Honest & Straightforward Mortgage Advice
Want your best mortgage deal,fast and hassle-free?
Property Finance Choices: Mortgages that make sense
All-in-one
We’re an independent regulated mortgage
And Finance broker
Efficient
We can get your same day decisions and
funded within 7 days
Proven
We find you the loans others tell you aren’t possible
About Property Finance
Choices
Property Finance Choices is a team of experienced mortgage brokers with over 25 years of combined industry knowledge. We specialize in finding the best mortgage solutions for our clients, providing access to a diverse range of lenders, including high-street banks, private banks, specialist lenders, and funds.
Whether you’re looking to purchase a buy-to-let property, secure funding for a development project, or refinance an existing loan, we can help. Our services encompass a wide range of financing needs, from residential and commercial mortgages to bridging finance and developer exit loans. We work with both individuals and companies, including high-net-worth clients and those based overseas.
Beyond mortgages, we offer expert advice on various insurance options to safeguard your financial well-being and protect your loved ones.
At Property Finance Choices, we are committed to providing personalized service and finding the most suitable financing solutions for your unique circumstances.
Property Finance Choices is authorized and regulated by the Financial Conduct Authority (No. 923626), registered in England & Wales with company number 11305739. The registered office of the company is 3rd Floor 86-90, Paul Street, London, England, EC2A 4NE.
Find your perfect mortgage
Property Finance Choices have been matching buyers with mortgages for over 20 years. Combining attention to detail with industry knowledge, we’ll track down the deal that suits you best.
How much can I borrow?
Moving forward with your mortgage plans depends on how much you can borrow. Our industry approved mortgage calculators give you a quick and reliable indicator.
Why people choose us?
Property Finance Choices provide a trusted professional service. Our mortgage advisers love what they do, and their dedication to finding money saving mortgages lets our clients live the life they’ve always wanted.
Insurance
When you buy insurance through Property Finance Choices, the value added to your mortgage purchase really is priceless. Our protection insurance advice makes all the difference, particularly if you need to claim against critical illness during your mortgage term. Our insurance service is staffed by dedicated mortgage and protection advisers, who will shop around for the most competitive insurance product, saving you money and protecting the roof over your head too.
Why choose PROPERTY FINANCE CHOICES
Free
Choice
Personal
Trusted
Reliable
Contact Our Team
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Frequently Asked Question
There are different types of mortgages, such as:
- Fixed-rate: Payments stay the same for a set period.
- Variable-rate: Payments can go up or down depending on interest rates.
- Interest-only: You pay just the interest each month and the full amount later.
- Buy-to-let: For properties you plan to rent out.
Our mortgage advisors can help you choose the right one to match your needs.
The amount depends on factors like your income, expenses, credit score, and the value of the property.
Most lenders allow borrowing up to 4-5 times your yearly income. Use our free mortgage calculator to get an estimate or speak with one of our advisors for tailored advice.
- Residential mortgages: Typically, you’ll need at least 5% of the property’s value.
- Buy-to-let mortgages: These usually require a 25% deposit.
Larger deposits often mean better deals. Let us help you explore options that suit your budget.
The Bank of England base rate directly affects mortgage interest rates.
- If it increases, variable-rate mortgages may become more expensive.
- Fixed-rate mortgages aren’t affected until the fixed term ends.
We’ll explain how this impacts your mortgage and help you find the best deal based on current rates.
Aside from your deposit, you may need to budget for:
- Arrangement fees
- Valuation fees
- Solicitor fees
- Stamp duty
- Broker fees (but we don’t charge any fees for our service!)
We’ll help you plan for these costs so there are no surprises.
Yes, it’s possible! Some lenders specialize in helping people with poor credit.
Our team works with 70+ lenders to find the best deals, even if your credit score isn’t perfect.
A mortgage in principle (MIP) is a document showing how much a lender is likely to lend you.
- It’s useful when making offers on properties because it shows sellers you’re a serious buyer.
- It’s free to arrange with our team!
The process usually takes 2-6 weeks, depending on how quickly you provide the required documents and the lender’s timeline.
We’ll guide you every step of the way to make it as smooth as possible.
Remortgaging means switching your current mortgage to a new deal.
You might do this to:
- Get a better interest rate
- Release cash from your home’s value
- Change your payment terms
We’ll help you find the right remortgaging options at no extra cost.
Yes! Options include:
- Help to Buy: Offers equity loans to reduce the deposit needed.
- Shared Ownership: Lets you buy a portion of the property and pay rent on the rest.
We’ll explain these schemes and check if you’re eligible.
Schedule a Free Consultation
Ready to discuss your options? Call us at 020 3758 9393 or fill out the form for a no-obligation appointment.