There are lenders for every type of property. As an independent broker specialising in high-value mortgages, PFC has access to more than 500 lenders. PFC has connections with lenders that specialise in every type of property including buy-to-let mortgages, commercial property purchases, property development, high-value mortgages, foreign national mortgages and non-resident mortgages and more. Your broker will source and negotiate the most competitive mortgage for you, whatever kind of property you are hoping to buy and however much you want to borrow.

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. 

PFC only charges a brokerage fee when you are happy with an offer your broker has sourced for you and you are ready to formally submit the mortgage application to the lender. By charging you a fee at this point, PFC can stay independent, and the onus is on your broker to present the most competitive mortgage possible for you to move the deal forward. Your broker will spend as much time as needed approaching lenders, seeking finance and structuring the best mortgage for you and you are only charged a fee for this work when you are happy to proceed.