What We Do

Get in touch with our skilled advisors for personalised mortgage solutions that cater to your specific requirements. Contact us today for a hassle-free and straightforward chat to see how we can assist you!

Your home may be repossessed if you do not keep up repayments on your mortgage.

First Time Buyer & Home Mover Mortgages

First Time Buyers

Looking to make your step on the property ladder? Fed up renting or living at home with your parents?

We understand that buying your first property is one of the most important and expensive steps you will ever take.

At Fletcher Payne we will guide you through each step of the process from the start to finish. We will provide you with simple, clear and expert advice to help you achieve your house buying dream.

Home Mover & Porting

Outgrown your current home? Need to move to that school catchment area or do you want to upsize from your flat to a house with a lovely garden?

Moving home is one of the most stressful times of your life. Here at Fletcher Payne we use our expert knowledge and experience to find that perfect solution for you fast and effectively.

We will take away the house buying stress, liaise with the solicitors and estate agents and take care of the paperwork for you. We review your existing lender options and go back to the market to ensure all options have been explored for you.

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Remortgage

Remortgage & Product Transfer

Is your existing deal ending soon and just need a better interest rate? Need to release some equity for some home improvements, debt consolidation or to purchase an additional property?

Making sure you have the right mortgage in place is key to your personal financial planning. This may involve simply changing products or moving lender.

Fletcher Payne offers a full remortgage review, we will compare deals from both your existing lender and new lenders to ensure that we find you the perfect cost effective remortgage solution.

Further Advance

What do you mean by Further Advances?

This allows you to borrow additional funds on your current mortgage without having to go through the process of switching to a completely new mortgage deal.

To be eligible, you must have a sufficient amount of equity in your property and meet the specific requirements set by your mortgage provider.

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Self-Employed Mortgages

Self Employed

It's safe to say that out of the 4 million self-employed workers in the UK, many have probably faced issues or rejection while trying to get a mortgage. Whether you're a limited company director, an LLP partner, or a sole trader, proving your income or getting enough borrowing can be quite a challenge.

But don't fret, because that's where we come in. With over a decade of experience specializing in mortgages for the self-employed, the key to a successful application is finding the right broker who understands your business. We're here to help you tell your tale and get that dream home. No sweat, self-employed friends.

1 years accounts

If you're reading this, chances are you've either been rejected for a mortgage due to insufficient trading history or you're uncertain about the requirements for getting approved. We understand your predicament, as securing a mortgage with less than 2 years of accounts can be challenging. However, there is good news – more lenders are now willing to consider applicants with just one year of accounts. That's where we can help! Our company specializes in finding the best deals from all lenders, giving you an advantage in your mortgage application. Let us make the process easier for you!

CIS

Our response to CIS? Absolutely YES! We are thrilled to have assisted countless CIS subcontractors in purchasing their ideal home.

For our valued clients, the following situations are standard:

Being self-employed for less than a year.
Having a 5% deposit.
Residing in the UK for less than 3 years Earning a high day rate with low net profit.
As long as you are enrolled in the CIS Scheme, have at least 3 months of consistent payments, and possess a decent credit record, we can help secure a mortgage offer based on your average day rate.
No need to fret if you've had a few minor credit hiccups in the past or still need to complete your first self-assessed tax return - we've got you covered!

Influencer

Is it possible for me to obtain a mortgage as an influencer? Rest assured, it is absolutely possible to get a mortgage as an influencer. Your income from social media, endorsements, marketing, and sponsorships are all valid sources of income that can be considered for mortgage applications. The main hurdles may lie in demonstrating consistency and providing proper documentation, but as long as you can provide evidence in the required manner, there are certainly options available for you.

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Contractor Mortgages

Contractors

Many people may label it as a "Contractor Mortgage", but really it's just a regular mortgage with a regular lender and a normal interest rate. The key is finding the right contractor mortgage specialist who understands your unique situation and way of working.

Applying for a mortgage as a contractor, whether you're a Limited Company owner, Umbrella Employee, or on a Fixed Term contract, can feel like a daunting task. But to simplify things, as long as you meet our criteria as a "Contractor," we can use your contract as proof of income and ignore those pesky Limited Company accounts or payslips.

Fletcher Payne specialise in mortgages for contractors and freelancers and we have over 20 years experience in working with contractors and freelancers helping them achieve their mortgage goals

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Buy to Let Mortgages

Buy To Let & Let to Buy

Looking to venture into your first buy to let purchase? Not sure whether to purchase via a Limited Company buy to let or your personal name? Or do you simply need to renew your interest rate on your existing buy to let property or portfolio?

Are you looking to switch your residential mortgage onto a buy to let mortgage to assist with your onward purchase?

It is essential that you have the right buy to let mortgage in place to ensure that you make the most of your financial venture.

Fletcher Payne have access to a comprehensive range of mortgages from across the market.

We will analyse your options and help you successfully secure a competitive buy to let for needs and circumstances

Holiday home & Second Home

Dreaming of buying that holiday cottage by the sea? Need an additional property if you work away in the week? Or do you want a pied de Terre for the weekends?

A mortgage for a holiday home that you intend to let out differs to a mortgage for a second home that only you will use.

We will provide you with impartial, clear and expert advice to help you plan and successfully achieve that next property purchase.

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Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.

Specialist Mortgages

Bad Credit Mortgages

Struggling to secure a mortgage due to a less than perfect credit score? Look no further! With Fletcher Payne we provide speedy bad credit mortgage solutions that are tailored to your specific needs. Our services include specialized plans for those with CCJ's, defaults, and missed payments, giving you access to the entire mortgage market. Our team of experienced experts boast a high success rate in securing adverse credit mortgages, along with exclusive rates and numerous 5* reviews. Don't let your credit history hold you back from owning your dream home - contact Fletcher Payne mortgage broker today for customized solutions.

Shared ownership & Forces Help to Buy

Struggling to get on the ladder due to property prices in your area? Do you need more deposit to help you buy?

The government offers multiple help to buy initiatives to help you to turn your property dream into a reality.

Fletcher Payne can talk you through the schemes in a little more detail and go through the options to help you decide what best suits you.

Professional

Are you a qualified professional with a mixture of income or working through a LLP? Have you recently graduated and are just starting out in your profession?

Having a complex mix of income can result in you not meeting the usual standard mortgage criteria requirements.

Using our many years of experience and expertise we will make an individual case for your precise circumstances and approach the underwriters direct to get a bespoke pre approval secured for you.

Self Build

Have you always wanted to build your own home?

The main difference between a self build mortgage and a traditional mortgage is that a self build mortgage, releases money in stages - in arrears or advance - as the build progresses, rather than as a single amount lump sum amount.

There are several different mortgages available depending on your project requirements and individual circumstances. Fletcher Payne will walk you through these options and assist you to achieve that funding to make your self build project a reality.

Expats

Have you relocated abroad and let your property out? Are you looking to purchase an investment property here in the UK?

Lending options can be restrictive and expensive for Expats. Using our excellent specialist lender relationships we will work with the lenders on your behalf and secure a competitive solution for you.

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