Hazel Finlay Mortgage Solutions
Birmingham
Mortgage advice covering bad / adverse credit, self-employed, commercial and 1 more. Hazel Finlay Mortgage Solutions has not recorded a fee structure.
Main contact
About Hazel Finlay Mortgage Solutions
Hazel Finlay Mortgage Solutions is a UK mortgage broker based in Birmingham. Its website describes mortgage advice for buy-to-let, self-employed borrowers, commercial finance. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Hazel Finlay Mortgage Solutions records 4 areas of advice from its base in Birmingham: bad / adverse credit, self-employed, commercial and buy-to-let.
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 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 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. 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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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 Hazel Finlay Mortgage 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?
- 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 deposit, trading history and security will a commercial lender want from me, and how long does a decision usually take?
- 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 Birmingham office, or is this handled by phone and video?
Getting in touch with Hazel Finlay Mortgage Solutions
Hazel Finlay Mortgage Solutions 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 Hazel Finlay Mortgage Solutions charge for mortgage advice?
Not recorded on this listing — ask Hazel Finlay Mortgage Solutions directly, as it must tell you before you commit. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
What types of mortgage does Hazel Finlay Mortgage Solutions handle?
Hazel Finlay Mortgage Solutions records bad / adverse credit, self-employed, commercial and buy-to-let, working from Birmingham. Ask anyway if your case sits outside that list.
Can Hazel Finlay Mortgage Solutions help if I have bad credit?
Hazel Finlay Mortgage 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 Hazel Finlay Mortgage Solutions only cover Birmingham?
Hazel Finlay Mortgage Solutions is listed in Birmingham, 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 Birmingham 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.