Receive expert financial advice and explore the best home loans, including options for BTL Self Employed Bad Cred, Buy to Let, Bridging, and Remortgage, along with comprehensive mortgage services.
Services
Home Purchases & Refinances
First-time buyer mortgages are designed specifically for individuals purchasing their first home. Whether you're buying a flat or a house, this type of mortgage helps you secure a property even with a smaller deposit, typically starting from 5% of the purchase price.
Remortgages allow existing homeowners to switch to better interest rates or release equity from their property, making it a great option for those looking to improve their financial situation.
*Buy-to-let mortgages are tailored for property investors purchasing homes to rent out. These typically require larger deposits and may have different affordability criteria, especially for those who are self-employed or have bad credit.
Contractor and self-employed mortgages offer greater flexibility for borrowers with irregular or non-traditional income, often requiring more detailed financial documentation.
Home mover mortgages support people who are relocating, with some lenders offering porting options to transfer an existing mortgage to a new property.
For those in need of specialist mortgages, we provide financial advice and support clients in unique situations – from adverse credit (CCJs, defaults, bankruptcy) to self-employed contractors and freelancers with complex incomes. Our mortgage services also extend to buy-to-let and portfolio landlords, including limited company and HMO investors. Additionally, for property investors and developers, we arrange bridging, development finance, and lending on unusual properties such as non-standard construction, above commercial premises, or unique titles.
Protection
Mortgage protection is essential for anyone considering home loans, as it helps safeguard your financial security when taking out a mortgage. Life insurance can be a crucial part of this protection, as it pays off the mortgage balance if you pass away during the term of the policy, thus protecting your family from financial strain. Additionally, critical illness cover provides a tax-free lump sum if you're diagnosed with a serious medical condition covered by the policy, which can assist with mortgage payments and other expenses. For those who may find themselves unable to work due to illness or injury, income protection offers monthly payments, ensuring you can continue to meet your mortgage and living costs. This peace of mind is invaluable, as these protection options significantly reduce financial risk and offer security for you and your loved ones during difficult times. A mortgage advisor can provide financial advice and help you find tailored plans, including options for BTL self employed bad cred buy to let and bridging remortgage, to suit your specific needs and circumstances.
*Commercial
Owner-occupied commercial mortgages are specifically designed for businesses purchasing premises they intend to operate from, such as offices, warehouses, or retail units. These options are ideal for those seeking financial advice on home loans tailored to their needs. Commercial investment mortgages, on the other hand, are suitable for investors looking to buy commercial properties to rent out, including office buildings, shops, or industrial spaces, even if they are self-employed or facing bad credit. Development finance provides short-term funding used for property construction, refurbishment, or large-scale redevelopment projects. Bridging loans offer temporary financing to bridge the gap between buying a new property and selling an existing one, or while securing long-term funding, making them a great solution for buy to let investors. Each type of commercial finance, including remortgage options, can be structured to meet specific business goals or investment strategies.
*Please note that not all products on this website, including BTL Self-Employed Bad Cred Buy to Let Bridging Remortgage options, are regulated by the Financial Conduct Authority. Consequently, the protection that applies to regulated products does not extend to these offerings. For tailored financial advice regarding home loans and mortgage services, it is essential to consider the regulatory status of each product.
Hello
Welcome to Wiser Mortgages, your trusted partner for mortgage services and solutions. Explore our tools and expert financial advice to find the right home loans for you—whether you’re seeking options for your first house, BTL self employed bad credit scenarios, buy to let opportunities, or bridging and remortgage solutions. We hope you enjoy our site and invite you to get in touch with us!
