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Mortgages and financing

The finance you need at the lowest possible interest rate

Finding the perfect mortgage or loan can be quick and easy when you have the right advice.

We have the industry contacts and long-term relationships to source and arrange a mortgage1 or loan that meets your precise requirements, by your deadline.

We arrange financing for private individuals, landlords, property developers, businesses, charities and not-for-profit organisations in all manner of circumstances.

Whatever it is you need, we can help.

Mortgages for your residential, buy-to-let, commercial or international properties

When you are buying a property, we’ll identify the mortgages1 that best fit your needs, in your timeframe, from the huge range available to you.

We do this after analysing your requirements and financial circumstances. We operate from the whole of the market ensuring that you are always securing the most appropriate deal. Considering that the majority of lenders don’t appear on the high street, this saves you significant time and effort as we ensure we get it right for you first time and very time.

Three months before your mortgage deal ends, we aim to review your position and the mortgages available to you.  Then, we’ll recommend whether you should stay with your current lender or move to a new lender with better terms.

Bridging finance for a few days, weeks or months

If you have an urgent need for short-term cash, bridging finance can be a good option.

If you own a residential or commercial property in the UK, you can use it to secure a loan1 for anything from a month to a year.  Bridging finance is available for any amount ranging from £26,000 to £millions depending on the value of your property.

You will get a quick response, a superb rate and efficient turnaround because of our strong relationships with lenders.

Finance for developers

If you are building a property or development, we can arrange funds by securing a loan on your project.

We’ll make sure you are fully informed about how the loan will work, including what will happen if you are unable to repay the debt in time.

You’ll be able to weigh up the potential risks and rewards before making any commitment.

Specialist mortgages for buy-to-let and houses of multiple occupancy

You may find it difficult to obtain a mortgage1 for certain buy-to-let properties or houses with multiple occupants.  This is because they do not fit many lenders’ criteria.

We work with specialist lenders who will offer mortgages for these types of properties.

You’ll find the mortgage that fits your needs through our whole-of-market approach.

Secured or second charge lending on properties already mortgaged

If you need to raise money and want to secure it on a property that already has a mortgage, you could consider a second-charge loan1.

You may need this because you don’t want to ask your current lender for more money or because they’ve already declined your request.

If it is possible for you to get a second-charge loan, we’ll make it happen.  We have strong relationships with lenders so we can obtain a quick response and a market-leading rate for you.

We have secured second-charge loans in all types of difficult circumstances.

Asset and lease finance

You can raise money by securing it on personal or business assets.

We’ve arranged short and long-term loans secured on art, valuable equipment, marine vessels and aeroplanes as well as property.

Once we understand how much money you need and the length of time you need it, we’ll be able to recommend the lenders and products that suit you best.

Invoice discounting

If your business needs money now and you’re waiting for your customers to pay, you can secure a loan on outstanding invoices.

We can recommend specialist lenders who’ll understand the cashflow issues your business faces and provide the funds you need.

How we will work with you

We’ll meet with you for a review so we understand your needs, circumstances and financial situation.

Then, we’ll use our industry contacts to source mortgages or loans that best fit your needs.  As part of our research, we’ll assess the affordability of every product for you.

When we arrange a mortgage or loan for you, we’ll agree our fee at our initial meeting.  We may be paid directly by you or the lender or partly-paid by both.

You will be fully informed of our fee structure before you make any commitment.  And, in the unlikely event that we don’t deliver, we’ll fully refund your fee.

For more information or help from one of our mortgage specialists, please contact us using our enquiry form.


All insurance, protection and mortgage advice will be provided by our affiliated FCA registered company: Integral Private Finance Services Limited.

Integral Private Finance Services Ltd is an appointed representative of Intrinsic Mortgage Planning Limited, Registered in England 5372217. Wakefield House, Aspect Park, Pipers Way, Swindon, Wiltshire, SN3 1SA. Intrinsic Financial Services is a holding company, subsidiaries of which are authorised and regulated by the Financial Conduct Authority.