Contrary to popular belief, your mortgage is a key part of your financial plan. If you get it wrong, you and your family could suffer; if you get it right, you could position yourself for a bright and financially secure future. We are a whole of market mortgage broker, providing advice and guiding you through the mortgage process.

Equity Release, including Lifetime Mortgages and Home Reversion Plans, will reduce the value of your estate and can affect your eligibility for means tested benefits.

Alex Cheema does not provide mortgage or equity release advice. This service is by referral only. Anything written is for educational purposes only.

Equity Release is available by referral only.

Residential, BTL, Commercial mortgages and Bridging Loans are available by referral only.

The Financial Conduct Authority do not regulate commercial mortgages.

Tax treatment varies according to individual circumstances and is subject to change

Residential Mortgages & Remortgages

Whether you are a first time buyer, potentially moving back to the UK to purchase your first home, or are looking to buy a bigger home, a mortgage will normally be required…

Special Purpose Vehicles & Limited Company Loans

Limited companies can be used to purchase buy-to-let (BTL) properties – rental funds can then be drawn from the company through salary, expenses and benefits, dividends, or directors loans…

Contractor & Director Mortgages

If you are looking to buy a house you are likely to need a mortgage. Getting a suitable mortgage is a key part of a financial plan.


Whether you are looking at buying-to-let, where you are borrowing to invest in a rental property, or letting-to-Buy, if you want to turn your current home into a house that generates income, the Buy-to-let mortgage market is a specialised one…

Bridge Loans

A bridge loan is a short-term loan, 6-12 month term, used in the most by property speculators but also by people who are renovating for example. It is a means to fund a project, where the end goal may be to sell the property or buy another. We do not advise on Bridging Loans but refer customers to a specialist broker.

Commercial Mortgages

A commercial mortgage is a loan from a bank, building society or other specialist funding institute that is arranged for purchasing or refinancing property that is primarily used for commercial or business use…

Equity Release

Equity release is a product where you either sell part of your home or borrow against the value of the home, whilst retaining the right to live in it until death, sale or longterm care. The idea is to raise funds towards living or lifestyle, i.e. for the asset rich, cash poor person.

Self-employed mortgages

When it comes to getting any mortgage, opting to do it yourself you can involve a lot of time trawling websites, comparing best buys and traipsing round various lenders. All of this takes time and it can be hard to know if you’ve made the right choice. It’s a fact that mortgage applications made through an adviser can often go through quicker…

Mortgages these days can be complex….  The key thing to note is that quality financial advice is holistic, that means if one piece of the puzzle doesn’t fit then the picture, as a whole, won’t look right. Unfortunately, managing & understanding risk is something that is overlooked by many brokers; understanding how a mortgage it fits into your broader long term financial plan is key. My team and I are able to provide valuable insight (not advice) into the local residential and Buy-to-Let (BTL) property market as well as providing you with referrals to independent, whole of market mortgage brokers so you can find the right product for you.

A CMortgages