We assists first-time buyers, homeowners, and investors seeking competitive residential mortgages, re-mortgages, first charges second charges. We works with major UK lenders and specialist providers, ensuring clients receive clear advice and support from start to finish.
We assists first-time landlords, homeowners, and investors seeking competitive standard business Buy-to-Let or consumer Buy-to-Let mortgages or re-mortgages. As an experienced mortgage broker we supports investors purchasing buy-to-let or HMO properties. We ensures clients understand lending criteria and helps structure applications to suit personal or limited company ownership. We works with major UK lenders and specialist providers, ensuring clients receive clear advice and support from start to finish
We helps business owners secure finance for commercial and mixed-use properties. We provides tailored solutions designed to meet each client’s requirements, ensuring competitive terms from trusted UK lenders.
We are highly experienced in arranging bridging loans for time-sensitive property transactions. Whether funding a quick purchase, auction property, or refurbishment, we ensures a smooth process from application to completion. Our knowledge of specialist lenders helps clients secure short-term finance efficiently and at competitive rates.
We advises on limited company mortgages and development finance, helping investors grow their property portfolios. We works with lenders offering staged drawdowns for small and large development projects, ensuring compliance with UK lending standards.
We provides access to a range of general insurance options to protect every investment. This includes property, landlord, and commercial cover to safeguard clients’ assets and income.
Bring your finances to your life
At Home and Beyond finance, we believe financial security starts with the right guidance. Whether you’re buying your first home, remortgaging, starting your commercial journey with your first Buy-To-Let property or you are experience landlord or protecting your family’s future, we’re here to make the process simple, transparent, and stress-free.
With FCA qualified professionals in mortgages and protection, our team takes the time to understand your goals and tailor solutions that fit your unique circumstances. We work with a wide range of trusted lenders and insurers, ensuring you receive the most competitive options available — without the jargon or confusion.
Our mission is to help you make confident financial decisions for every stage of life. From securing your dream home to safeguarding what matters most, we’re your partners in planning for a stronger, more secure future
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We keep your journey organised, transparent, and always moving toward your dream home.
01.
A mortgage advisor helps you find the right mortgage deal based on your financial situation and goals. They compare products from a range of lenders, explain the options clearly, and guide you through the entire application process — saving you time, stress, and potentially money.
02.
Banks only offer their own mortgage products, while an independent advisor can access deals from multiple lenders. This means you’ll have a wider choice and potentially better rates. A mortgage advisor also handles the paperwork, communication with lenders, and ensures your application runs smoothly.
03.
Some advisors charge a fixed fee or percentage of the loan, while others are paid a commission by the lender. At Home and Beyond finance, we believe in transparency — all fees (if applicable) will be clearly explained before you proceed.
04.
Typically, you’ll need:
Proof of ID (passport or driving licence)
Proof of income (payslips or tax returns)
Bank statements (usually 3–6 months)
Proof of deposit
Your advisor will give you a checklist tailored to your circumstances
05.
Yes, absolutely. You’ll need to provide evidence of your income, such as tax calculations (SA302s) and accounts for the last 2–3 years. A mortgage advisor can help you find lenders who specialise in self-employed or contractor mortgages.
06.
This depends on your income, credit history, outgoings, and the lender’s affordability criteria. As a general rule, most lenders will offer around 4 to 4.5 times your annual income, but an advisor can give you a more accurate figure after reviewing your details.
07.
A mortgage in principle (MIP or AIP) is a statement from a lender saying they’re willing to lend you a certain amount, subject to full application and checks. It’s useful when house hunting, as it shows sellers you’re a serious buyer.
08.
Yes, we can help you review your current deal and find out if you could save money by switching to a better rate or releasing equity. We’ll compare offers from multiple lenders to ensure your new mortgage suits your needs.
09.
We offer a range of protection options to give you peace of mind, including:
Life Insurance
Critical Illness Cover
Income Protection
Family and Mortgage Protection Plans
Your advisor will help you choose the right cover for your lifestyle and budget.
10.
On average, the process takes 4–8 weeks from application to completion, depending on your lender and solicitor. We’ll keep you updated every step of the way and work to ensure everything runs as smoothly as possible.
Read why our customers Us
Rated 4.6 out of 5 stars by our customers
From start to finish, the mortgage advice I received was exceptional. Everything was explained clearly, and I felt completely confident with each step. Vikram found us the best deal possible and made what could have been a stressful process incredibly smooth. Highly recommended!
I can’t thank Vikram enough for all his help with our mortgage! He was so patient with my endless questions and made the whole process feel easy. I really felt like they cared about getting us the right deal, not just any deal.
I hadn’t realised how important protection cover was until it was explained properly. Vikram helped me choose the right life and income protection policies for my family — now I have real peace of mind knowing we’re covered.