Aston James Bespoke Mortgages - Bishops Stortford Mortgage Broker
Cambridge
Mortgage advice covering bad / adverse credit, self-employed, later life / equity release and 3 more. Aston James Bespoke Mortgages has not recorded a fee structure.
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About Aston James Bespoke Mortgages
Aston James Bespoke Mortgages - Bishops Stortford Mortgage Broker is a UK mortgage broker based in Cambridge. Its website describes mortgage advice for residential mortgages, buy-to-let, first-time buyers, self-employed borrowers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Aston James Bespoke Mortgages records 6 areas of advice from its base in Cambridge: bad / adverse credit, self-employed, later life / equity release, buy-to-let, first-time buyers and residential.
Covering both adverse credit and self-employed lending is the harder end of the market — those two together are exactly the cases high-street lenders turn away, and they need a broker who knows the specialist panel.
Bad / Adverse Credit
Adverse credit work means the firm places cases that high-street lenders decline — defaults, missed payments, CCJs, IVAs and discharged bankruptcies. Lenders in this space price by how recent and how severe the event was, so the date on your credit file matters more than the amount.
Read the bad / adverse credit guideSelf-Employed
Self-employed cases turn on how a lender reads your income. Some average two or three years of accounts, some use your latest year, and sole traders, limited-company directors and day-rate contractors are all assessed differently. A firm that does this regularly knows which lenders sit where.
Read the self-employed guideLater Life / Equity Release
Later-life lending and equity release are separately regulated and have long-term consequences: interest can roll up against the value of your home, and it changes what is left in your estate. Advisers need a specific qualification to recommend it.
Read the later life / equity release guideBuy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. With self-employed lending also covered, business-owner landlords should find both halves of the case understood.
Read the buy-to-let guideFirst-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see. Adverse credit is also covered, which is the usual sticking point on a first application.
Read the first-time buyers guideResidential
Standard residential advice covers buying, moving and remortgaging on your own home — the bulk of UK mortgage lending, and the area where switching deal at the right moment usually saves the most. Here that runs alongside adverse-credit work, so it covers people a high-street lender has already turned down.
Read the residential guideFees: what this means for you
Fees not specified
We hold no fee structure for this listing, so we cannot say either way — the tailored questions below cover what to ask. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask Aston James Bespoke Mortgages
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2Do you charge a broker fee? If so, how much, and when is it due?
- 3Given what is on my credit file and when it happened, which lenders would consider me, and roughly how much more will that cost than a high-street rate?
- 4How will lenders read my income — salary plus dividends, net profit, or day rate — and do you work with lenders that use my latest year rather than an average?
- 5What qualification does the adviser hold for equity release, and how would rolled-up interest affect what I can leave to my family?
- 6How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 7Do you see clients at your Cambridge office, or is this handled by phone and video?
Getting in touch with Aston James Bespoke Mortgages
Aston James Bespoke Mortgages lists a phone number alongside its own website, so you can either call or start with an online enquiry.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
What does Aston James Bespoke Mortgages charge for mortgage advice?
Not recorded on this listing — ask Aston James Bespoke Mortgages directly, as it must tell you before you commit. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
What types of mortgage does Aston James Bespoke Mortgages handle?
Aston James Bespoke Mortgages - Bishops Stortford Mortgage Broker records bad / adverse credit, self-employed, later life / equity release, buy-to-let, first-time buyers and residential, working from Cambridge. Ask anyway if your case sits outside that list.
Can Aston James Bespoke Mortgages help if I have bad credit?
Aston James Bespoke Mortgages lists adverse credit as an area it covers, which means it places cases involving defaults, missed payments, CCJs or an IVA. Bring the dates and amounts from your credit file to the first conversation — specialist lenders price on how recent the event was, so an adviser cannot give you a realistic answer without them.
Does Aston James Bespoke Mortgages only cover Cambridge?
Aston James Bespoke Mortgages - Bishops Stortford Mortgage Broker is listed in Cambridge, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Cambridge on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.