation and explore the best mortgage options for your move, please contact us for personalized advice.
“We recommend seeking comprehensive financial and legal advice to fully understand all implications when moving home.”
Buy to let Mortgage
Buy-to-let mortgages operate differently from standard residential mortgages. They typically have higher interest rates and require larger deposits, which can make it challenging to determine the most suitable deal for your circumstances.
Some forms of buy-to-let mortgages, and most commercial mortgages, are not regulated by the Financial Conduct Authority, meaning they do not have the same level of consumer protections as regulated products.
We provide personalised advice tailored to landlords’ individual needs and aim to help you understand the options available. However, it is important to seek appropriate advice and carefully consider whether a buy-to-let mortgage is suitable for you, given the risks involved.
“Some Buy-to-Let mortgages and most Commercial Mortgages are not regulated by the Financial Conduct Authority (FCA), meaning different consumer protections apply.”
Bridging Loans
A bridging loan is a short-term loan designed to help “bridge the gap” between selling one property and buying another, allowing you to complete the purchase of a new property before selling your existing one.
Bridging loans are typically time sensitive and can carry higher interest rates and fees than standard mortgages. They may not be suitable for everyone, so it is important to understand the potential risks and costs involved.
Our partners will work to identify bridging loan options that may suit your needs and explain all relevant information clearly, including any fees, interest rates, and repayment terms.
Please note that the availability of bridging loans and the terms offered depend on your individual circumstances and lender criteria. We encourage you to seek full advice to make an informed decision.
“Bridging loans are short-term and often high-cost loans which may not be suitable for everyone. Full details will be provided to help you make an informed decision.”
Commercial Mortgage
A commercial mortgage is a loan used to purchase property that is not intended for residential use, such as offices, restaurants, factories, and other business premises.
Finsso advisers who have extensive experience in the commercial mortgage market. They tailor their advice to your specific situation and aim to help you understand how you can improve your chances of qualifying for a commercial mortgage. While we strive to find a mortgage that suits your needs, there is no guarantee that any particular product will be available or suitable.
Please note that most commercial mortgages, and some forms of buy-to-let mortgages, are not regulated by the Financial Conduct Authority (FCA). This means these products do not benefit from the same consumer protections as regulated mortgages.
Commercial mortgages often have different eligibility criteria and risks compared to residential mortgages. We recommend seeking full, personalised advice to ensure you understand the options and risks involved before making any decisions.
“Commercial mortgages are generally not regulated by the FCA and may not offer the same protections as residential mortgages.”
Secured Loans
A secured loan enables you to borrow funds by using an asset you own—typically your property—as collateral. It is important to understand that if you fail to maintain repayments, the lender may have the right to repossess the secured asset to recover the outstanding debt.
To qualify for a secured loan, you will generally need to possess an asset whose value exceeds the amount you intend to borrow.
Our advisers will take the time to thoroughly understand your individual circumstances and requirements, and will explore the market to identify lending options that may be suitable for you. While we strive to provide comprehensive and transparent advice, please be aware that we cannot guarantee the availability of any specific product or that any loan will meet all your expectations.
Given the inherent risks associated with secured borrowing—including the potential loss of your home or other assets—it is essential to seek tailored advice. This ensures you fully appreciate the implications and can make an informed decision that aligns with your financial objectives.
“Secured loans use your property or other assets as security. Failure to keep up repayments could lead to repossession or loss of your asset.”
Self-employed Mortgages
Whether you’re a builder, plumber, contractor, or tattooist, applying for a mortgage as a self-employed individual often involves more detailed documentation and additional checks compared to standard mortgage applications.
While there is no separate “self-employed mortgage” product—everyone applies through the same process—lenders typically require more evidence of income and financial stability from self-employed applicants.
Most lenders will expect at least two years’ worth of accounts or tax returns to assess your application, although some specialist lenders may consider applications with just one year of accounts. Having more than two years of financial documentation can often strengthen your application and potentially improve the mortgage terms offered.
We can help guide you through the complexities of the application process, assisting you in preparing the necessary paperwork and understanding what lenders require.
Given the additional challenges self-employed applicants may face, we strongly recommend seeking personalised advice to ensure you are well-prepared and to maximise your chances of securing a suitable mortgage.
“There is no specific ‘self-employed mortgage’; however, applications require additional documentation such as tax returns or accounts.”
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