Personal mortgage advice for first-time buyers, home movers and landlords. Based in Peterborough and Cambridge, we help clients across the UK find a mortgage that suits their needs.
Expert mortgage advice for first-time buyers, home movers and homeowners looking to remortgage. We’ll help you explore your options and find a suitable mortgage for your circumstances.
Mortgage solutions for more complex circumstances, including self-employed applicants, landlords, property investors and those with adverse credit. Our experienced advisers can help you navigate specialist lender criteria.
Explore your options for releasing equity from your home later in life. Our advisers will explain how equity release works, the potential costs and implications, and whether it could be suitable for your circumstances.
Protect the people and things that matter most with suitable life insurance, critical illness cover, income protection and home insurance. We’ll help you understand your options and choose cover based on your needs.
With more than 51 years of combined industry experience, our team brings extensive knowledge of mortgages, protection products and lender requirements. We use that experience to help you understand your options and find a solution suited to your individual circumstances.
No two borrowers are exactly alike. Whether you're a first-time buyer, homeowner, landlord, property investor or self-employed applicant, we take the time to understand your circumstances before making a recommendation. Our focus is on finding a mortgage that works for your needs, rather than taking a one-size-fits-all approach.
We offer mortgage products from a range of lenders, allowing us to consider different rates, products, lending criteria, service levels and timescales when assessing your options. We'll explain our recommendation clearly so you understand why a particular mortgage may be suitable for you.
Finding a suitable mortgage is only part of the process. Our team supports you through the mortgage application journey, helping you navigate lender requirements, paperwork and the steps towards completion. When you have questions, you'll have an experienced team available to help.
Whatever your next move, BMFC is here to help you understand your mortgage and protection options and make an informed decision.
At Bespoke Mortgage & Finance Centre (BMFC), we provide personalised mortgage and protection advice to first-time buyers, home movers, homeowners, landlords and property investors across Peterborough, Cambridge and throughout the UK.
With over 51 years of combined experience in the mortgage and protection industry, our advisers understand that every client’s circumstances are different. We take the time to understand your needs, financial situation and future plans before recommending a suitable solution from the range of lenders and products available to us.
Whether you’re buying your first home, moving house, remortgaging, expanding a property portfolio or looking for protection for you and your family, we’re here to make the process easier to understand and manage.
Our service is designed around you. You can speak with our mortgage advisers from the comfort of your home or workplace, by telephone or email. From exploring your mortgage options and understanding lender criteria to submitting your application and progressing it towards completion, you’ll have experienced support throughout the journey.
If you are experiencing financial difficulty and struggling to make repayments, then you can contact your lender who may be able to help taking account of your individual circumstances. You may want to contact one of the free impartial money guidance and debt advice services such as Step Change, Citizens Advice, or Turn2Us.
If you have a complaint or dispute with us, please contact the BMFC team. We have a complaints procedure that is available on request and we treat complaints seriously.
Telephone: 01733 331 603
Email: info@bmfcltd.co.uk
Write to: Bespoke Mortgage & Finance Centre Ltd, Unit 10C Tesla Court, Innovation Way, Lynch Wood, Peterborough, PE2 6FL.
You can make a complaint to our network Sesame. Please contact them on the details below:
Write to: The Customer Relations Department, Sesame Limited, Fourth Floor, Jackson House, Sibson Road, Sale, M33 7RR.
Email: CustomerRelations@sbg.co.uk
Telephone: 0345 0456 800 (Mon-Fri 9.00 am to 5.00 pm)
Our role is to help you to purchase your property, to walk you through the process of tailoring the mortgage, right the way through the process. From fact-finding, where we gather your personal and financial details, looking at the property, is there anything unique about the property which could affect which lenders we go to? And it’s really understanding you as a client where you are, and what your goals are in relation to the mortgage, be it a first-time buyer or an investor.
The main reason to use a broker is because they have a good understanding of the market, what lenders’ requirements are. By going directly to your bank for a mortgage, they may not understand you as a client properly and they will have a more limited number of products they can offer you.
If you’re self-employed, you may not understand the full benefits of dividends, why you take them. There could be retained profits in the business that can be used to enhance how much you can borrow.
So it’s really, the broker who will dig into your income to understand where you are, what can be used, if you’re a contractor, if you’re a CIS worker, or if you’re a self-employed director. So he’s looking at you looking at your income as a whole entity.
Whereas, the lender may only take your salary into account, not taking full understanding of the retained profits and why you don’t take them, but he has an income that you can take.
Lenders will look at the available credits on your credit file, how much of that credit you’re using, and then look at your debt to income ratio, which can affect their lender offering.
Now some lenders do credit scoring, some lenders do credit searching, and that varies per lender. A mortgage broker will talk you through your credit file, if it needs tidying up and cleaning up to get you to where you need to be. The mortgage broker will work with you to get you to the goal of obtaining that property. This could be through advice on how payday loans and CCJs affect your credit score and how long you have to wait so they no longer have a negative impact.
I would recommend you speak with a Broker very early on in the process. If you’re starting to look at properties, your first port of call should be to speak to a broker, have an initial discussion with them, explain to them where you are, what it is you’re looking to do. Most brokers will not charge a fee for an initial consultation, but it’ll get an understanding of where you are, and what support you need, going forward, and what you may have to do to enhance and improve your ability to get that mortgage.
We have clients whose circumstances are different. One of our clients, we worked with them for 18 months, helping them clean up their credit file. We did this through removing the use of payday loans and applying to have the CCJ removed from the public register/credit file. We did this through a ‘certificate of cancellation’ from the County Court, providing them with proof of payment, so our client was ready to buy a property.
Most people come, I would say, two to three months before they’re looking to buy a property, to get an understanding of what the market is, what their requirements are, and also where they are income-wise.
It’s frustrating for customers, if they have found a property, fallen in love with it and then find they cannot actually afford it.
It could be, they’ve had a change in circumstances, in which we need to understand what impact that would have on them with paying the mortgage. Some lenders may require three months’ pay slips, or three months’ employment within that company.
Some lenders are happy to work on a signed contract of employment due to start within the next month. So it does vary per lender as to what they will and won’t accept.
We can introduce you to solicitors to help with the legal side of your property purchase. The FCA does not regulate solicitors. For solicitors we act as introducers only.
We provide advice on protection such as life insurance, critical illness cover and income protection, helping you consider financial support for your household if you die, become seriously ill or are unable to work.
We can also introduce you to a provider for buildings and contents insurance. For Buildings & Contents we act as introducers only.
Give your broker a call, speak to them, find out how they work. We offer a one-to-one service, so when we submit the application, we will look after you right the way through to completion.
We give you an update every week, with regards to what’s going on, we’ll speak to the solicitors. Any forms you have that you are not sure of, give us a call. Don’t be afraid to ask any questions, because it’s all about supporting you through the process.
We do applications every day. You purchase a property every now and then. So don’t be afraid to ask your broker any questions, regarding support or guidance. We are really there to help you.
THE FCA DOES NOT REGULATE SOLICITORS
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