The Mortgage You Need, Faster Than You Thought Possible.

Typical offers land within 2 to 4 weeks of application on straightforward cases, and we've placed urgent cases significantly faster where lenders and valuations align. We'll give you a realistic timeline on the first call rather than an optimistic one you'll have to forget later.

Yes. Self-employed directors, contractors, CIS workers, dividend-heavy earners and clients with international income all sit well within our expertise. We use lenders who consider retained profits, day rates and bonus income properly, rather than the narrow PAYE-focused calculators on the high street.

A fixed fee of £499 applies on standard residential cases, payable on issuance of the mortgage offer. For more complex cases, £249 is due on application with the balance on offer, and higher fees may apply on bespoke adverse or high-value cases. The fee is always agreed with you in writing before any advice is given.

Commercial and development finance is handled by our sister firm, AB Specialist Finance (ABSF), which holds the specific regulatory permissions for non-regulated lending. Same office, same team, different panel. You can read more on our Commercial / Bridging page or enquire directly with ABSF.

Not at all. CCJs, defaults, IVAs, DMPs and discharged bankruptcy are all placeable with the right specialist lender. We run soft searches first to protect your credit file, and only apply where we're confident of approval. A perfect score helps, but a clear explanation and the right lender matters more.