Business Details
Expert Mortgage Solutions for Complex Cases
PFC Mortgages has been serving brokers and their clients for over two decades, specializing in connecting borrowers with niche and private mortgage solutions. Our expertise lies in addressing complex financing needs where traditional high street lenders cannot accommodate, offering tailored products for adverse credit scenarios, self-certification cases, and non-standard properties. We maintain a streamlined process where some clients receive mortgage offers based solely on property valuations, without requiring extensive documentation upfront. Our team prioritizes transparency, regularly updating brokers on case progress while providing direct support for queries. As a broker-centric platform, we focus on delivering flexibility in income assessment, competitive loan-to-value ratios up to 100% with additional security, and access to exclusive private lender networks.Our commercial mortgage solutions cater to freehold pubs, industrial units, and investment properties with LTVs up to 80% at rates starting from base rate +3%. The secured loan division offers terms from 7,500 to 250,000 with no upfront fees, accommodating both prime and adverse credit profiles. Through strategic partnerships like Age Partnership for equity release, we maintain industry-leading compliance standards while achieving 99.1% client satisfaction. All services operate under strict regulatory frameworks, ensuring adherence to the Consumer Credit Act and treating customers fairly principles.
Services
Residential Mortgages
Buy to Let Mortgages
Commercial Mortgages
Secured Loans
Equity Release
Bridging Finance
Development Finance
Self-Certification Mortgages
Adverse Credit Mortgages
Investment Property Loans
Highlights and features
- We specialize in mortgage solutions where high street lenders cannot accommodate
- We offer exclusive access to private lender networks for unusual cases
- We provide competitive loan-to-value ratios up to 100% with additional security
- Our process secures mortgage offers with only property valuation in some cases
- We maintain 99.1% client satisfaction through transparent case progress updates
Associations and certifications
- Age Partnership
Services
Commercial Mortgages
PFC Mortgages provides commercial financing solutions for properties including pubs, offices, and industrial units. We offer loan-to-value ratios up to 80% at competitive rates starting from 3% above base rate, with options to secure 100% loans through additional asset security. Our experienced team assists with investment properties and owner-occupied commercial developments.
Secured Loans
Our secured loan products cater to prime and adverse credit profiles with loan amounts from 7,500 to 250,000. We offer flexible terms including fixed rate, deferred, and interest-only options without upfront fees. These loans can be used for property improvements, debt consolidation, or business investments while maintaining compliance with consumer credit regulations.
Equity Release
In partnership with Age Partnership, we provide whole-of-market equity release solutions for homeowners aged 55+. This service offers tax-free lump sums or regular income while retaining property ownership. We handle all compliance requirements with guaranteed no cross-selling to clients and maintain 99.1% satisfaction ratings through fast document processing.
Buy to Let Mortgages
Specializing in non-standard buy to let financing, we accommodate HMO properties, semi-commercial units, and overseas landlords. Our products feature no credit scoring requirements, flexible income assessments, and acceptance of limited company applications. We support brokers from application through to completion with dedicated case management.
Adverse Credit Mortgages
We specialize in mortgage solutions for clients with credit difficulties, including county court judgments and previous arrears. Our niche lenders offer competitive rates based on property equity rather than traditional credit scoring. This service includes residential and commercial options with personalized underwriting approaches for complex cases.
Questions
What mortgage products does PFC Mortgages specialize in?
We specialize in commercial mortgages, secured loans, equity release, buy-to-let mortgages, and adverse credit solutions through our private lender network.
How does PFC Mortgages assist brokers with difficult cases?
We provide access to niche lenders for cases declined by high street banks, including adverse credit scenarios and non-standard properties.
What commercial mortgage options are available?
We offer up to 80% LTV commercial mortgages at rates starting from base rate +3% for pubs, offices, warehouses, and investment properties.
What secured loan amounts can clients obtain?
Secured loans from £7,500 to £250,000 with no upfront fees, including options for self-certification and adverse credit profiles.
How does the equity release partnership work?
Through Age Partnership, we offer exclusive equity release products with 99.1% client satisfaction, handling all compliance requirements for brokers.
