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  • Regulated specialist 170+ lender broker

Do you need a specialist mortgage advisor?

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Specialist Mortgage Advisor

You Need to Know What Type of Advisor You Need

Every client needs to understand what type of advisor you need and when speaking to the advisor find out what he can offer.  For some people, a high street advisor may be suitable and adequate for their requirements, as they only need a little assistance in processing an application for a high street bank.

However other people may need a specialist mortgage advisor due to being rejected by the high street, and their existing broker not having access to specialist lenders or the specialist knowledge to assist with your requirements. If this is the case, you need to find a specialist mortgage advisor who understands complex cases and has access to specialist lenders and the ability and understanding to help these types of clients.

Sbl Financial is a Specialist Mortgage Advisor  

We have access to a large selection of high street lenders and specialist firms and have over 155+ to choose from, which means we have typically more options than your normal residential broker and specialize in more complex cases and situations.

What is The Process in Understanding What We Need?

  • We will do an in-depth fact find surrounding your whole circumstances.
  • A full analysis of your credit file and any issue identified with it.
  • A review of all supporting documentation

170+ Lenders and Counting

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Why sbl Financial

Expert advice, maximum choice, market leading service

Access to over 170+ lenders means a solution for most people

Experienced team able to offer out of the box thinking

Email and online service

Face-to-face and out of hours appointments

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Being a specialist mortgage advisor

  • We can help all types of issues that may not typically be accepted by high street lenders, along with some exclusive or semi exclusive deals that may not also be available with other advisors. We can help with the following scenarios.
  • Adverse Credit, people with arrears, ccj, defaults, discharged bankrupt, IVA and credit impaired.
  • Complex applications, more than 2 applicants on one mortgage, ex pa, Visa
  • Unusual or non-conforming properties, high rise, deck access, concrete construction
  • Various types of income self-employed 1-year accounts
  • Previous declines declined with previous broker or at your bank.
  • Auction purchases, 30-day purchase deadlines
  • Bridging and development

Mortgages and loans for all types of scenario and requirements, we have access to many products and solutions for the following situations please see a list below of a sample of what we can offer as a specialist mortgage advisor.

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Why You Need A Specialist Residential & Commercial Mortgage Adviser

When a residential mortgage or a commercial mortgage application has been denied, the only option left is to get a specialist mortgage. Whether it is a residential mortgage or a commercial mortgage a Specialist Mortgage Advisor in London can help secure a loan with reasonable terms.

Specialist Residential Mortgage

Residential mortgages are loans taken with residential properties as security. If a loan application for a residential mortgage is denied, all is not lost. With the aid of a Specialist Residential Mortgage Adviser in London, a specialist residential mortgage can be taken out.

Specialist Commercial Mortgage

Commercial loans are more complicated as compared to residential loans. As such lenders will have a lot of factors to consider. If a loan request for a commercial mortgage has been denied, a Specialist Commercial Mortgage Adviser in London and help secure a specialist commercial mortgage.

Securing Specialist Mortgages With Specialist Mortgage Broker in London

If an application for a residential mortgage is denied, then the next step is to go for a specialist residential mortgage through a Specialist Mortgage broker in London. A residential mortgage application can be denied due to:
  • Poor credit report or problems with credit history
  • Employment status of the borrower
In any case, a Specialist Residential Mortgage Broker in London will be able to find the right lender for any situation. There are specialist lenders for just such situations.

Buy to Let

  • Adverse
  • No minimum income
  • First time landlord
  • High Rise
  • Portfolio landlord and HMO
  • Ex Pat
  • Light refurb
  • Bridge purchase and Buy To let approved exit.
  • Second charge capital raising on residential to raise deposit for buy to let purchase.

Residential

  • Adverse
  • Multi applicants
  • 1-year accounts
  • Ex pat
  • Multi income streams
  • No credit scoring lenders
  • Lenders who do not use debt to income on affordability.
  • Higher lending income multiples

Second charge secured loans

  • Second charge loans for capital raising and debt consolidation or tax bills.
  • Can be second charges on residential or buy to let.
  • Up to 100% on residential
  • Up to 85% on Buy to let
  • Capital or interest only options
  • 10k to 150k can be larger on referral
  • More flexible attitude to income and adverse credit

With more and more people not fitting the high street banks criteria and having more complex situations to sort out. It has never been more important to find a specialist mortgage advisor and here at sbl financial we are waiting to help you and show you what solutions we can offer.

Your home may be repossessed if you do not keep up repayments on your mortgage or loans secured on it.
The FCA does not regulate Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.
The information contained within this website is subject on the UK regulatory regime and is therefore targeted at consumers based in the UK

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR LOANS SECURED ON IT. SBOWLING LTD T/A sbl financial 927268 is an appointed representative of Connect IFA Ltd 441505 which is authorised and regulated by the Financial Conduct Authority and is entered on the financial services register ( https://register.fca.org.uk/ ) under reference 927268.  Sbowling Ltd trading as sbl financial registered address is 36 Martinet Drive, Cherque Farm, Lee on the Solent, PO13 8GP. Registered in England No. 11599666.  The FCA do not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.

sbl financial typically charge a minimum fee of £350 up front and £850 on completion, more complex cases may have a fee of up to 1.5%. Initial consultation is always free. 

It is our intention to provide you with a high level of customer service at all times.  If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to: Compliance Department, Connect IFA LTD, 39 Station Lane, Hornchurch, RM12 6JL or call: 01708 676110.  If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk. 

We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the Financial Conduct Authority. 

We offer a comprehensive range of mortgages from lenders across the market but not deals that you can only obtain by going direct to a lender.

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