We arrange residential and buy-to-let mortgages, bridging finance, development finance and commercial mortgages. We also help with refurbishment funding and complex cases, supporting homeowners, landlords, property investors, developers and businesses.

We may be able to help. We’ll review why your mortgage or property finance application was declined, assess your circumstances and explore whether other lenders’ criteria may be suitable. Approval cannot be guaranteed, but we’ll explain the options available and any potential obstacles.

Yes. We help limited companies and portfolio landlords explore buy-to-let mortgages, refinancing and funding for further property purchases. We consider your existing portfolio, company structure and future plans when researching suitable options.

Bridging finance can be suitable when time is tight. The timescale depends on the property, lender, valuation, legal work and how quickly the required information is available. Tell us your deadline early so we can assess what may be achievable.

Yes. We help arrange finance for property refurbishment, conversion and development projects. We’ll discuss the property, planned works, budget and how you intend to repay the finance, then research suitable funding options.

It may be possible to raise funds against another property you own. We’ll review its value, any existing borrowing, the amount required and your circumstances to explore suitable options. Any property used as security could be at risk if repayments are not maintained.

We may charge a fee for our advice and/or arranging your finance. We also typically receive commission from providers. Any fee payable by you and how we are remunerated will be explained before you proceed. Please see our Fee Scale for further details.

No. We arrange both regulated and unregulated mortgages and property finance. Not all products we arrange are regulated by the Financial Conduct Authority (FCA). Penny House is a trading style of City Finance Brokers Ltd, which is authorised and regulated by the FCA under Firm Reference Number 766295.