Our services
Fresh Bespoke
Mortgage Solutions
Genius Mortgage Advice is a mortgage broker firm serving the UK housing market, we specialise in providing fresh, bespoke mortgage solutions, using our industry contacts, software, experience and enthusiasm.
Moving home
If you already own a home with a mortgage secured on it, many lenders will allow you to transfer your mortgage to a new home.
Remortgage advice
The most common reason for a remortgage is because a different lender is offering more competitive pricing compared to the existing firm.
First-time buyers
First time buyers often need support with the mortgage process, including a detailed discussion surrounding monthly budget.
Buy-to-let mortgages
A buy to let mortgage is a loan secured against a property that has been purchased with the intention of renting it out.
Self-employed mortgages
We specialise in helping self-employed mortgage applicants raise funding required and have experience in how lenders assess these applications.
Contractors mortgages
If you work on a contract basis we can often lend based on your hourly or daily rate of pay, which typically gives a generous maximum mortgage lend.
Adverse credit mortgages
If you have missed a payment(s) on a financial commitment, or if a default or county court judgement is registered on your credit file it may still be possible to obtain a mortgage.
Second home and holiday home mortgages
Home away from home to facilitate a separation or where work and family are located beyond a sensible commute or a home for a dependent relative.
Shared ownership
A shared ownership mortgage is where you purchase a share in a property. You pay a mortgage on your share, and you pay a rent on the rest.
Interest only mortgages
With an interest-only mortgage, your repayments each month only cover the interest charged on the whole loan amount.
Foreign national mortgages
There is no hard-and-fast rule for the amount of time you should have been living in the UK before you can obtain a mortgage.
Limited company directors
Income for mortgage purposes for Limited Company Directors is defined in one of two ways.
Your home may be repossessed if you do not keep up repayments on your mortgage
Genius Mortgage Advice
Why choose us?
We take the time to understand your requirements, find a way forward whatever the circumstances, and then stay the course until your mortgage is offered, and the transaction has completed.
We want to develop relationships with borrowers that last as long as your mortgage term, and are as wide as to include family and friends.
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Reviews
See what our clients think...
Austin was very patient, painstakingly meticulous and organised. He spent a lot of time with us in person in his office, showing us all the possible options, deals and offers appropriate for us on the market. He explained some of the consequences of different factors. He was very dedicated and ensured we got the best deal before an interest rate hike. Austin also kept us up to date, until the mortgage offer was granted.
Really happy with the advice and help from Austin.
Very easy and well explained, happy with the choices given. Guidance throughout.
Everything considered, how personally valued did the adviser make you feel? - Highly Valued