Sidcup Mortgage
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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About Sidcup Mortgage 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 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 Sidcup's Trusted Mortgage Broker 5 Years in a row!
Our Partners
James Gorey Estate Agents provides an ultra-personal, proactive and bespoke estate agency service with the sole aim of building long term relationships and becoming your go to property people.
We are an independent sales and lettings agency established in 2007 by partners Chris Langley and Russell Gibbs who collectively have more than 75 years experience in the property business.
Hi, I’m Kevin.I’ve lived in Welling and Sidcup since 1981 growing up on Falconwood Avenue and attending Eastcote Primary School in the 1980s, before moving to near The Oval in Sidcup and attending Burnt Oak Junior School and then Chislehurst and Sidcup Grammar.
Our practice is based in Blackheath, London near Greenwich. We operate locally across London & Kent, as well as working remotely with a number of clients nationally and internationally.
TaxAssist Accountants can do more for you, your business and your family. Our local and personal services go way beyond tax and accounting to provide businesses and individuals with expert advice, all from under one roof.
Led by a management team qualified and experienced in our business disciplines, and assisted by technical and administrative personnel, we offer a wide range of business, tax and advisory services.
Frequently Asked Questions
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.
Sidcup 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
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Shared Ownership Mortgage Brokers Explained: Your Path to Getting on the Property Ladder Introduction If you are an aspirational first-time homebuyer but high registration fees burden – I get it! All of the above make talking about entering into the world of real estate a pretty scary prospect for young
Mortgages for Properties with Vacation Home Potential
Investing in a property with vacation home potential offers a unique opportunity to enjoy a retreat while also generating rental income or increasing the property’s value. However, financing such properties involves specific considerations. This post explores how to secure a mortgage for a property with vacation home potential and what
The Impact of Loan Repayment History on Mortgage Approval
When applying for a mortgage, one of the most crucial factors lenders consider is your loan repayment history. Your past behavior in managing credit and repaying loans provides lenders with insights into your financial reliability and risk profile. This post delves into how your loan repayment history impacts mortgage approval