Mezzaine

Mezzaine Finance

Property Finance Choices

Helping you get the right money, at the best price in the quickest time for your house purchase, refinance or 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 here

Range 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

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Preferred Contact Method

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 Belgravia's Trusted Mortgage Broker 5 Years in a row!

Our Partners

Kaye & Carey is an independent Estate Agency founded by Matthew Kaye and Adam Carey who have over fifty years of experience.

In the heart of Central London, Belgravia is home to many of the world’s embassies along with grand hotels, fine restaurantsues.

When you are looking for estate agents in Belgravia there are a relentless number of companies to choose from.

Professional RICS Surveyor. Commercial and Residential Surveys carried out at short notice or weekends, from 8am-8pm daily.

Best Gapp is an independent estate agent based in Belgravia that specialises in all aspects of buying, selling,ve areas.

We are a firm of Leading Chartered Certified Accountants in London, specialising in auditing services, accountancy services. 

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.

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.

For most of the market, lenders will offer a maximum of 4.5 times a borrower’s income. Recently, some lenders have raised this to 5 or 5.5 times a borrower’s income, although this tends to be in exceptional cases for individuals who are not high-net-worth individuals but who have higher salaries. Lenders base the 4.5 times your salary calculation on what they believe most borrowers can comfortably afford in terms of repayments and limiting risk for all parties.

For high-net-worth individuals, there is more flexibility around what you can borrow, often with less emphasis on specific multiples of your income, provided the mortgage is clearly affordable. High-net-worth mortgages are available to anyone with an income of more than £300,000 or assets of more than £3 million (excluding the value of your principal residence). If you are eligible for a high-net-worth mortgage, you effectively opt-out of regulated oversight, which means lenders have much more flexibility in what they can offer you, affordability and so on. These mortgages are advantageous if you have significant wealth but comparatively little income, global assets, multiple income streams and so on. Overall, a high-net-worth mortgage makes it easier to borrow more based on your global wealth rather than your income in exclusivity.  

Some first-time buyers can put down deposits of 10% – 15%, but generally deposits sit in the 20% – 25% range, especially if you are already on the housing ladder or are looking to upsize. 

If you are borrowing a significant amount, a lender may require you to put down a larger deposit. A lender may let you put less down in other cases, but this will tend to be for VIP borrowers and those with a very high income in combination with a significant net worth. Some private banks offer 100% mortgages if you can put forward relatively significant assets under management, for example. It is worth noting that sometimes, you may find it advantageous to put down a larger deposit if it means you benefit from better rates in the long-term – your broker will be able to explain your options on this.

LTV stands for loan-to-value. The loan-to-value ratio refers to how much you borrow as a percentage of the property’s value. Amongst other things, lenders use the LTV to assess risk – generally, the higher the LTV, higher the risk for the lender. 75% or 80% LTV is usual for the majority of mortgages, although some lenders offer higher LTV mortgages for the right borrowers – usually high-net-worth individuals.

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. 

An interest-only mortgage is when you effectively pay your lender the interest on the amount you borrowed, but you don’t make repayments on the principal loan amount. At term, this means you have repaid the borrower the interest you owe, but the principal remains outstanding, and you will need to repay it. Interest-only mortgages are relatively rare these days and are generally only offered to high-net-worth individuals who will easily be able to repay the principal amount at term.

Repayment mortgages are the most common type of mortgage today. Here, you will make monthly repayments to your lender, repaying both the capital and interest each month over the loan term.

A fixed-rate mortgage refers to the fact that the interest rate agreed with your lender will not change for the loan term. 

With a variable-rate mortgage, the interest that you pay will reflect a specific base rate (e.g., SONIA), with a fixed percentage added on top. Your mortgage will follow the base rate, effectively rising and falling in line with any changes to the base rate over the course of the loan term. 

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. 

A remortgage is the process of replacing your existing mortgage with a new mortgage from another lender without buying a new property. Your ‘new’ lender will pay off your ‘old’ lender, and you then make monthly repayments to this new mortgage provider, usually at a better rate or benefitting from more advantageous terms. 

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.

PFC is an independent mortgage broker. As such, your broker can approach any lender in the market to negotiate a deal for you, and your broker will be working exclusively in your best interests. PFC also isn’t bound by any incentives to work with or offer you products from specific lenders, as can be the case with other mortgage brokers.  

Wherever possible, your broker will negotiate at least a couple of offers for you to compare. 

Your broker will talk you through all your available options and your offers, including the advantages and drawbacks of each, so you can make an informed decision about what’s best for you. Your broker will also be able to explain why they approached specific lenders for your mortgage offers (often lenders have specialisations in certain types of mortgages, or your profile/needs will align well with the expertise of a specific lender).

Sometimes you will find that a slightly more expensive rate with more flexible or advantageous terms is more attractive to you, so your broker will never promise to deliver the ‘cheapest’ offer. Whatever your broker offers you, it will be the very best fit for your needs, and PFC will always share everything you need to know to make the best decision. 

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.

Property Finance Choices Belgravia

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

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Blog one

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