Coast Financial Solutions
Swansea
Mortgage advice covering self-employed, buy-to-let, residential. Coast Financial Solutions has not recorded a fee structure.
About Coast Financial Solutions
Coast Financial Solutions is a UK mortgage broker based in Swansea. Its website describes mortgage advice for residential mortgages, buy-to-let, self-employed borrowers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Coast Financial Solutions works across self-employed, buy-to-let and residential from Swansea — a focused listing led by self-employed work.
Self-employed and buy-to-let together suit business owners buying property, where income evidence and rental stress testing both have to line up.
Self-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 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 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. Paired with self-employed lending, it should cover employed and variable-income applicants equally.
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 Coast Financial Solutions
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?
- 3How 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?
- 4How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 5Based on my income and commitments, what is the realistic maximum here, and when should I be starting the next remortgage?
- 6Do you see clients at your Swansea office, or is this handled by phone and video?
Getting in touch with Coast Financial Solutions
Coast 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 Coast Financial Solutions charge for mortgage advice?
Not recorded on this listing — ask Coast Financial Solutions 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 Coast Financial Solutions handle?
Coast Financial Solutions records self-employed, buy-to-let and residential, working from Swansea. Ask anyway if your case sits outside that list.
Does Coast Financial Solutions work with self-employed borrowers?
Yes — self-employed lending is one of the areas Coast Financial Solutions lists. Have your last two to three years of accounts or SA302s and corresponding tax year overviews ready. The figure you can borrow depends heavily on which lender is used, because they treat retained profit, dividends and contract income very differently.
Does Coast Financial Solutions only cover Swansea?
Coast Financial Solutions is listed in Swansea, 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 Swansea 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.