Cavendish Financial Solutions - Mortgage Advisers Eastbourne
Brighton
Mortgage advice covering bad / adverse credit, commercial, buy-to-let and 2 more. Cavendish Financial Solutions is listed as fee-free.
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About Cavendish Financial Solutions
Cavendish Financial Solutions - Mortgage Advisers Eastbourne is a UK mortgage broker based in Brighton. Its website describes mortgage advice for residential mortgages, buy-to-let, first-time buyers, commercial finance. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Cavendish Financial Solutions records 5 areas of advice from its base in Brighton: bad / adverse credit, commercial, buy-to-let, first-time buyers and residential.
Pairing first-time-buyer work with adverse credit is worth noting: a thin or damaged credit file is the single most common reason a first purchase falls over, and it needs a lender chosen for that rather than for its rate.
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 guideCommercial
Commercial mortgages are underwritten case by case rather than from a rate table. Lenders look at the trading business behind the purchase, the property type and your experience, and terms are negotiated rather than advertised.
Buy-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. Alongside commercial lending, that points at semi-commercial units and HMOs rather than single flats.
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
Fee-free to you
Fee-free means the lender pays this firm a procuration fee on completion, so the advice costs you nothing directly. You still pay any lender product fee, valuation and legal costs. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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Questions to ask Cavendish Financial Solutions
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2You are listed as fee-free — does that hold for a case like mine, and what will the lender be paying you?
- 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?
- 4What deposit, trading history and security will a commercial lender want from me, and how long does a decision usually take?
- 5How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 6What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 7Do you see clients at your Brighton office, or is this handled by phone and video?
Getting in touch with Cavendish Financial Solutions
Cavendish Financial Solutions lists a phone number, an email address and its own website, so use whichever suits.
- 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 Cavendish Financial Solutions charge for mortgage advice?
Cavendish Financial Solutions is listed on MortgageMatch as fee-free, meaning the broker is paid commission by the lender rather than charging you for advice. You would still pay any lender product fee, valuation and legal costs. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
What types of mortgage does Cavendish Financial Solutions handle?
Cavendish Financial Solutions - Mortgage Advisers Eastbourne records bad / adverse credit, commercial, buy-to-let, first-time buyers and residential, working from Brighton. Ask anyway if your case sits outside that list.
Can Cavendish Financial Solutions help if I have bad credit?
Cavendish Financial Solutions 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 Cavendish Financial Solutions only cover Brighton?
Cavendish Financial Solutions - Mortgage Advisers Eastbourne is listed in Brighton, 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 Brighton 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.