The mortgage market has become as complex as ever in recent years. We aim to make this process as easy, transparent and fast as possible, no matter how complex the situation may be.

Residential Mortgages

We offer completely independent advice, that has been shaped to support you with your financial situation.

Delivered through our professional Mortgage Advice Service, we will ensure you get the right mortgage to meet your individual needs. We understand that when selecting a mortgage the majority of time it comes down to fitting criteria as well as selecting the best product to suit you. Through our relationships with the mortgage lenders we will always find the most suitable solution.

Due to this we can help in the following situations:

  • Self employed clients with only one years accounts
  • Up to 5.5x income multiples
  • ‍Interest only mortgages
  • ‍Part interest only & part repayment mortgages
  • ‍Contractor mortgages
  • ‍Complex income structures
  • ‍Clients repatriating to the UK (expat clients coming home)
  • Self Build Mortgages
  • ‍Expat mortgages
  • ‍100% of Large Bonuses

Our experience and expertise allows us to cater for a wide range of client base. With key relationships not only with high street banks, but private banks we will work with you to place your lending need. 

Not everyone’s income is as straight forward as PAYE, this is where we will work closely with our clients to provide a timely and flexible solution for the more sophisticated borrowing requirement. 

This will also include self-build mortgages. A self-build mortgage will be suitable if you own a plot of land with planning and are then planning to build your own residential house then move in to it once the work is completed. Through the build there will be a higher charge of interest for the borrowing, but once the build has been completed you will be able to re-finance this with the existing lender to a market rate mortgage.

Your home may be repossessed if you do not keep up with your repayments.
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High Value Mortgages (£1,000,000+)

Contrary to popular belief, borrowing for the high net worth market is a lot harder than it appears on paper.

There are a lot of reasons for this, but it is mainly due to the fact that most high street banks have a lending cap of £1m when it comes to mortgages. This can leave many prospective mortgage applicants at a loss as to where to go to finance their dream home.

At Mesa Financial has noticed this issue and have built relationships with the biggest private banks in Europe. This has allowed us to offer mortgages with no cap, so no matter how much you are looking to borrow, as long as the financials fit we will be in a position to assist.

Due to this we can help with mortgages over £1m+

  • Complex income structures
  • Bonus payments taken in to account
  • No minimum income requirements
  • No asset under management requirement
  • Access direct to underwriters, not a computer decision

With our relationships with the Private Banks, we are well placed to offer you the right mortgage for your needs. Talk through your requirements with our experienced Consultants.

Your home may be repossessed if you do not keep up with your repayments.
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Buy To Let Mortgages

For residential property investments that won't be your primary residence, Mesa Financial Consultants offers unrivalled advice. 

Suitable for single or multiple investment purchases, buy-to-let mortgages are used for numerous reason including buying, remortgaging, debt consolidation, paying down residential mortgages, or funding improvements to residential investment property. Due to recent changes in buy to let regulation it is more important now more than ever to use a broker. 

Areas we can assist:

  • No minimum income criteria
  • Pay rate stress testing
  • Limited company buy to lets
  • No maximum age criteria (lifetime buy to let mortgages)
  • £1m + buy to let mortgages available
  • Raising funds for business ventures

If there is another reason you would like to raise funds please do not hesitate to ask, as our job is to make this happen. To keep you one step ahead in the competitive world of real estate, there is no limit to the number of properties we will consider helping you finance. Unlike many other brokers we can also assist in commercial structures of buy to let lending.

Some Buy to Let Mortgages are not regulated by the Financial Conduct Authority.
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The personal bespoke service James Mcgregor of Mesa was able to offer satisfied all my needs and then some. He managed to source the best deal on the Market which suited my situation at the time. The mortgage rate we achieved was more than affordable. In further dealings with James, we were able to form a good personal level business relationship where he took in all the information regarding my financial situation and offered a service tailored to just that. I was then able to achieve the equity release I required to invest in a further development of which the outcome was very successful.
Rhys Sibley, Shepperton

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Speak to one our fully qualified advisors absolutely free of charge to see if we can help you.

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