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The complete lending solution for property investors

Mortgages / BTL

Mortgages


Promise Money is both a broker and a packager placing complex cases on behalf of other brokers. This means we have direct working relationships with specialist lenders which most brokers can’t access.

So you get access to both our specialist mortgage panel for those complex scenarios plus a mortgage panel which represents the whole market when you just want a great low rate.

Whether you need full mortgage advice or just to talk to an underwriter about possible options, there is someone here with many years of experience to help you.

Complete an online enquiry form and we will get in touch to provide some indicative figures to consider.


Under our mortgage offering we can help with the following, and probably many scenarios we have not included: 

Residential mortgages

  • Access to low rate high street mortgages
  • Complex & multiple incomes
  • First time buyers
  • Older borrowers
  • Current & historic adverse
  • Debt management plans, IVAs & bankruptcy
  • Payday loans can be considered
  • Lenders who don’t credit score
  • Lending into retirement
  • Guarantors
  • 1 year self-employed
  • Applicants in probation periods
  • Contractors
  • Help to Buy schemes
  • Shared ownership
  • Right to Buy

Buy to Let Mortgages

  • Mainstream and specialist lenders
  • Limited companies and portfolios
  • Expats
  • First-time landlords
  • No minimum income
  • No credit score
  • Lending into retirement
  • Current & historic adverse
  • Let to Buy
  • HMOs
  • Multi-unit blocks
  • Holiday lets
  • Student lets
  • Properties over commercial
  • Multi-let on one title
  • Adjoining properties
  • Non owner occupiers

As well as mortgages don’t forget we have in house experts and both mainstream and specialist lenders for secured loans, commercial mortgages, bridging and development finance. 


Remember.

Your bank may have 100’s of products and plans to offer
Promise Money has over 10,000

There really is no need to look elsewhere.

Find a mortgage

Enter some details and we’ll compare thousands of mortgage plans – this will NOT affect your credit rating.

How much you would like to borrow?

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For how long?

yrs

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By submitting any information to us, you are confirming you have read and understood the Data Protection & Privacy Policy. All loans and mortgages will be sold by Promise Money. We share up to 35% of any income we earn with the named affilliate on this website.

Mortgages and Remortgages

Representative example

£80,000 over 240 months at an APRC OF 4.3% and a discounted variable annual interest rate for two years of 2.12% at £408.99 per month followed by 36 payments of £475.59 and 180 payments of £509.44. The total charge for credit is £39,873 which includes a £995 broker / processing fee and £125 application fee. Total repayable £119,873.

Secured / Second Charge Loans

Representative example

£63,000 over 228 months at an APRC OF 6.1% and an annual interest rate of 5.39% (Fixed for five years – variable thereafter) would be £463.09 per month, total charge for credit is £42,584.52 which includes a £2,690 broker / processing fee. Total repayable £105,584.52.


THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

REPAYING YOUR DEBTS OVER A LONGER PERIOD CAN REDUCE YOUR PAYMENTS BUT COULD INCREASE THE TOTAL INTEREST YOU PAY. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.


If you have been introduced to Promise Money by a third party / affiliate, Promise may pay them a share of any fees or commission it earns. Written terms available on request. Loans are subject to affordability status and available to UK residents aged 18 or over.