A mortgage is one of the biggest financial commitments most of us are likely to make in our lifetime.
Whether you are a first-time buyer or have a property portfolio, having the right mortgage can save you thousands of pounds. Also, with so many lenders offering such a vast array of products, it is vitally important to seek the right specialist advice from a whole of market advisor who is truly independent.

We can provide this help.

Purchasing Your First Home

Buying a house can be a daunting experience for anyone, but if you are a first time buyer, it can be overwhelming. For your first house purchase, you need to be sure that you have the best possible help and advice from fully trained professionals.

Whilst sometimes a stressful time it is also hugely exciting and we can be with you along the way taking care of everything to make the process as smooth and stress-free as possible.


Remortgaging is a step taken by many homeowners for a variety of reasons – you may want to find a better deal on your existing repayments, consolidate any debts you may have or raise extra money for home improvements. 

Whatever the reason, it is important you have the best assistance available to you. Usually, the best time to look for a new deal is about 3-4 months before your existing deal is due to expire.

Moving Home

Moving house is a process that can be particularly stressful, thanks to the seemingly endless paperwork and other tasks that need to be carried out in order to complete the move. There are many different aspects to moving house, but the most important is the mortgage as without that, the rest is all irrelevant.

We can get you an AIP or DIP (Agreement or Decision in Principle)– this is a vital part of any house move, as an estate agent won’t accept an offer on a house without an AIP/DIP in place, and sometimes they won’t even let you view a property without one. An AIP/DIP proves that you have a mortgage in place, which allows you to make offers to estate agents. 

Then, once your offer has been accepted and your chain is in place, we can guide you through the application process and ensure everything goes smoothly through to completion.

Buy to Let

We can help whether you are a first-time landlord or have successfully built a buy-to-let portfolio in your personal name or within a company (SPV – Special Purpose Vehicle). Whatever your circumstances, you will be aware that with ever increasing regulation and the changes to your personal tax relief, applying for a buy-to-let mortgage has become more complex. We understand each and every lender’s criteria so that we can make sure you get the best possible buy-to-let mortgage for your circumstances.

Home Improvements

When living in a property, it is likely that it will need some improvements from time to time – whether that is renovations or repairs, small or large scale. Often the cheapest and most cost effective way of raising the additional funds that you need is through the equity you have in your property.

Debt Consolidation

If you want to consolidate debts and lower your monthly payments then remortgaging your home could be the ideal solution. The lowest rate of interest you will usually get is on your mortgage, so by consolidating your debt by increasing your mortgage you can get a much lower overall rate than you would potentially have on loans, credit cards, store cards etc…

Specialist Mortgages

An increasing number of lenders are now offering a diverse range of specialist mortgage products which may be appropriate for your needs, if your circumstances are more complicated than the norm. 

The list below is not exhaustive, but a guide to the more complex mortgages we could arrange.

Self-Employed Mortgages

You now only need one year’s accounts to get approved with some high street lenders

Mortgages for Directors

We have access to lenders that will use your company profit rather than your personal income for affordability

Bridging Loans

When you desperately want to break the purchase chain or when a traditional mortgage isn’t possible, bridging finance could provide the solution

Limited Company Buy to Lets

These can offer certain tax advantages and we will find the very best products in the market for you.

Contractor Mortgages

Knowing which lenders to approach is where we stand out in this area. There are high street lenders that will assess affordability on the contract alone.

Expat Mortgages

Aimed specifically at UK Expatriates that still have a need for a UK mortgage.

Second Charge Mortgages

If you need to release money from your home but do not want to move your main mortgage away from your current lender.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Contact one of our mortgage specialists today

Contact Us
100 High Street
5th Floor, The Grange
London, N14 6BN
Pentagon Wealth is the trading name of Pentagon Wealth Ltd. Pentagon Wealth Ltd is an Appointed Representative of Julian Harris Financial Consultants, authorised and regulated by the Financial Conduct Authority No. 153566. Pentagon Wealth Ltd – Registered Address: 100 High Street, 5th Floor, The Grange, London, N14 6BN – Registered in England, No. 846206