★★★★★ Rated 4.8 / 5 by our clients
Finance shouldn’t feel like a closed door.
When the bank says no, FINTARHET finds another way. Clear. Honest. Human.
Start For Free9 out of 10 cases we review still have options.
When the bank says no, FINTARHET finds another way. Clear. Honest. Human.
Start For Free9 out of 10 cases we review still have options.We work with a wide panel of high street and specialist lenders
Three steps from “no” to the keys in your hand.
We talk through the home or property you want and any hurdles you’ve met so far — no judgement, no jargon.
We review your income, credit and goals, then search the whole market, including lenders you can’t reach on your own.
We package your case, handle the paperwork and keep you updated until your offer is secured.
We’re here to support your journey to becoming a homeowner or property investor. Whether you have a patchy credit file or simply feel overwhelmed by the process, we offer independent advice, practical information and tools to make you a stronger applicant.
As whole-of-market brokers, we can reach mortgage deals that are not readily available on the high street. A decline is rarely the end of the story — it’s usually a sign you need a lender who understands your situation.
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Pick the route that matches your situation.
Need to bridge a gap fast? We source short-term funding for purchases, chains, auctions and refurbishments.
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Defaults, CCJs, IVAs or missed payments? We match you with lenders who look at the whole picture.
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First-time landlord, portfolio builder or holiday let owner — we make buy-to-let finance simpler.
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Consolidate debt, fund improvements, release equity or buy another property with a smarter remortgage.
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Sole trader, partner or director with one year of accounts? We know which lenders say yes.
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Semi-commercial mortgages, business loans, development and auction finance.
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Borrow against your home without disturbing your existing mortgage deal.
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Life cover, critical illness, income protection and buildings & contents — even after a decline.
Take Me There →When you feel you’ve hit a brick wall and all but given up on finding finance, FINTARHET is here to turn your “No” into a “Yes”. We have access to specialist lenders willing to help people the high street won’t touch. Get in touch and see how we can turn your plans into reality.
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The market hasn’t collapsed, but it has changed. Here’s what landlords should weigh up now.
FINTARHET Team · Blog
When a deal is moving, timing can be worth more than a lower headline rate.
FINTARHET Team · Blog
Small steps with your credit file and paperwork that lenders genuinely notice.
FINTARHET Team · Blog
How lenders assess one year of accounts, retained profits and falling income.
FINTARHET Team · BlogA quick estimate — a broker will confirm real options for you.
Yes, often. A mortgage is a loan secured on your property, so lenders look at risk. Missed payments, defaults, CCJs or IVAs make some lenders cautious, but specialist lenders assess your full circumstances and may still offer a suitable deal.
An adviser knows the whole market, not just one bank’s range. They match your circumstances to the right lender, prepare your application and guide you until completion — saving time and avoiding unnecessary credit searches.
Not blindly. Every application leaves a search on your file, and repeated declines can hurt your score. Speak to a broker first so your next application goes to a lender likely to say yes.
It depends on the property price, your deposit, your income and your outgoings. Lenders often use around 4–5 times income, but each has its own affordability rules. Our calculator gives an estimate; an adviser gives a real answer.
Historically yes, but not always. With the right broker, some clients secure terms close to high street rates. Pricing depends on how recent and severe the issues are and the size of your deposit.
No. Lenders use the information on your credit file to judge risk, but there is no secret blacklist. A past problem does not automatically close every door.
Typically 5–10% for standard cases. With adverse credit, lenders may ask for 10–25% or more depending on the issue and how long ago it happened. An adviser can give you a realistic figure.
We take on complex cases others turn away, give honest advice first time and keep you informed throughout. Our team is built around people, not paperwork.