Home Financing Options

A mortgage loan is the most traditional, and probably the smartest way, to buy a home. You're going through a bank for a loan and the monthly payments will be the same for 30 years.

And, don't forget, the interest payments on a mortgage are deductible on your tax return. If you can't qualify for a mortgage, there are non-traditional ways to buy a home. Here are some home financing options, if you do not or cannot qualify for a conventional home mortgage:


• Seller-Finance Mortgages (SFM)

This is what we offer in-house, and it's same as any high street conventional home mortgage, except that the property provider and home financing is the same entity right from the start. Our SFM even offers better advantages that what you may be used to. Learn more.


• Pension Mortgages


• Family Mortgages


• Commercial - Residential


• Rent to Buy / Rent to Own

A certain amount of the monthly rent would go toward credit for buying the home at the end of the contract, often within a year with other providers but can be extended up to 5yrs with our partner provider, Rent to Buy UK (rtb365).


• Buy to Let (1/4<Owner-Occupier)

Regulatory Compliance


The Financial Conduct Authority (FCA) does not regulate some forms of buy to lets, commercial mortgages, secured loans, unsecured loans, earned wage access schemes, bridging loans, trusts, overseas mortgages, and conveyancing or debt management.

Not all borrowers will qualify for a loan, and not all applicants will be approved for their requested loan amounts, and loan repayment periods vary by loan type also. We may use collection services for non-payment of loans.

You should not apply for an amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action. Loans are subject to status and affordability. Loan rates will depend on your credit profile. UK residents only.

Not all our loans require a collateral, but any property used as security, which may include your home or business (incl operating premises), may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

No Upfront Fees. All applicable fees are VAT inclusive.