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Post Code Restrictions: 
We exclusively lend within England and Wales to applicants of any occupation.
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*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.
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If the property your client is looking to buy is unusual or there are any other complication factors like age, income or a shorter term required, TFI welcome a challenge to provide a borrowing solution.
Income
We:
- Consider multiple income sources
- Use of unearned income such as retained profit, undrawn investment / pension income
- Provide self-employed solutions into retirement
Timing
Short term lending between 1-5 years on No ERC interest only to suit your client who may be:
- Awaiting sale of property
- Timing around disposal of assets
- Requirement to maintain debt/tax planning
Property
We can handle property with complexity:
- Acreage
- Outbuildings / annex (Let)
- Holiday lets on site
- Basement flat
- Mixed use
- One title deed
Age
We understand how frustrating it can be seeing your clients turned down for a mortgage based purely on their age. By assessing affordability on interest only and focusing on the overall creditworthiness of the application, age is rarely the be-all and end-all.
Holiday lets
- Real life solutions for your landlord clients up to age 83
- Min income 25K sole, 40k joint Up to £750k
- Air B&B acceptable for our holiday lets
- Unusual properties