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We are the Specialist Mortgage Broker in the UK

At BM14 Finance, we cover all mortgage applications for residential as well as commercial lenders. Whether you are looking to buy your first home, re-mortgaging your property or an investor looking to build a property portfolio. We are here to help.

Mortgages

Types of Mortgages We Offer

If you’re buying your first home, remortgaging, investing in a rental property or moving house, BM14 Finance is here to make the mortgage process easier. As a first-time buyers, we’ll help you find an option that works with your budget. If you’re remortgaging, we’ll look at the available deals to help you find a better rate. For buy-to-let, we’ll help you find a mortgage that suits your plans as a landlord. And if you’re a home mover, we’ll guide you through arranging your next mortgage from start to finish.

Not sure which one applies to you, or want to see what your monthly payments might look like? You can use our mortgage calculator to get a quick estimate based on your loan amount, interest rate, and term, and monthly budget.

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How Mortgages Work with BM14 Finance. From Enquiry to Completion

Find a mortgage is easy in the UK. If you’re buying in London or Hempstead, Kent. We search the market to give you suitable, available mortgage rates and mortgage deals matched to your circumstances, so you always know you’re getting the right option for your situation.

Understanding Your Requirements

We start by understanding your requirements and performing an eligibility check to see what options are realistically available to you, based on your income, deposit, and future plans.

Documents You'll Need

We need a copy of your ID (driving licence, passport), proof of funds for your deposit (e.g. bank statements), and proof of income (e.g. payslips, tax returns).These documents let us complete your affordability and KYC (know-your-client) checks.

Reviewing Your Options & Agreement in Principle

We present the best available options based on your eligibility check, so you can compare each one. Once you've chosen, we proceed to obtaining an "Agreement in Principle" from the lender, which sets out the terms of your mortgage, including rate and repayment terms, before you go any further.

Finalising the Paperwork

It's then a simple case of finalising the paperwork and getting you ready for your new home. The entire process can take as little as 6 weeks, depending on how quickly documents are provided.

We Work with Top Banks in UK and Beyond

We work with over 200 lenders from mainstream high street names to specialist providers, giving you access to the widest possible range of mortgage deals.

Mainstream lenders include: Barclays, HSBC, Nationwide, Halifax, Coventry BS, Bath BS, Allica Bank, Aldermore, Accord Mortgages, and more.

Specialist lenders include: Affirmative, MT Finance, United Trust Bank, CHL Mortgages, BFS, Afin Bank, Albatros Capital, BM Solutions, Coutts, and 190+ others for applications that don’t fit the standard “high street” criteria.

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What Type of Mortgage Do You Need?

If you are buying your first home, we guide you through the whole process, explain your options clearly, and help you find a mortgage that fits your budget and future plans.

Whether your current deal is ending or you want a better rate, we help you review your options and switch to a mortgage that could save you money or better suit your needs.

If you are purchasing or refinancing a rental property, we can help you find a suitable buy-to-let mortgage based on your investment goals and expected rental income.

If you are selling your current property and buying another, we help you decide whether to transfer your existing mortgage or arrange a new one. We will also help you plan for costs such as stamp duty and legal fees, making your move as smooth as possible.

Bridge Finance for a Faster Property Completion

If you are in a rush to complete your property purchase and can’t wait for your mortgage to close, Bridge Finance might be the ideal solution for you. We can arrange a short-term (bridging loan) of up to 75% of property value to help you complete your purchase.

Bridging loans are typically for a period of 3 months and repaid upon securing a normal mortgage post completion of your purchase.

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Free Consultation

Start with a no-obligation consultation where we discuss your goals, finances, and protection needs, helping you understand the next steps with clarity.
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Dedicated Adviser Support

You’ll work with a dedicated adviser who understands your situation and provides clear, consistent guidance throughout your mortgage or protection journey.

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Frequently Asked Questions

No, getting a mortgage in principle with BM14 Finance doesn't affect your credit score. Most lenders carry out a soft credit check at this stage, which is only visible to you and does not impact your rating. A full credit check only happens once you submit a formal mortgage application.

At BM14 Finance, the process can take as little as 4 to 6 weeks, though timelines vary depending on your circumstances and the lender involved. The biggest factor is how quickly you can provide the required documents, the sooner we receive everything we need, the faster we can move your application forward.

Eligibility depends on your income, credit history, and deposit, but to get started you will need a copy of your ID (driving licence or passport), proof of funds for your deposit (such as bank statements), and proof of income (such as payslips or tax returns). These basic documents enable us to perform an affordability check and the required KYC (know-your-client), so we can confirm what you are eligible for.

Applying starts with a free consultation, where we understanding your requirements, finances, and what you are looking for. From there, we recommend suitable options and explain them clearly, so you know exactly what you are choosing. Once you are happy to proceed, we handle the paperwork and liaise with the lender on your behalf, keeping you updated at every stage.

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