At Advance Financial Consultants Ltd, we provide clear, ethical, and FCA-compliant mortgage advice tailored to your personal and financial circumstances. Whether you are buying your first home, moving home, investing in a buy-to-let, or searching for a better remortgage deal, our advisers guide you through every step with transparency and professionalism.
As an mortgage adviser, we compare products from a wide range of lenders to secure the most suitable mortgage solution for you—based on your credit profile, income, affordability, and long-term goals.
Buying your first home can feel overwhelming. Our advisers simplify the entire journey from affordability assessment to mortgage approval. We help with:
If you are selling your existing property and purchasing a new one, we assess whether you should:
We ensure a smooth transition so you can move home confidently.
Many homeowners remortgage to secure a better interest rate or raise capital for personal or business use.
We offer advice on remortgaging for:
Better rates after an initial fixed period
Home improvements
Debt consolidation (carefully assessed for suitability)
Equity release through standard remortgage
Changing mortgage type (interest-only vs repayment)
Benefits of a remortgage:
Potentially lower monthly payments
Avoiding standard variable rate (SVR) increases
Access to funds for renovations or investments
Whether you are a new landlord or an experienced property investor, we provide access to a wide panel of buy-to-let lenders.
We advise on:
• Individual BTL mortgages
• Limited company buy-to-let
• Portfolio landlord lending
• HMOs and multi-unit freeholds
• Short-let/Airbnb mortgages (subject to lender criteria)
• Interest-only vs repayment strategies
We assess:
• Rental coverage
• Stress testing requirements
• Tax considerations (you should seek separate tax advice)
Many lenders have strict criteria for self-employed clients. We specialise in helping applicants with non-standard income.
We can support:
• Sole traders
• LLP partners
• Directors of limited companies
• Contractors (IT, construction, medical, etc.)
• CIS workers
• Applicants with fluctuating income
We work closely with lenders who understand complex income structures and can consider retained profits and dividends.
Even if you have credit issues, you may still be able to secure a mortgage.
We help clients with:
• Late payments
• Defaults
• CCJs
• IVA or debt management history
• Bankruptcy (subject to time elapsed)
Our advisers check lender-specific criteria to find the most suitable options based on your credit profile.
We also provide advice on:
• Shared Ownership
• Right to Buy
• New Build Mortgages
• High Net Worth Mortgages
• Expat and foreign income mortgages
• Green mortgages
• Bridging finance & short-term lending (non-regulated where applicable)
We explain lender rules around:
• Repayment vehicles
• Pension-backed strategies
• Investment-backed mortgages
• Downsizing plans
We ensure your repayment plan meets lender and FCA requirements.
Every mortgage needs suitable protection to ensure your family and home are safeguarded if the unexpected happens.
We assess your needs and recommend:
• Life insurance
• Critical illness cover
• Income protection
• Family income benefit
• Buildings & contents insurance
Understanding your goals, income, credit status and affordability.
We manage the full process including valuation and underwriting.
We compare lenders and mortgage products.
We liaise with the lender, solicitor and estate agent to ensure smooth completion.
Providing clear documentation outlining rates, fees and terms.
• Your home may be repossessed if you do not keep up repayments on your mortgage.
• Some buy-to-let mortgages are not regulated by the FCA.
We work closely with leading UK lenders and insurers to find the best deals available — saving you time, money, and unnecessary stress.
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Mortgage Services
Protection Services
01895806515 / 02037500056
ruchi@advancefinancial.co.uk
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