New Wave Financial Services
Basildon
Mortgage advice covering self-employed, buy-to-let. New Wave Financial Services has not recorded a fee structure.
Main contact
About New Wave Financial Services
New Wave Financial Services is a UK mortgage broker based in Basildon. Its website describes mortgage advice for 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.
New Wave Financial Services works across self-employed and buy-to-let from Basildon — 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 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 New Wave Financial Services
Tailored to this listing.
- 1You list self-employed and buy-to-let — how many cases like mine do you place in a year, and which lenders do you use for them?
- 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?
- 5Do you see clients at your Basildon office, or is this handled by phone and video?
Getting in touch with New Wave Financial Services
New Wave Financial Services 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 New Wave Financial Services charge for mortgage advice?
Not recorded on this listing — ask New Wave Financial Services 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 New Wave Financial Services handle?
New Wave Financial Services records self-employed and buy-to-let, working from Basildon. Ask anyway if your case sits outside that list.
Does New Wave Financial Services work with self-employed borrowers?
Yes — self-employed lending is one of the areas New Wave Financial Services 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 New Wave Financial Services only cover Basildon?
New Wave Financial Services is listed in Basildon, but UK brokers are not restricted to their own area and most advise nationally by phone or video.
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