Business Details
6 Years
experience
Trusted Fee-Free Mortgage Broker in Cirencester
Established as a trusted mortgage advisory service, we specialise in providing independent, fee-free mortgage solutions tailored to individual client needs. Our team leverages extensive industry experience and advanced technology to streamline the mortgage process while maintaining cost efficiency. Regulated by the Financial Conduct Authority, we prioritise transparent communication and client-centric service, ensuring clients receive optimal mortgage products from a wide range of lenders. With a focus on residential and buy-to-let mortgages, we support first-time buyers, property investors, and professionals navigating complex financial scenarios. Our commitment to ethical practices, evidenced by FCA authorisation (FCA No 939122), underscores our position as a reliable partner in mortgage advisory services.
Services
Fee-Free Mortgage Advice
Buy-to-Let Mortgages
HMO Mortgages
Limited Company Director Mortgages
Remortgaging
Served areas
- Kemble,Cirencester,Swindon,Gloucester,Cheltenham,London,Gloucestershire,Bath,Bristol
Details
- Year established: 2020
- Employees: 1
Highlights and features
- Mortgage Advice
- Mortgage Broker
- FTB Mortgage
- BTL Mortgage
- HMO Mortgage
- Remortgage
Associations and certifications
- FCA
What people say
Excellent service
Quick responses
Highly recommend
Smooth process
Professional and knowledgeable
Services
Fee-Free Mortgage Advice
We provide impartial mortgage advice at no direct cost to clients. Lenders fund our services through commissions, enabling access to thousands of mortgage products. Our FCA-regulated advisors assess individual circumstances to recommend suitable deals while maintaining transparency about all fees and charges involved.
Buy-to-Let Mortgages
Specialist advice for property investors seeking buy-to-let financing. We navigate complex lender criteria for limited company directors, portfolio landlords, and HMO operators. Our service includes assessing affordability, identifying competitive rates, and guiding clients through the application process for residential and commercial investment properties.
HMO Mortgages
Tailored solutions for HMO financing and licensing requirements. We assist clients in understanding Article 4 direction compliance and sourcing mortgages specifically designed for multi-occupancy properties. Our expertise covers both standard and specialised HMO lending criteria across various property configurations.
Limited Company Director Mortgages
Dedicated support for business owners and contractors requiring non-standard income verification. We access lenders accommodating dividend-based income assessments and complex financial structures. Our service simplifies mortgage applications for directors using limited companies for property investments or personal residences.
Remortgaging
Expert guidance for homeowners seeking better mortgage terms. We analyse existing deals, calculate potential savings, and identify remortgage opportunities with improved interest rates or flexible features. Our process includes assessing early repayment charges and ensuring seamless transitions to new mortgage products.
People
Neil Cutmore
Mortgage Advisor
With extensive industry experience, Neil provides personalised mortgage solutions while prioritising clear communication. He specialises in complex cases involving limited company directors, HMOs, and buy-to-let portfolios. His client-focused approach ensures transparent advice and efficient mortgage completions.
Questions
What is a fee-free mortgage broker?
We receive commission from lenders instead of charging clients directly, enabling impartial advice across thousands of mortgage products without additional fees.
Do you offer buy-to-let mortgages?
Yes, we specialise in buy-to-let financing for standard and complex cases, including limited company structures and HMO properties.
Are you regulated by the FCA?
Yes, we are directly authorised by the Financial Conduct Authority under reference 939122 for mortgage advisory services.
How do HMO mortgages work?
HMO mortgages require specialist lenders accommodating multi-occupancy properties. We guide clients through licensing requirements and sourcing suitable financing options.
Can limited company directors get mortgages?
Yes, we assist directors using limited companies for property investments, accessing lenders that consider dividend-based income assessments.
Reviews (8)
Kunal Patel
Jan 05, 2023
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Neil was brilliant. Helped me with 2 mortgages at the same time - and managed to get offers in before much of the recent rate increases.
Katie Palmer
Sep 27, 2022
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Neil provided excellent service, advice and communication throughout. He efficiently sourced many competitive options from lenders finding the optimum deal.
John Scott
Feb 23, 2021
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Neil is fantastic to work with, quick, efficient, and really helpful. As I was a first time buyer he walked me through the whole process. I have since recommended him to friends and they have had the same experience!
Mikey Brown
Feb 23, 2021
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Being first time buyers, we knew practically nothing! Neil was a hero in helping us not only get a mortgage but understand the process, offering advice on each step and being on the phone whenever we had a question.
Selena Bristow
Feb 23, 2021
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Thanks to Neil Cutmore I was able to buy my first house. Through his knowledge and understanding of my needs, he made the process seamless. Neil provides a excellent reliable service and helps you every of the way.
Vanessa Bellamy-Fowler
Feb 23, 2021
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Neil was super! Friendly and knowledgeable. Gave us more information in the first 15 minutes than most banks in 30! Highly recommend him!
Alison Holmes
Feb 23, 2021
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Great friendly service, tenacity to see things through when banks are being useless. Thanks Neil for making the process as painless as possible.
Graham Cossey
Feb 23, 2021
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Neil has provided us with a BTL mortgage in less than half the time our previous broker took to fail (twice). Very efficient service, will be using Neil again.