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Mortgages / BTL

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Mortgages

Promise Money is both a broker and a packager placing complex cases on behalf of other brokers. This means we have direct working relationships with specialist lenders which most brokers can’t access.

So you get access to both our specialist mortgage panel for those complex scenarios plus a mortgage panel which represents the whole market when you just want a great low rate.

Whether you need full mortgage advice or just to talk to an underwriter about possible options, there is someone here with many years of experience to help you.

Complete an online enquiry form and we will get in touch to provide some indicative figures to consider.

Under our mortgage offering we can help with the following, and probably many scenarios we have not included: 

Residential mortgages

  • Access to low rate high street mortgages
  • Complex & multiple incomes
  • First time buyers
  • Older borrowers
  • Current & historic adverse
  • Debt management plans, IVAs & bankruptcy
  • Payday loans can be considered
  • Lenders who don’t credit score
  • Lending into retirement
  • Guarantors
  • 1 year self-employed
  • Applicants in probation periods
  • Contractors
  • Help to Buy schemes
  • Shared ownership
  • Right to Buy

Buy to Let Mortgages

  • Mainstream and specialist lenders
  • Limited companies and portfolios
  • Expats
  • First-time landlords
  • No minimum income
  • No credit score
  • Lending into retirement
  • Current & historic adverse
  • Let to Buy
  • HMOs
  • Multi-unit blocks
  • Holiday lets
  • Student lets
  • Properties over commercial
  • Multi-let on one title
  • Adjoining properties
  • Non owner occupiers

As well as mortgages don’t forget we have in house experts and both mainstream and specialist lenders for secured loans, commercial mortgages, bridging and development finance. 

Remember.

Your bank may have 100’s of products and plans to offer
Promise Money has over 10,000

There really is no need to look elsewhere.

    Find a mortgage

    Enter some details and we’ll compare thousands of mortgage plans – this will NOT affect your credit rating.

    How much you would like to borrow?

    £

    Type in the box for larger amounts

    For how long?

    yrs

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    Is this a remortgage or purchase?

    What is the property value?

    £

    Mortgage balance outstanding (if applicable):

    £

    How quickly do you need the mortgage?

    Are there any features or considerations which are important to you?

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    More than 50% of borrowers receive offers better than our representative examples. The %APR rate you will be offered is dependent on your personal circumstances.
    Mortgages and Remortgages secured on your home
    Borrow £270,000 over 300 months at 7.1% APRC representative at a fixed rate of 4.79% for 60 months at £1,539.39 per month and thereafter 240 instalments of £2050.55 at 8.49% or the lender’s current variable rate at the time. The total charge for credit is £317807.66 which includes £2,500 advice / processing fees and £125 application fee. Total repayable £587,807.66
    LOANS SECURED ON YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

    Promise Money is a broker not a lender. Therefore we offer lenders representing the whole of market for mortgages, secured loans, bridging finance, commercial mortgages and development finance. These loans are secured on property and subject to the borrowers status.

    More than 50% of borrowers receive offers better than our representative examples

    The %APR rate you will be offered is dependent on your personal circumstances.

    Mortgages and Remortgages

    Representative example

    Borrow £270,000 over 300 months at 7.1% APRC representative at a fixed rate of 4.79% for 60 months at £1,539.39 per month and thereafter 240 instalments of £2050.55 at 8.49% or the lender’s current variable rate at the time. The total charge for credit is £317,807.66 which includes £2,500 advice / processing fees and £125 application fee. Total repayable £587,807.66

    Secured / Second Charge Loans

    Representative example

    Borrow £62,000 over 180 months at 9.9% APRC representative at a fixed rate of 7.85% for 60 months at £622.09 per month and thereafter 120 instalments of £667.54 at 9.49% or the lender’s current variable rate at the time. The total charge for credit is £55,730.20 which includes £2,660 advice / processing fees and £125 application fee. Total repayable £117,730.20

    THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

    REPAYING YOUR DEBTS OVER A LONGER PERIOD CAN REDUCE YOUR PAYMENTS BUT COULD INCREASE THE TOTAL INTEREST YOU PAY. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

    Promise Money is a trading style of Promise Solutions Ltd – Company number 04822774
    Promise Solutions, Fullard House, Neachells Lane, Wolverhampton, WV11 3QG

    Authorised and regulated by the Financial Conduct Authority – Number 681423
    The Financial Conduct Authority does not regulate some forms of commercial / buy-to-let mortgages

    Website www.promisemoney.co.uk