Wells Financial
Tunbridge Wells
Mortgage advice covering buy-to-let, residential. Wells Financial has not recorded a fee structure.
Main contact
About Wells Financial
Wells Financial is a UK mortgage broker based in Tunbridge Wells. Its website describes mortgage advice for residential mortgages, buy-to-let. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Wells Financial works across buy-to-let and residential from Tunbridge Wells — a focused listing led by buy-to-let work.
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.
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. 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
Verify before you share anything.
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 Wells Financial
Tailored to this listing.
- 1You list buy-to-let and residential — 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 does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 4Based on my income and commitments, what is the realistic maximum here, and when should I be starting the next remortgage?
- 5Do you see clients at your Tunbridge Wells office, or is this handled by phone and video?
Getting in touch with Wells Financial
Wells Financial 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 Wells Financial charge for mortgage advice?
Not recorded on this listing — ask Wells Financial 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 Wells Financial handle?
Wells Financial records buy-to-let and residential, working from Tunbridge Wells. Ask anyway if your case sits outside that list.
Does Wells Financial arrange buy-to-let mortgages?
Yes — buy-to-let is one of the areas Wells Financial lists. How much you can borrow is set mainly by the rent the property will achieve against a lender's stress rate, not by your income. Ask about limited-company lending too, since the tax treatment differs and the rates usually do as well.
Does Wells Financial only cover Tunbridge Wells?
Wells Financial is listed in Tunbridge Wells, but UK brokers are not restricted to their own area and most advise nationally by phone or video.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.