Simply Lending Solutions – The Specialist Mortgage Brokers
Coronavirus (COVID-19) update: Simply Lending Solutions will continue to work throughout the 2nd lockdown in England from 5th November 2020. We will be following all public health guidelines to keep our customers and colleagues safe. Please call us for advice.
If you’re looking for any type of mortgage or to remortgage, look no further than Simply Lending Solutions, the specialist mortgage experts.
- Bespoke service for every client
- Free consultation
- Free overview of your mortgage options
- No upfront fees
- Independent, impartial mortgage advisers
- CeMAP qualified
Fully Independent, Access To 1000s Of Mortgages From 1.34% APR – Challenge Us To Get You The Best Deal
|Bespoke service for every client|
A tailored solution for your mortgage needs
|Free consultation & initial information|
No charge for your initial consultation & free advice
|Free overview of your mortgage options|
No cost report detailing recommended mortgage products
|No upfront fees|
Don’t pay anything until you’re ready to proceed
|Whole of market brokers|
Relationships with multiple lenders, gets you the right mortgage
Fully trained & qualified advisors for your peace of mind
About Simply Lending Solutions
Simply Lending Solutions is a financial services company with offices in Rettendon and Great Baddow, both Essex, and Rotherham, South Yorkshire. We’re committed to understanding exactly what our clients want in order to find the right specialist or professional mortgage. We provide an independent, transparent mortgage service, tailored to every client’s individual needs. We won’t leave you to navigate the mortgage market on your own, and there’s always someone available to speak to during office hours.
Simply Lending Solutions’ whole-of-market specialist mortgage brokers have years of experience securing mortgages for qualified professionals across a number of sectors. We also have expertise in acquiring mortgages for company directors, the self employed, consultants and freelancers, in addition to foreign nationals and non-UK residents.
Our impartial brokers can advise you even if you are not in full-time employment or are in receipt of certain benefits. Simply Lending Solutions can also provide guidance for clients looking for a low-deposit/high loan-to-value mortgages, or those seeking to buy unusual properties including listed buildings and prefabs.
Whatever your circumstances, whether you’re looking for a specialist mortgage or a standard mortgage product, if you’re trying to find independent mortgage broker, contact Simply Lending Solutions today to arrange your free consultation.
We can help secure mortgages for all, including professions, people and properties that are outside of the norm
Our customers rate us as excellent
Experienced brokers working for you
There are many benefits of using a mortgage broker. Using a mortgage broker saves you the leg-work of shopping around for a deal. Experienced brokers, like the ones at Simply Lending Solutions, know the market and are up-to-date with all the latest deals. Using the information you provide, our mortgage brokers will work to find the most appropriate deal for your particular circumstances.
When you choose Simply Lending Solutions your broker will be committed to securing a competitive deal for you. Our brokers listen to what you want and tailor our service to provide it. We talk to you every step of the way, guiding you through the application process and supporting you throughout.
Our brokers specialise in finding mortgages for professionals, as well as for people looking to buy unusual properties such as listed or thatched-roof buildings. We also have a wealth of experience in securing mortgages for clients with irregular earnings, such as freelancers and consultants, as well as those seeking a low-deposit/ high loan-to-value mortgage.
Once you choose to use Simply Lending Solutions to find you a great mortgage deal you can just sit back and leave us to it, confident that we’ll place your requirements front and centre. If you do have any questions during the process you can always call us or visit our Essex or Rotherham offices during office hours, or contact us online any time day or night.
Specialist mortgages for every financial situation
Whatever type of specialist or professional mortgage you’re looking for, Simply Lending Solutions’ specialist mortgage brokers can help. Whether you’re a first-time buyer, planning to remortgage or interested in investing in a buy-to-let property, we have access to a range of specialist lenders all waiting to help you achieve your property goal.
The types of mortgage products we deal with include:
- Home mover mortgages
- Second charge mortgages
- Buy-to-let mortgages
- Help to buy mortgages
- First-time buyer mortgages
Whole of market brokers
Simply Lending Solutions isn’t tied to any one lender. This gives you the peace of mind of knowing that we will give you completely tailored advice. When we come to recommend a particular mortgage product, you’ll know that we’ve looked at all the most appropriate options for you, whoever the lender is.
Specialist mortgages for professionals
The mortgage brokers at Simply Lending Solutions have a wealth of experience finding mortgages for professionals. These mortgages are specifically aimed at borrowers in particular types of professional employment such as teachers, doctors and police officers.
Professional mortgages recognise that lenders may see some professionals very positively as, for example, they may have high starting incomes, clear career progression and long-term employment contracts. On the other hand, such professionals may also have unusual remuneration packages that distort a prospective borrowers’ actual income, or work on short-term, supply or locum contracts.
