Here is a selection of schemes available. For further information just click a scheme. To receive advice on the most suitable scheme available to meet your circumstances, either contact us on Freephone 0800 074 6918 or submit an Enquiry Form.   1 - Adverse Credit Mortgages 2 - Secured loans 3 - Flexible and current account mortgages 4 - Non status and Self certified mortgages 5 - Foreign National Mortgages 6 - Income stretches 7 - Buy to let mortgages and remortages 1 - Adverse Credit Mortgages Up to 95 % of valuation to £500,000 Adverse Credit mortgages If you have had problems with credit in the past such as CCJ's, arrears, defaults, IVA, bankruptcy or simply have had difficulty obtaining credit for any reason, we have access to schemes which can meet your needs at competitive interest rates. or click here to fill in our enquiry form. 2 - Secured loans Up to 125% LTV for any purpose to £100,000 Secured Loans This is a method of capital raising from your existing property. There are no restrictions on how you spend your money. Clear all your existing credit cards, overdrafts and unsecured loans and replace them with just one manageable monthly payment. In many cases our clients save hundreds of pounds each month and still have money left over for home improvements, a car or a holiday. We can arrange a loan for up to 125% of your properties value. or click here to fill in our enquiry form. 3 - Flexible and current account mortgages For purchases, mortgages and buy to let Flexible and Current Account mortgages These schemes are, without doubt, the most cost effective and efficient means to repay a mortgage. You can offset your savings against the mortgage borrowing, with interest on the net balance calculated on a daily basis. You can make overpayments and underpayments and truly manage your mortgage in a manner which suits your cash flow. or click here to fill in our enquiry form. 4 - Non status and Self certified mortgages Up to 90% of valuation with little or no proof of income to £500,000 Non-Status or Self-Certified mortgages For those who are self employed and unable to prove sufficient income or for those who are employed with non-guaranteed bonuses and commission, it is possible to arrange mortgage finance for up to 90% of the purchase price or valuation, without having to prove your income and at extremely competitive interest rates (Clients must be able to demonstrate affordability at the initial mortgage review). or click here to fill in our enquiry form. 5 - Foreign National Mortgages Up to 80% loan to value non status Foreign National mortgages An ideal investment opportunity now exists for Foreign Nationals and offshore investment companies looking to invest in UK property. We are able to offer both residential and buy to let schemes up to 80% of purchase price. Schemes are now available to employed or self employed individually and Limited Companies on a full or non status basis. or click here to fill in our enquiry form. 6 - Income stretches Up to 95% with a multiple of up to 4.2 times salary up to £500,000 Income Stretches Due to the relationships we have developed with many high street lenders, subject to satisfactory credit rating we can offer up to 4.2 times provable income for loans up to 95% of purchase price or valuation. Even larger income stretches are available at lower loan to values. (Clients must be able to demonstrate affordability at the initial mortgage review). or click here to fill in our enquiry form. 7 - Buy to let mortgages and remortages Up to 85% of valuation Buy to let mortgages & re-mortgages. For existing landlords and new investors we have schemes available up to 85% of purchase price or valuation where the only income proof required is in the form of expected rental income. Typically the monthly rent should be at least 125% of the monthly mortgage payment in order to qualify. or click here to fill in our enquiry form. We are a team of highly experienced and professional Independent Mortgage Consultants operating and abiding by the "Mortgage Code of Conduct". We offer full advice and a recommendation as to the most suitable mortgage available to meet your circumstances. In today's market place, there is a vast choice of lenders and mortgage schemes. At first glance, for most clients it would seem an impossible task to find the right scheme for them. With over 100 years of combined experience and state-of-the-art computer technology allowing daily updates on all lenders' schemes, we can ensure that you receive quality advice, and a recommendation as to the best possible current scheme available to meet your circumstances.