Residential Mortgages

First Time Buyers

Buy to Let

Self Employed

Whether you are a first-time buyer or looking for another property, buying a new home can seem like a daunting and expensive process.

Here at Berks Finance, we pride ourselves on a service designed to save you both time and money, as well as ensure we find the right mortgage suited to your needs, completed on time.

Whether you are self-employed with only one year of accounts, a professional with no tax return, or you have a poor credit history/CCJs; our team will find the right mortgage lender for you. We work with specialist mortgage providers who assess your mortgage application individually, rather than using a general approach, finding the right source of mortgage for you.

Our advice is free, and our quotes carry no obligation. If you would like to enquire, our advisers are available and are only a phone call away.

What we do

Mortgages for first time buyers
Buy to let properties
Self-employed individuals
Self-build properties
Expat mortgages
Mortgages for foreign nationals

FIRST TIME
BUYERS

First time buyers

Buying a house for the very first time is one of the most exhilarating feelings and is a big achievement. The good news is that mortgage lenders are keen on first-time buyers, resulting in widely available mortgage schemes.

Given the complexity and various types of mortgage options available in the market for first-time buyers, it is encouraged to seek professional advice.

At Berks Finance, we select the best deals from every lender in the country for first-time buyers.

Our advice is free, and our quotes carry no obligation. If you would like to enquire, our advisers are available and only a phone call away. You can also request a call back.

TAILORED MORTGAGEs FOR FIRST TIME BUYERS

Mortgage up to 95%
Adverse credit
Self-employed with only one year of accounts
Expats
Government Shared Ownership scheme
Government Right to Buy scheme
Government Right to Acquire scheme

BUY TO LET

A buy-to-let mortage is sold to those who buy property as an investment to rent out to other tenants and earn rental income, rather than to live in. The Buy-to-Let market has boomed, reaching an all-time high with lenders introducing various types of Buy-to-Let mortgage products which has made Buy-To-Let financing more complicated and overwhelming. It is crucial that you secure the right type of Buy-to-Let mortgage to suit your individual needs.

Berks Finance prides itself on having a wealth of experience in selecting the best buy to let mortgage deals from a vast range of lenders, from high street to niche lenders operating in the market. Whether you are an experienced landlord or a first-time investor, we can find a lender that can offer the right mortgage deal for you.

Our advice is free, and our quotes carry no obligation. If you would like to enquire, our advisers are available and are only a phone call away. You can also request a call back.

TAILORED BUY TO LET MORTGAGES

Mortgage up to 85%
No personal income requirement
First time landlords
First time buyers
Up to 80% mortgage for student let and holiday let
Interest only option for full term of loan
First time HMO landlords
Buy to let mortgages for expats

Self-Employed

In the current mortgage climate, many people are having difficulties obtaining a mortgage, especially self-employed mortgages. For many self-employed people, whether you are a sole trader, company director, or contractor, sourcing a mortgage has become more challenging with the removal of the self-certification mortgage system in 2014, following the FCA changes. Most lenders now require three years of certified trading accounts and SA302 forms or a tax overview to prove you have a reliable income.

Despite this, some lenders can offer a solution if you do not have all documentation required. Our team can source these lenders for you and provide expert advice on how to complete your mortgage application in this circumstance.

Our advice is free and you can talk to us as many times as you want before deciding to proceed with us. If you would like to enquire, our advisers are available and are only a phone call away. You can also request a call back.