Bright Money Independent Mortgage Broker
We have access to 1000’s of different mortgage deals to fit your circumstances, our expertise with the lenders will help guide you to the most suitable mortgage deal.
Independent Mortgage Advice
At Bright Money Independent, our mortgage brokers assist thousands of people to secure the right mortgage and insurance deals. It can be a complicated process, but you can relax knowing you have an expert at BMI, helping you from start to finish.
Our ethos is to provide people with clear and simple tailored solutions, that they may not find elsewhere.
We expect you to be so impressed with our knowledge and service, that you recommend us to friends and family.
Our brokers offer free, comprehensive mortgage advice, which considers the new tax implications for landlords. Some options include; standard buy-to-lets, let-to-buys, ex-council, limited company, HMO (House of Multiple Occupancy), freehold flats and short leasehold buy- to-lets (to name but a few).
With house prices sky high and an ageing population, many lenders have come together to create a niche mortgage product, Equity Release. This allows owners over 55 to release some of the capital in their home, for, home improvements, holidays, clearing the existing mortgage or gifting to children to get them on the housing ladder. T&Cs apply and it is LTV and age dependent but, a really good product for the right situation.
For those that can show some type of affordability, Retirement Interest Only or RIO might also be an option, this is becoming popular and is more similar to a traditional mortgage.
Equity release refers to home reversion plans and lifetime mortgages. To understand the features and risks, ask for a personalised illustration.
Personal and Business Protection
There are various reasons for choosing protection products, most people use them to protect their mortgage, because it is a big commitment. Other prudent clients may protect business interests, future tax liabilities and even provide their family with income in the event of death.
Life Insurance Critical Illness Cover Income Protection Relevant Life Key Person Insurance Shareholder Protection Business Loan Protection