- Services -

What Services do we Provide?

Please note: The FCA does not regulate some forms of Buy to Lets. Your home may be repossessed if you do not keep up repayments on a mortgage.

Residential Mortgages

Whether you’re buying your first home, moving, or simply reviewing your current deal, we're here to guide you through the mortgage process with clear, honest advice. We work with a wide range of lenders to find solutions that suit your circumstances — even if they’re not straightforward. We can help with:

· First-time buyers · Home movers and remortgages

· Foreign nationals (subject to lender criteria)

· 95% mortgages

· Shared ownership · New build properties

· All property types · Adverse credit cases

· Higher income multiple lending (where criteria allows)

Every case is assessed individually to ensure you get the most suitable and sustainable mortgage for your situation.

Buy-to-Let Mortgages

Whether you’re buying your first investment property or expanding an existing portfolio, I provide straightforward, strategic advice to help you make confident decisions. I support both new and experienced landlords in structuring their buy-to-let mortgages in a way that aligns with their long-term financial goals.

We can help with:

· First-time landlords

· Portfolio landlords

· Limited company (Ltd Co) buy-to-let mortgages

· Individual buy-to-let mortgages

· Buy-to-let remortgages

· Raising capital for further investment

· Portfolio reviews and restructuring

Our aim is to make the process simple, efficient and tailored to your property investment plans, now and in the future.

Buildings & Contents Insurance

Once your mortgage is arranged, protecting your property is just as important. I can arrange buildings and contents insurance to ensure your home or investment property is covered against unforeseen events — so you’re protected from day one.

“Our aim is to ensure clients are financially protected against unexpected life events such as illness, loss of income or death.” IDD (Regulated)

Life Insurance

Life insurance is about protecting the people who matter most. I’ll help you choose the right level of cover to repay your mortgage or provide financial security for your family, giving you peace of mind that they’re protected if the unexpected happens.

Critical Illness Cover

If you're diagnosed with a serious illness covered under your policy, critical illness cover provides a lump sum to help ease financial pressure. This could support mortgage payments, household bills, or simply give you space to focus on recovery.

Income Protection

Your income is one of your biggest assets. Income protection provides a monthly payment if you’re unable to work due to illness or injury, helping you maintain your lifestyle while you recover.

Business Protection

For business owners and directors, I provide tailored protection solutions such as key person cover, shareholder protection, and relevant life policies. These ensure your business and loved ones are financially protected if something unexpected happens.

"Professional and efficient. Prompt responses to queries. Process and options explained thoroughly every step of the way. Highly recommend."

– Sharon Nahal
(3rd February 2026)

- Bhandal Associates -