Mayflower Mortgage And Finance LTD
Exeter
Mortgage advice covering self-employed, commercial, buy-to-let. Mayflower Mortgage And Finance LTD charges a broker fee.
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About Mayflower Mortgage And Finance LTD
Mayflower Mortgage And Finance LTD is a UK mortgage broker based in Exeter. 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.
Mayflower Mortgage And Finance LTD works across self-employed, commercial and buy-to-let from Exeter — a focused listing led by self-employed work.
Running commercial alongside buy-to-let usually points at landlord and business-owner clients — semi-commercial units, HMOs and portfolios rather than single flats.
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 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
Charges a broker fee
You pay this firm for its advice on top of the lender's product fee, valuation and legal costs. Ask for the amount, the point at which it becomes payable and whether it is refundable if the case falls through — firms must disclose this before you commit. 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 Mayflower Mortgage And Finance LTD
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2What is your fee, when is it payable, and do I get it back if the application does not complete?
- 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?
- 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?
- 6Do you see clients at your Exeter office, or is this handled by phone and video?
Getting in touch with Mayflower Mortgage And Finance LTD
Mayflower Mortgage And Finance LTD 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
Does Mayflower Mortgage And Finance LTD charge a fee for mortgage advice?
Yes. Mayflower Mortgage And Finance LTD is listed as fee-charging, so you pay the firm for its advice in addition to lender and legal costs. Ask for the exact amount, when it becomes payable and whether you get it back if the application does not complete. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
What types of mortgage does Mayflower Mortgage And Finance LTD handle?
Mayflower Mortgage And Finance LTD records self-employed, commercial and buy-to-let, working from Exeter. Ask anyway if your case sits outside that list.
Does Mayflower Mortgage And Finance LTD work with self-employed borrowers?
Yes — self-employed lending is one of the areas Mayflower Mortgage And Finance LTD 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 Mayflower Mortgage And Finance LTD only cover Exeter?
Mayflower Mortgage And Finance LTD is listed in Exeter, 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 Exeter 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.