Mezzaine Finance
Property Finance Choices
Our mission is to support you in obtaining the right amount of money at the most affordable rates with a quick turnaround time for your property purchase, remortgage, or entrepreneurial endeavours.
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About Mezzaine Finance- Property Funding 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 Trusted Mortgage Broker 5 Years in a row!
Our Partners
Berkeley Group builds homes and neighbourhoods across London, Birmingham and the South of England. We specialise in brownfield regeneration, reviving underused land to create unique, sustainable and nature-rich places
Welcome to MSJ Contracts, a trusted and experienced family-run building company with a remarkable track record spanning over three decades.
Our approach is entirely client-focused, adhering to the principle that “no client, no cashflow.” We serve clients, not tenants.
An award-winning boutique property developer, obsessive about design, quality and aftercare in building beautiful homes.
We base our market appraisals on our precise understanding of the macro and micro market conditions that prevail in the neighborhood surrounding your property’s location,
Octagon is a British, privately owned company founded in 1980. Renowned for its unrivalled reputation across Southern England for
building homes of the highest quality
Frequently Asked Questions
Most high-value property is too expensive for people to buy just using savings or cash. Buying in cash may also not be advantageous from a fiscal perspective or when it means you put all your money into a property but have no remaining liquidity. Mortgages are loans that lenders offer to allow individuals to borrow funds to buy a property if you can’t or don’t want to buy it outright. You repay the lender over several years.
For most mortgages, you will need to put down a cash deposit. You will owe the remaining amount to your lender, and you will repay the loan in monthly instalments over a set period (known as the loan term). If you cannot repay the loan, your lender can repossess your home.
For anyone looking for high-value mortgages (£1 million or more) or if you are a high-net-worth individual, there are lots of mortgages to choose from. The best mortgage for you will depend on your financial background, how much you want to borrow, the type of property you want to buy (e.g., residential, buy-to-let, second home) and your ambitions. PFC’ expert team of brokers will be able to talk you through your options, but high loan-to-value mortgages, million-pound-plus mortgages, buy-to-let mortgages, interest-only mortgages and equity release mortgages may all be options.
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.
Mezzaine Finance 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.
Blogs
The Impact of Brexit on the UK Mortgage Market
Brexit, the UK’s withdrawal from the European Union, has left a profound mark on various sectors of the economy, including the mortgage market. The uncertainty that surrounded the Brexit negotiations, coupled with the final exit, led to fluctuations in the market, affecting both borrowers and lenders. This post explores the
The Role of Employment Contracts in Mortgage Approval
Employment contracts play a crucial role in the mortgage approval process, as they provide lenders with essential information about your income stability and job security. Here’s a detailed look at their impact: 1. Proof of Income Mortgage lenders need to assess your ability to repay the loan, and a stable,
Mortgages for Properties with Home Technology
Smart home technology, including automated lighting, security systems, and energy management tools, adds value to properties and can impact mortgage approval. Understanding the benefits, such as increased convenience, energy efficiency, and potential for higher resale value, alongside the challenges, like initial installation costs and technology integration, is crucial. Consulting with