Polski Mortgage Broker - Kredyty Hipoteczne w UK, Kupno Domu w UK
Reading
Mortgage advice covering help to buy, buy-to-let, first-time buyers and 1 more. Polski Mortgage Broker has not recorded a fee structure.
Main contact
About Polski Mortgage Broker
Polski Mortgage Broker - Kredyty Hipoteczne w UK, Kupno Domu w UK is a UK mortgage broker based in Reading. Its website describes mortgage advice for residential mortgages, buy-to-let, first-time buyers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Polski Mortgage Broker records 4 areas of advice from its base in Reading: help to buy, buy-to-let, first-time buyers and residential.
Help to Buy alongside residential remortgaging fits people trying to clear an equity loan when their initial deal ends.
Help to Buy
Help to Buy cases now mostly mean people who already hold an equity loan and need to remortgage, staircase out of it, or sell. The equity loan has to be repaid at the property's current value, not what you borrowed.
Read the help to buy 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. The firm covers first purchases too, so first-time landlords should not be turned away for having no rental history.
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. Help to Buy is listed too, which matters if you are buying from someone still holding an equity loan.
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. This firm keeps landlord lending separate, so be clear which of the two you need when you call.
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 Polski Mortgage Broker
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?
- 3What are my options for the equity loan — repay it, remortgage around it, or leave it in place — and what does each cost?
- 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?
- 5What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 6Based on my income and commitments, what is the realistic maximum here, and when should I be starting the next remortgage?
- 7Do you see clients at your Reading office, or is this handled by phone and video?
Getting in touch with Polski Mortgage Broker
Polski Mortgage Broker 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 Polski Mortgage Broker charge for mortgage advice?
Not recorded on this listing — ask Polski Mortgage Broker 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 Polski Mortgage Broker handle?
Polski Mortgage Broker - Kredyty Hipoteczne w UK, Kupno Domu w UK records help to buy, buy-to-let, first-time buyers and residential, working from Reading. Ask anyway if your case sits outside that list.
Can Polski Mortgage Broker help with a Help to Buy equity loan?
Polski Mortgage Broker lists Help to Buy as an area it covers. Most cases now involve getting out of an existing equity loan: it is repaid as a percentage of the property's current value, so if the property has risen you owe more than you borrowed. You will need a RICS valuation before the numbers can be firmed up.
Does Polski Mortgage Broker only cover Reading?
Polski Mortgage Broker - Kredyty Hipoteczne w UK, Kupno Domu w UK is listed in Reading, 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 Reading 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.