Standard Residential Mortgages

As an Independent Financial Adviser and Independent Mortgage Intermediary, TMS has the virtually ALL of the lenders and mortgages available in the UK market to get the most Appropriate deal.

Each customer is advised on the most appropriate mortgage contract on an individual basis after proper consultation with one of our advisers.

Self Certification Mortgages

A relatively new addition to the mortgage market is the Self Certification Contract where the client certifies their own income where they have difficulty in proving it.

Examples of this is the self employed person who has not had their last Years accounts prepared or perhaps the employed person who is Paid to a large degree by commission.

Buy to Let Mortgages

Many people see property as the best route for an investment.

TMS can give advice on the appropriate mortgage(s) to facilitate the simple One off purchase through to large scale ‘portfolio’ investments for the individual and investment companies alike.

Adverse Mortgages

The amount of people considered to have ‘bad credit’ has grown considerably in the last few years.

If you are one of many facing financial difficulty and are looking for a solution then do not hesitate to contact us.

This is a sensitive area in which our company has a considerable amount of experience so take the pressure off yourself and leave it to one of our qualified Advisers to provide the solution.

A fee of 1% of the loan will be charged for advice on an adverse mortgage. The average fee charged for an Adverse case is £750.
the fee will depend on your personal circumstances.

Typical rate for an Adverse Mortgage currently sits at 8.75% APR.

Commercial Mortgages

With the vast array of commercial mortgages now available on the marketplace, it's important to seek Independent advice on the best options for your Business enterprise.

At the mortgage Specialist we have virtually all UK commercial lenders at our disposal, in order to get the deal appropriate to your business circumstances.

Dependent on the individual case, commercial mortgages are now available up to 100% of the valuation of your business.

Other Mortgage Services

As well as providing mortgage advice, TMS can and will in most instances provide quotes and advise on associated products such as: