Different Strokes for Different Folks…

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Buy To Let

    • First Time Landlords
    • Portfolio Landlords
    • Limited Company

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    • First Time Buyers
    • Home Movers
    • Re-mortgage to raise Capital

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Lifetime Mortgages

    • No income required
    • Optional Monthly Payments
    • For age 55 and over

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Protection & General Insurance

    • Life &/or Critical Illness Insurance
    • Buildings & Contents Cover
    • Income Protection

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Specialist Lending

    • Commercial Semi-Commercial
    • Owner Occupier Business Premises
    • Bridging & Development Finance

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Ex Pats & Foreign Nationals

    • Residential Mortgages
    • Buy to Lets
    • First Time and Next Time Buyers


Here is what people are saying about our services ...


  • Stage 1-Finding out if you can get a mortgage.

    Establish the likelihood of obtaining the mortgage you require. It can sometimes be tempting to assume the finance will be no problem, and easy to come by, but this is not always the case. Complete a quick and easy form that will allow us gather information we need, along with your objectives & product preferences and then let us go to work.

  • Stage 2-Agreement in Principle (AIP).

    We will talk you through what documents are required at this stage, such as proof of identification, address & income. In most instances if the details provided to us are correct and up to date, then the AIP result would be positive, which subsequently would allow us to generate and provide you with an AIP certificate.

  • Stage 3-Mortgage application.

    We now convert your AIP to a full application. We present to the lender your thoroughly packaged file, which is done with due care & accuracy. The lender will then underwrite the case and approve the file. After which they carry out a valuation of the property and upon receipt of a satisfactory valuation the case is then proceeded to offer.

  • Stage 4-Mortgage offer

    Now that you are in receipt of a mortgage offer, your appointed solicitor will carry out the necessary conveyancing and work with you to progress the matter to completion. Remember you can continue to reach out to Investa Finance pre and post completion - we will be here as & when you need us.

Frequently Asked Questions…

  • Can I get a mortgage with bad credit?

    If you have a history of bad credit including; arrears, defaults, county court judgements (CCJs), debt management plans or bankruptcy, there are still mortgage options available. Your choice of mortgage lender and type of mortgage will however be limited, and the rate of interest will be higher than someone who has a good credit rating. Our expert mortgage brokers are in regular contact with adverse mortgage lenders and are well placed to advise you on all your available options.

  • How much deposit do I need?

    To buy a home with a mortgage, you will need to save a deposit of at least 5%. The more you can save, the better your mortgage rate will be. There are a few exceptions to this however as follows: • If you already own a home, you can use the equity from your property for the deposit • If you are a council tenant and are looking to buy your current home under the Right to Buy scheme, most mortgage lenders will now accept your Right to Buy discount as a deposit. With property prices increasing, first time buyers are struggling to save enough money to buy a home. We are experts on all the various mortgage deals available and can help you decide which mortgage deal best fits your needs.

  • How much can I borrow?

    Some mortgage lenders will lend you up to five times your salary. However, this is dependent on a number of factors including your age, number of dependants and current financial commitments. Lenders generally work out how much they will lend you based on what you can realistically afford each month after you have paid your bills, credit cards, loans etc. Our mortgage advisers can help you understand how much you can realistically borrow before an application or credit search is completed, by assessing your individual needs and circumstances. If you choose to proceed with an application, then our advisers will know which mortgage lenders to approach to ensure you get the required loan amount.

  • How long does the process take for getting my mortgage approved?

    Getting a mortgage application approved is dependent on you, your mortgage broker and lender. At Investa Finance, we will support you through the process and guide you to have all the relevant documents prepared and ready for your mortgage adviser so to help speed up the process. Typically, we can achieve an offer in approximately 2-3 weeks of submitting your application. In this time, the lender would carry out a valuation, verify supporting documents and income proofs as required. In other word they complete the underwriting process and all being well, they approve your mortgage loan.

Meat The Team…


Mo Miah

Managing Director

Anand Patel

Mortgage & Protection Consultant

Ashvin Koneru


The team at Investa Finance has many years’ experience providing financial solutions to clients, whether they are taking their first step on the property ladder or they are seasoned investors expanding their portfolio or refinancing to take advantage of market opportunities.

We are independent and access mortgages from the whole of the market. With the range of available services we offer, combined with our flexible client-focused approach, we seek to be your preferred mortgage intermediary of choice.

Our team offer related services in addition to mortgage advice, such as insurance for your buildings and contents, payment protection for your mortgage, and including protection in areas such as Life, Critical Illness and Income Protection. We can also assist you with Estate Planning, helping you to plan for your family’s future and consider Wills and Lasting Powers of Attorney.

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