Specialist Mortgages – PIA Mortgage Solutions

Buy to Let

Buy to Let

We have access to whole of market for those looking to buy a property that can be rented out. We can talk you through the many benefits of becoming a buy to let investor, whilst still availing you of the disadvantages, so that you have plenty of practical advice to help you become a landlord. We also advise on the more experienced portfolio landlords and Limited Company with a large portfolio of rental properties.

Ex-Pat Mortgages

Ex-Pat Mortgages

An ex-pat mortgage is a mortgage product for a British citizen who is currently living and often working outside the UK. It can be difficult getting a mortgage if you are not resident in the UK and especially if you receive your salary in a foreign currency.

As an expat you would only be able to obtain a UK mortgage so, for example if you were living abroad and wanted to purchase a property in the UK to rent out you would need to take out a specific expat mortgage.

Historically, it has been extremely challenging for expats to arrange mortgages, but over the last couple of years, the market has been changing and these types of loans have become more widely available.

Here at PIA, we understand your needs and can help you find a mortgage that is right for you. Our highly experienced advisers will be able to select a lender based upon their service levels, interest rates and overall suitability. Our technology allows us to process the whole mortgage without the need for you to return to the UK, making life easier for you.

Holiday Homes

Holiday Homes

There are two types of Holiday Home Mortgages, the first being a mortgage used to purchase a property which is for your own use. The second is a mortgage which is used to purchase a property which is then rented out to Holiday makers.

Buying a holiday let is an investment so we can advise on the process, rental income required and other considerations that need to be take into account.

Many people also enjoy the benefits of both, so purchasing a Holiday Home which they rent out for part of the year and then take their own holidays there for the other part of the year.

PIA are able to advise and arrange both these types of mortgages and help you choose the right lender.

Self-Build Mortgages

Self-Build Mortgages

A self-build mortgage is a loan you take out to fund a property you are building/designing yourself. The main difference from a standard residential mortgage is that you receive the funds in stages, as the build progress’s, with the final stage being paid upon completion.

Building your own home could potentially save you thousands, particularly if you already own land and have planning permission. Building work is exempt from stamp duty, as is the value of the finished house. That means you will only have to pay duty on the value of the land itself if it exceeds £125,000, which is likely to be far lower than the value of the completed property.

Only a limited number of lenders offer self-build mortgages. The qualifying requirements will often differ between lenders, but most will specify whether the completed house can be used for residential or commercial purposes. It is possible for first-time buyers/first time builders to get a self-build mortgage too. Having a larger deposit of between 25- 40 per cent, a good credit history and proof of reliable income will be crucial. Lenders are more cautious when it comes to self-build projects, so getting our expert advice and guidance is crucial for this type of project.

Second Charge

Second Charge

It may be that you are looking to raise capital from an existing mortgage without affecting your current mortgage arrangement. They can be used to fund extensions or home improvements (many schemes, for instance, have no early repayment charges), thus giving customers the chance to repay the charge at an early date. We would compare costs with a remortgage and advise you as to the better option.

Commercial Mortgages

Commercial Mortgages

Debbie Blower is one of our Specialist Advisers in this area, having over 30 years’ experience in this field.

Debbie can advise Limited Companies, Sole Traders and Partnerships on the best available rates and exclusive products. Commercial Mortgages are very different to Residential as the terms have to be negotiated with the lender individually.

We have connections with both main stream Banks and Building Societies together with smaller specialist lenders which are sometimes more flexible.

Debbie is able to negotiate bespoke terms and arrange complex deals with these providers to help you obtain the finance you need.

All Members

HR & Accounts

Sales & Marketing

IT Support

Gemma Harris

Mortgage Adviser

Debbie Blower

Mortgage Adviser

Tracey Garvey

Mortgage Adviser

What Our Clients Say

Chris Pyatt

A friend of mine recommended PIA mortgage solutions to me. I had an amazing lady called Tracey Garvey dealing with my purchase. She was on point with everything and so so helpful – I couldn’t have asked for anyone better to have helped me through my journey. Thank you again!

Jonathan Hood

We would highly recommend PIA and, in particular, Debbie Blower. Being expats, our circumstances can be challenging at times. However, with Debbie’s extensive knowledge of the market, we were able to secure a mortgage.

Ken Byatt

It has been a pleasure to deal with Gemma in what has been a very difficult time. Despite a nationwide lockdown, she have done everything that I have asked. She have done it with a truly professional and friendly approach. If it had not been for her support, I think there would have been problems along the way in dealing with the mortgage department of a large building society. As it is, I have always had her in the background to either answer my queries or make enquiries on my behalf. Thank you for making my journey through the mortgage application process as smooth as she could.

Jo Marks & Liz Vickery

Can’t recommended Tracey enough, went above and beyond to help us out with our mortgage and insurances and was constantly checking in to see if we needed anything. Professional, Efficient and readily available. She talked us through every step of the process and listened to our individual circumstance. Thank you so much! We couldn’t of done it without you!

Dr. J. L. Hill and Mrs. I. S. Hill

My wife and I have been clients of PIA for a decade and the impact on our life of their expertise, services and advice cannot be understated. I regularly recommend Liz Monk, who has been personally outstanding in our case, in addition to the whole PIA team, to friends, family and colleagues. PIA successfully secured an extremely competitive mortgage for us many years ago, shortly after we had set up our first business, at a time when many lenders were simply not interested. Liz was extremely considerate and pragmatic and provided a great wealth of expertise in navigating the application process with specific expertise in the unique needs of the self-employed. Since then as our businesses have developed Liz and PIA have become trusted partners and have provided seamless re-mortgages, insurance and family protection services. More recently they have successfully secured mortgage services for a complex refurbishment project we have undertaken, again under challenging circumstances. Whatever your requirements and personal or business circumstances, PIA have the expertise, reputation and track-record to provide the financial support you’ll need. Both my wife and I wholeheartedly recommend both Liz Monk and PIA not only as one-off brokers, but as a long term financial services and wealth management partners.

Mohammed & Recky Khan

We can’t thank PIA Enough for the service received in arranging the perfect mortgage for us. Liz and Tracey did all the research to provide us with the best rates on the market with minimal arrangements and survey fees which can make cash flow difficult, The personal service takes their professionalism a long way. They made my transaction effortless with regular contact with the selling agent and keeping my lawyers updated regularly. We are now talking to Liz & Tracey in building our rental portfolio. Thanks to All at PIA !