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Let’s face it, you don’t really want a mortgage … what you want are the things that a mortgage can bring, such as a new home or some cash for home improvements. Maybe you want to fund a business, get breathing space from rising debt or escape from a bad relationship. Whatever a borrowers’ background, a mortgage should not get in the way.

Looking for a smart mortgage advice?

Mortgage Advice:
1. Immediate assessment
2. 100% Holistic Approach
3. Comprehensive Panel
4. Direct Access to Underwriters

Best Solution Mortgages are experts in setting up deals with lenders and organizing required paperwork. As we have been in the estate agency industry for over 15 years, we liaise with estate agents and solicitors saving you time! We know what to do to make the whole process quicker and less stressful for you.


REMORTGAGING: Mortgage lenders will usually offer you a favorable interest rate for an initial term of between two and ten years, to encourage you to purchase their mortgage product. After this time your mortgage will normally revert to the lender’s standard variable rate and you could see your monthly mortgage payments rise. A few months before your initial term is due to expire is a good time to see what other mortgage deals are around and what your options are for remortgaging your property.

Remortgaging your property can now be a relatively simple process. You may be able to secure another fixed rate to guarantee your mortgage payments, either by transferring onto another mortgage offered by your current lender or by moving to another lender.

Remortgaging can also be a great way to raise capital for home improvements or to clear debts.

With interest rates currently at a historic low, now could be a great time to remortgage and secure a long-term fixed rate mortgage at less than 3%.
Whether you’re looking to secure a great rate, extend or reduce your mortgage loan amount, our advisers can talk through your options and help you find the best deal for your personal circumstances.


SELF EMPLOYED – this is a very complex subject as each bank has different rule about the way they treat your income. We are specialists in finding solutions. Don’t worry if have been turned down by your own bank, we can help.

From 5% Deposit

Limited Track Record

0, 1 & 2+ Years Accounts


Multiple Income Sources

Retained Profit Considered

Common Sense Underwriting


The Government provides equity loans, of up to 20% of the purchase price (40% in London Boroughs), to first-time buyers who purchase a new-build property. This means that as a buyer you need to provide 5% of the purchase price as a deposit, you’ll receive up to 20% as an equity loan and then you’ll need to secure a mortgage for the remaining 75%.

Find out more at


Buying a property for investment or keeping your existing one as such does require a completely different type of assessment. The primary driver on what lenders will offer as a loan is the rental income. However, in some instances, your personal income, other rental income or assets can be taken into consideration. Since September 2017 simple rental calculations don’t exist, and each lender will have own stress test. Best Solution Mortgages are experts in interpreting these rules and can overcome obstacles using different approaches.


This method requires to you purely service the interest on the loan but you are responsible to pay the loan back at a later date. The Financial Conduct Authority (FCA) is happy with this on the basis that you have a viable, clearly defined Repayment Strategy. Most commonly you would use other assets such as property, shares, pensions, ISA’s etc. Some lenders do allow future bonuses or downsizing at a later date. Your method of repaying the loan will have a big impact on the lender recommended as all lenders have different, and sometimes complex rules around this. Deposits of 25% or more are often required, but not in all circumstances.


If you or any of your family are looking to return to the UK shortly and want to buy a property to live in, we can help you choose from a variety of fixed and variable rate mortgages.

There is a range of mortgage lenders, offshore banks or building societies to choose from and we will also provide you with the ongoing support and expertise of our mortgage brokers.


To secure a mortgage you will need to provide your mortgage lender with a deposit. Many lenders now offer mortgages with just a 5% deposit, which means 5% of the price of the property you’re purchasing.  Best Solution Mortgages help many first time buyers take their first step on to the property ladder. We also help you in dealing with estate agents/developers to get the best deal.



We needed a remortgage at the end of our fixed term deal. We also wanted a big reduction in our repayments. Friends recommended Kamil so we gave him a call. Kamil quickly found us the perfect fit. He listened to us and didn’t waste our time in pushing deals that half delivered. Most importantly he made the whole process of the application as easy as getting a mortgage could ever be and was quick in providing advice and support. We honestly couldn’t be happier.

John J. and Gez G.

Kamil helped me with my mortgage in 2017. Not only did he provide invaluable advice and expertise, he was also able to source me a much better rate from the preferred mortgage provider. I would have no hesitation in recommending his services.

Luciano D.

Agnes was absolutely incredible throughout the mortgage process.  She was knowledgeable, friendly and kept me informed from start to finish. Nothing was too much hassle for her and I would recommend her to anyone looking to get a mortgage and protection.

Laida I. and Xabier M.


As a guide these are the typical documents required for employed clients. Each bank is different and once a bank is selected we provide our clients with a definitive list.
  • Passport
  • Proof of address less than 3 months old – usually a utility or council tax bill
  • 3 months bank statements showing income and outgoings
  • 3 months payslips
  • Up to 2 years of bonus or commission payslips
  • Up to 2 P60s
  • Proof of deposit – this can be a gift letter if a gift is coming from a family member.
Typical documents required for self- employed clients. Each bank is different and once a bank is selected we will provide our clients with a definitive list.
  • Passport
  • Proof of address less than 3 months old – usually a utility or council tax bill
  • 3 months bank statements showing income and outgoings
  • 3 months payslips
  • Up to 3 years SA302 (also know an tax calculation documents)
  • Up to 3 years Tax Year Overviews
  • Up to 3 years signed trading accounts
Some banks will send out for an accountant’s reference in place of these documents
Proof of deposit – this can be a gift letter if a gift is coming from a family member.


“Best Solution Mortgages , is an Appointed Representative of Primis Mortgage Network, a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Conduct Authority”

Best Solution Mortgages Ltd registered office address :23 Fletcher Road, London, W4 5AT

The FCA registration number of Advanced Mortgage Funding is 305008

This website is intended for people over 18 years of age who are resident in the UK only.

The website and the information contained therein should not be regarded as an offer or solicitation to conduct business in any jurisdiction rather than the UK.