Home and Buy to Let mortgages advisers for all types of property

Truth. Simplicity. Transparency.

Home and Buy-to-Let Mortgages

Your mortgage is likely to be your single largest financial commitment.

With concerns about the possibility of interest rate rises, there’s never been a better time to switch your home and buy to let mortgages. You need to find the right deal now – and for the next few years.

Many of our clients come to us because they have been turned down for a mortgage elsewhere.

We don’t just deal with the ‘high street’ lenders – we offer a home and buy to let mortgages review service that is representative of the whole of the market. We can source funding from smaller, niche lenders and the newer challenger banks. We can help with equity release loans and find more competitive refinance re-mortgage rates.

Take a look at our Guide to Mortgages and Protection to get a feel for our service and how it will make your life, your mortgage loan and your move, easier for you.

If you are borrowing to invest in rental property, then we know that the buy-to-let market is complex. There are many different home and buy to let mortgages to choose from. Download our Borrow to invest in rental property fact sheet for more information on how we can help.

Gary Cosgrove is our senior mortgage advisor and Daniel Bailey is a qualified member of the Society of Mortgage Professionals.

Our Services & Expertise

Increasingly Estate Agents and Sellers are requesting a mortgage ‘Agreement in Principle’ before they can accept your offer. We can now offer a service designed to speed up this process. On receipt of the correct information it may be possible to obtain the agreement, before the full application process has started.

Please call us or email for further information regarding this service and bring these mortgage application documents with you to our first meeting, if you can.

A poor credit rating doesn’t mean you can’t get a mortgage

If you have missed a few credit card payments or made late payments, had a County Court Judgment (CCJ) awarded against you, have previously been made bankrupt or IVA, you may still be able to get a mortgage loan if you know where to look.

We have access to many specialist adverse credit lenders who take a more sympathetic view on poor credit history, contact us to find out what we can do for you.

Read more about re-mortgages and buy-to-let mortgages

The Financial Conduct Authority do not regulate buy to let and commercial mortgages.

Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.

Applying for a mortgage with us is easy and simple. We can manage all of the paperwork for you, saving you time and stress. We have an extensive database of high street and niche lenders, and challenger banks, to ensure we get the right mortgage for you.

Whether it is a home mortgage, commercial mortgage* or re-mortgage, we can provide appropriate advice and will be focused on getting your mortgage processed quickly. Take a look at our Remortgaging your property factsheet for more mortgage advice and help on securing a better interest rate.

How long will it take?

That’s a difficult question and sometimes that’s down to you, the quicker we get in all the information, the quicker we can apply! Most lending decisions are made within 24 hours, but mortgage offers can take longer – generally between 7 days and a month depending on the lender used. This may also depend on how busy the housing and mortgage market is and if you mortgage is complex.

Do you charge broker fees?

Every case and client is different, so our fees may be dependent on a number of circumstances. We will provide you with a breakdown of our fees on request, and please be assured that all initial discussions or meetings are at our cost, not yours.

* We will introduce you to a master broker to find the right commercial lending for your projects.

What makes us different?

"Can’t recommend Daniel Bailey highly enough. 5 star recommendation for him. He is very patient and took the time to understand our circumstances and worked very hard to acquire our mortgage for us. We are so very grateful to him."

"So, so happy with our experience with this company. They couldn’t have done enough for us!! I would highly recommend them to anyone. Daniel Bailey was the person who dealt with us and the standard of his professionalism couldn’t have been better. Nothing was too much for him!"

"From the outset, we found Ian’s professionalism, knowledge and expertise to be second to none. Throughout the process of setting up an investment portfolio to provide a monthly income, Ian provided regular updates, advise and guidance, all in a language that we could readily understand, being as how our knowledge of the financial market was very limited."

"We find Daniel to be incredibly helpful and responsive. He is not pushy and just gives simple, clear good advice. #TeamDaniel!"

"We have every confidence in Ian's exceptional knowledge and experience but also appreciate very much the great service from the team that Cosgrove Brown have built up around them."

"Ian looked at all our finances along with our pensions and explained everything so we fully understood. We feel more comfortable knowing what we will receive in retirement."

Carl Cerasuolo

"Without the help of Daniel we wouldn't be enjoying making memories in our beautiful forever home. He delivered a very personal service and listened to what we wanted from him. He was always on hand to answer any questions, we can't thank him enough for the 5+star service (February 2021)"

"Gary provided excellent advice and assistance with a complex purchase which involved a bridging loan and commercial funding. He understood the timescales and sourced lending when others couldn’t."

"Wanted to say thank you so much for all your mortgage help and advice over the past few months, you've been brilliant!"

"We were really impressed with the speed with which you processed the mortgage and the great rate of interest!"

"The company is first class, discriminating, intelligent, utterly trustworthy and dependable"

"Thank you for the excellent service and advice given, you made my journey hassle free and tax efficient, and now very profitable"

"Straight forward information and easy to follow progress, being able to see everything via the Old Mutual portal is excellent. Stress free from start to finish and such a good feeling about who is best at looking after my financial future."

"Daniel went above and beyond to help us with our first mortgage. He explained the mortgage, its rates and terms very clearly, he was extremely patient and professional, we would highly recommend him."

"My mortgage needs were not simple to deal with, but Dan’s knowledge and experience really shone through. He was professional in his dealings with me and explained everything to me in a clear and concise way, ensuring I fully understood the mortgage product I purchased."

H McGillivray

"The service at Cosgrove Brown really has been first class. Not only was Dan, the Mortgage Broker, friendly and relaxed, nothing was too much trouble for him. He seemed to go above and beyond in helping where he could. He really took a lot of pressure off me in what could have been a really stressful time. I would 100% recommend Cosgrove Brown, the service was exceptional and really good value for money too."

Samantha Lewis - Swansea

"I was recommended Cosgrove Brown by a family member and was not disappointed. Dan has now arranged 2 mortgages for me and each one has been completely stress free and that is amazing for someone who worries about everything. Dan was understanding of my situation and is extremely good at his job. He is always at the end of the phone or email with any queries I had day or night! He literally takes everything out of your hands and deals with it all from start to finish but keeps you updated all through the process. I honestly cannot recommend this firm in particular Dan Bailey enough. I now have a lovely home to call my own thanks to them!"

Christine - Swansea

"It was so nice to find someone who was happy to listen to all of my questions and concerns before we agreed on a plan of action."

Start your journey to a better financial future

You can talk to us in confidence about protecting your income and your family, residential and business mortgages, pensions, SIPPs, annuities, income drawdown, inheritance tax, wills and tax efficient investments. The first meeting is at our expense and without any obligation

You can contact us via telephone, email, or use the contact form below:

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Home and Buy To Let Mortgages

Truth. Simplicity. Transparency.

Your mortgage is likely to be your single largest financial commitment.

Our Services & Expertise

What makes us different?

Start your journey to a better financial future

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