Bluebells in Linford Wood, Milton Keynes

Specialist mortgages

Complex mortgages made simple. Whether you’re looking at buy-to-let, portfolio options, bridging loans, or self-builds, our team gives you the clarity and confidence to secure a specialist mortgage.

You’re interested in
a buy-to-let mortgage

You’re interested in a buy-to-let mortgage

You’re a landlord in need of advice navigating buy-to-let mortgage options. We explain your options, helping you choose the right mortgage for your portfolio. Our team makes the process simple and easy-to-navigate, so you can focus on your investment.

You’re a landlord
with multiple properties

You’re a landlord with multiple properties

You manage multiple properties and need bespoke advice as a portfolio landlord. From remortgaging existing holdings to arranging new finance options, we make sure your portfolio strategy is practical, achievable, and in line with your future goals.

You need advice
on bridging loans

You need advice on bridging loans

You want to move quickly or fund a property purchase between transactions. We review bridging loan options, explain how these work in the short- and long-term, and give professional advice on how they affect your long-term plans.

You’re considering
a self-build mortgage

You’re considering a self-build mortgage

You’re planning to build your own property and need advice and clarity. We guide you through mortgage options, costs, and the other practical considerations, so you can build confidently from the right financial foundations.

Please note: Will writing is a referral service. Will writing is not regulated by the Financial Conduct Authority.

Some bridging finance and most Buy to Let mortgages are not regulated by the Financial Conduct Authority.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

How we work

The Collective Way

When it comes to mortgages, no two journeys are alike. This is why our mortgage process is structured and supportive, whilst completely designed around you. From our first conversation to the moment you have your keys in hand, we clearly guide you through every step. This is The Collective Way.

1. Clarify

We start with an initial fact-finding meeting to understand you, your circumstances, and what you’re looking to achieve. It’s a conversation, not a sales pitch, and it starts with listening.

2. Collate

We gather the details we need and carry out the research behind the scenes, including sourcing lenders, securing an agreement in principle, and preparing your mortgage application.

3. Consider

At our second meeting, we talk you through your options and explain our mortgage recommendation clearly. If you’d like time to reflect, that’s absolutely fine – there’s no pressure.

4. Create

Once you’re comfortable, we submit your full mortgage application and take care of the practicalities. We also support you with introductions to solicitors, surveyors, and will writers as needed.

5. Cover

In our third appointment, we complete a health questionnaire and discuss protection, ensuring your home and future plans are properly safeguarded should the unexpected happen.

6. Care

From application to completion and beyond, we stay close. We’ll keep you updated, handle queries as they arise, and remain on hand as your property journey evolves.

How we work