Islington Mortgage
Property Finance Choices
We're here to help you secure the perfect finance at the best possible rate quickly, whether it's for buying a house, remortgaging, or meeting your business needs.
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020 3758 9393
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sales@propertyfinancechoices.com
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About Property Finance Choices
Welcome to Property Finance Choices, your trusted mortgage broker, here to assist you in making informed decisions for your property financing needs. Whether you are a first-time homebuyer, looking to remortgage, or seeking investment opportunities, we are dedicated to providing personalised solutions tailored to your unique financial circumstances.
At Property Finance Choices, we understand that navigating the complex world of mortgages can be overwhelming and time-consuming. Our team of experienced and qualified mortgage advisors is here to simplify the process for you. We take the stress out of finding the right mortgage by offering expert guidance and a wide range of services to suit your requirements.
Our commitment to transparency and customer satisfaction sets us apart. As independent mortgage brokers, we work with a diverse panel of lenders, ensuring you have access to a comprehensive selection of mortgage products, including fixed-rate, variable-rate, and specialised mortgages. With our assistance, you can compare rates, terms, and features to secure the most competitive and suitable deal for your needs.
Specialist Local Mortgage Broker
A Decision in Principle (DIP), also known as an Agreement in Principle (AIP) or Mortgage in Principle (MIP), is a document or statement provided by a mortgage lender that indicates how much they are willing to lend you based on an initial assessment of your financial situation. While it is not a guarantee that you will be approved for a mortgage, it serves several important purposes and benefits for potential homebuyers:
Get your Free Decision in Principle certificate hereRange of Lenders
Access to a whole range of lenders providing you the most competitive offers.
Dedicated Case Handler
Have just one point of contact to ensure a smooth process.
No hidden costs!
We charge a one time application fee and we sometimes receive commission from a 3rd party lender with full transparency.
Local Expert Guidance
We have been working in this local area for more than 5+ years we understand all the local market trends providing you the best service.
Mortgage Enquiry
Residential Mortgages | HMO | BTL | Refinance | Bridging Finance | Development Finance
Want to start viewing properties?
If you wish to start viewing properties you must first get a Decision in principle this is to show that you can financially afford it. Simply fill in a short 10 minute form below to have a certificate emailed to you.
We are Looking for Introducers.
We are always on the hunt for new people to refer us clients in return we offer a high referral fee which your own ability to track the applications in real time.
The Application Process
Compare and Check
Let us compare the latest mortgage deals for you over the phone, or do it yourself in real-time online using our online application portal.
Apply Online
You won't have to tell us any info twice, we'll keep it and put it in the form so you can check it and apply by phone or online.
Track and Complete
Track your application online 24/7. We'll even appoint a dedicated case manager who'll do all the legwork for you. We will keep you updated every step of the way all the way up until completion.
Voted Islington's Trusted Mortgage Broker 5 Years in a row!
Our Partners
Dexters offers a comprehensive range of property services. We are exceptionally strong in residential sales and lettings across London;
We’re successful because we understand London’s villages – and not just the schools, shops and transport links that every Agent knows about.
At Fine & Country, we offer a refreshing approach to selling exclusive homes, combining individual flair and attention to detail
We’re a friendly team of property specialists with unrivalled knowledge of London’s property market
Neilson & Bauer have a strong community spirit going back years of supporting many worthwhile local charities and the local community.
Established over 25 years ago, Alwyne Estates are one of Islington’s most well renowned independent estate agents. We offer a bespoke service whether you are looking to buy, sell or rent out your property.
Frequently Asked Questions
The shortest mortgages have terms of 2-3 years, but these tend to be rare and used in particular scenarios. At the other end of the scale, it is sometimes possible to have 40-year mortgages, but these tend to be offered to mainstream borrowers with good income looking to maximise what they can borrow, rather than the norm for high-net-worth individuals.
For high-net-worth individuals, mortgages with terms of 5 to 25 years are typical, although mortgages in the 5-to-15-year range tend to be the most usual.
Generally, yes, provided you can put down a good deposit, afford the mortgage in terms of income, and your income is steady and has been for some time (lenders will generally look at your tax return over the past three years). Self-employed mortgages generally tend to be more challenging to arrange if you approach lenders without the help of a mortgage broker. Lenders view self-employed borrowers as riskier than employed borrowers, especially if you want a mortgage of £500,000 or more. PFC has a track record of helping self-employed individuals to borrow significant amounts, connecting you with lenders that can look at things like directors loans that you will eventually pay yourself back or recent changes to your business that have dramatically increased your income.
No. However an alternative solution is auction finance. Auction finance is used because most mainstream lenders can’t offer traditional mortgages within the 28 days you will usually have to pay off the remaining property amount after the auction. You can arrange auction finance and draw down funds very quickly, especially if you have in principle offers and have started working with a lender to organise paperwork before the auction. Auction finance can be completed very quickly – even in as little as a few days or a week – meaning you can meet the very short turnaround between the auction and the deadline for payment. You can either refinance auction finance with a long-term lending option like a mortgage or pay off the loan through a liquidity event.
Islington Mortgage Broker - Our Services
Property Finance Choices are professional mortgage brokers founded in 2022 with more than 25+ years experience across the team.
We have access to all lenders including high street banks, multinational private banks, specialist lenders and funds, private offices and high net-worth investors.
Our Core Services Are:
– Buy to Let Mortgages (for single properties, portfolios and multi-unit blocks)
– Bridging Finance (1st and 2nd charge for residential or commercial properties)
– Development Finance (for high-value single units, multi-unit blocks, commercial property including offices, hotels, retail, student accommodation and PRS)
– Developer Exit Loans (to refinance recently completed development schemes)
– Commercial Mortgages (offices, retail, hotels, restaurants, for investment or owner occupation)
– Borrowers can be personal names or Ltd company / corporate structures and UK or overseas nationals
– Our core business is in London, but we cover all of the UK and also arrange finance for European real estate
– Remortgaging finance to match your needs and achieve a better rate
– Working with HNW Individuals and Companies to acquire and source exclusive funding
We also provide advice around all forms of insurance to pay out in the event of an accident, illness, injury or death to make sure you and your family are protected against whatever life throws your way.
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