These factors mean that a broker needs to look carefully at an individual’s financial circumstances in order to fully understand which products may be most suitable. At Simply Lending Solutions, we work with specialist mortgage lenders who provide mortgages targeted at particular sectors, thus maximising our ability to find a product to suit you.
Specialist mortgages for company directors, part-time employees and the self-employed
If you aren’t a full-time employee, it can be difficult to find a mortgage. Sole traders, freelancers and consultants who work on a self-employed basis aren’t always clear how they can secure a mortgage as their income can be irregular. The challenge of irregular earnings also affects part-time workers, including those on zero-hours contracts.
Company directors may be self-employed, business owners, employees and/or shareholders, all of which can lead to a complex income profile which high-street lenders may not fully understand.
Simply Lending Solutions has access to lenders who consider many different types of borrowers by looking at their entire ability to service a mortgage. We work with lenders who understand the requirements of self-employed and part-time workers, and can offer them a mortgage product that suits.
You may regard yourself as employed if you part own and work for a Limited company, or work via a contract but, depending on your situation, mortgage companies may actually view you as self-employed. This can make a huge difference to the range of mortgages available to you. To find out whether you are likely to be seen as employed or self-employed, take our ‘Employed or Self-employed mortgage calculator’.
Specialist mortgages for expats and foreign nationals
If you’re a foreign national living in the UK or abroad, or a British citizen living abroad, it’s still possible to secure a mortgage for a UK property.
Simply Lending Solutions understands what specialist lenders in this market are looking for and can guide you through the process of applying for and obtaining a suitable mortgage product. Our brokers will ensure that your application progresses smoothly even if you are out of the country, as we will drive the process on your behalf.
Specialist mortgages for unusual or ‘problem’ properties
Many high-street lenders are reluctant to lend to buyers who intend to purchase a property that is a little out of the ordinary. This might include listed buildings, as well as timber-framed properties, prefabs or homes with thatched roofs.
Simply Lending Solutions can also advise you if you are seeking to buy a property that might be considered ‘problematic’, for example because of the presence of Japanese Knotweed or subsidence.
Our brokers will identify the most appropriate lender for you, no matter how ‘difficult’ your property appears to be.
Specialist mortgages if you have a small deposit
If you’re looking for a high loan-to-value (LTV) mortgage because you only have a small deposit, then we may be able to help. While the number of LTV deals decreased after the 2007 financial crisis, in recent years the numbers available have started to increase.
Simply Lending Solutions can help to arrange deals with a number of lenders that offer 95% loan deals to some borrowers. You may even be able to secure a mortgage with no deposit at all.
Independent mortgage advice, whatever your circumstances
Simply Lending Solutions don’t only provide mortgage advice for people looking for specialist mortgages. Our independent brokers have access to mortgage products across the market, whatever you’re looking for.
We use our specialist knowledge to find the most suitable deal for you. For example, we understand which lenders take into account income such as child benefit or disability benefits when calculating LTV. Our relationships with a broad spectrum of lenders helps us to help you.
A transparent process designed for you
The Simply Lending Solutions application process is simple and transparent. Every initial consultation is free, in fact you won’t pay anything until a mortgage offer is produced and agreed.
We start with an initial consultation where we will really seek to understand exactly what you want. Our years of experience tell us that no two clients are the same; any mortgage advisor who suggests offering advice or deals to you without thoroughly examining your circumstances will be unlikely to recommend the most appropriate deal.
Following this no-cost consultation we may contact you again to confirm any additional information, after which we will use our expertise to search for the most suitable mortgage deals for you.
Once we have a recommendation for you, we’ll go over the product in detail, outlining all costs. This includes mortgage broker fees, any documents that are required and anything else you need to be aware of.
Simply Lending Solutions underwrites the mortgage in-house to ensure that once the application is formally made to the lender it can progress quickly. While the lender will underwrite the mortgage themselves, this step gives you the added confidence that we would not apply to a particular lender if we were not convinced that we will secure a formal mortgage offer. In most circumstances the property valuation, arranged by the lender, will be held back until we have underwritten the case in order to protect you from incurring unnecessary costs.
Next, we’ll request any documents we need from you and the application is submitted. We then await receipt of the formal mortgage offer.
Finally all the papers are passed to lawyers for the exchange of contracts and the completion of the purchase.
Simply Lending Solutions don’t make any charge before a formal mortgage offer is received, and for some remortgages, broker charges are not payable until after completion. To put it bluntly, if we don’t find an appropriate offer for you, that you’re happy with, you don’t pay.