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Pardeep Kumar Mortgages & Insurance Services can find you the most suitable mortgages deals by accessing the whole of the market, whether you are an employee, self-employed (sole trader or limited company director), CIS worker, contractor or sub-contractor. We can also find specialist mortgages for complex cases, such as adverse credit history (credit impaired), CCJ, defaults, missed payments, IVA, debt consolidation and bankruptcy. We can arrange interest only mortgages, repayment mortgages (capital and interest) and part interest mortgages, to suit your budget.

Your mortgages is probably the largest financial commitment you will ever undertake. Our goal is to make complicated mortgages transactions as simple as possible for individuals and businesses alike. We do this by providing independent, bespoke advice, based on your personal circumstances. We are not tied to any particular lender, so we can search the whole market on your behalf, to determine the most appropriate mortgages for you. We can provide mortgages with low interest rates, low (or even no) product fees, cash back offers and free legal and valuation services.

How can we help you?

You can depend on us to advise you in your best interests, without pressure.

Mortgage services we offer

We provide mortgage services to first time buyers (including right to buy, help to buy and shared ownership), current homeowners, first time or current landlords (standard BTL, HMO, SPV) and remortgages to both homeowners and landlords. We can also offer Islamic loans, bridging loans, development finance, second charge mortgages, auction finance, self-build finance, semi-commercial mortgages, and commercial mortgages.

First time buyer

Buying a home for the first time can be a daunting project. There are so many factors to think about, and that is before you have even considered the many mortgages’ products, rates, and lenders to choose from. We think it is key for every applicant to understand exactly what is happening throughout the whole process

Getting on the property ladder is difficult, but we can help first time buyers get the best mortgages available from the wider mortgages market and secure their first property. We can help you work out how much you have got to spend, how much deposit you need and what your monthly repayments will be. Sometimes the lowest rates do not mean the best mortgage. We base our search on the total cost (interest rate, arrangement fee, cash back and valuation fee) to find the best mortgages for you, and we ensure that you qualify for any deal before we submit your application.

“Your home may be repossessed if you do not keep up with repayments.”

We can give you advice tailored to your needs for standard BTL, HMO and Limited Company BTL (SPV),

The Buy to Let market has seen substantial changes in recent years and, as a result, a ‘one size fits all’ policy does not work for many landlords and investors. Tougher industry standard stress tests, changes in stamp duty and taxation, and increased rental coverage often led to landlords falling short of the amount they need when looking to purchase new properties or even remortgages those in their existing portfolio

With the changes to mortgage interest relief and the loss of ‘wear and tear’ allowance, landlords are advised to seek advice from a tax specialist and consider using a Limited Company, known as a Special Purpose Vehicle or SPV.

By undertaking an independent assessment of the market, we can provide a bespoke solution to suit the needs of individuals and companies alike. Whether you are starting out with your first buy to let property or expanding your existing portfolio, we can help you get the best deal on your standard/SPV/HMO Buy to Let mortgage.

Some Buy to Let mortgages are not regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up with repayments.

Re-mortgaging is switching your mortgage to another deal with a different lender, without moving property. Some people switch mortgages because it will work out cheaper for them. For example, the introductory discounted or fixed interest rate may have finished with your current lender, and you might get a better deal elsewhere. Other people re-mortgage to raise sufficient capital for a specific purpose (including debt consolidation and home improvements).

We do our utmost to ensure that our clients benefit from the most suitable products available on the market, tailored to their specific needs.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Moving home is considered one of the most stressful life events. Leaving your current lender or selling your property may incur Early Repayment Charges or Penalty (ERC). By seeking independent mortgage advice, you can budget for your future purchase.

It is important to understand the full costs of moving, as well as obtaining a suitable mortgage at a competitive price. We aim to be easily accessible to all our clients throughout the whole process and to keep them fully informed on the progress of their application, whether for a new mortgage or for porting their mortgage and additional borrowing.

Second charge loans can be secured against residential or Buy to Let properties.

They are provided by specialist lenders and are generally short-term loans secured against the property where the lender has a second call on the property if the borrower defaults on payments. We will endeavour to find the most suitable deal for you.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

A bridging loan is taken out to ‘bridge’ the gap between the purchase of a new property and the sale of an existing one. It can also be used to purchase a property in need of renovation to a standard that is acceptable to a mainstream lender, who will then repay the bridging loan. Bridging loans are generally short term and almost always taken out on an ‘interest only’ basis. While you can make repayments monthly, the lenders are happy for the borrower to make no repayments for the duration of the loan and repay it all at the end of the term.

Some bridging loans are not regulated by the Financial Conduct Authority. Your home or property may be repossessed if you do not keep up with mortgage repayments.

Development finance is used to build a new property or convert an existing one. It covers residential houses, shops, offices and industrial buildings, and can be used for investment purposes or owner-occupied properties. It can be taken out by a first time or experienced developer or builder. The maximum you can borrow to purchase the site is anywhere between 50 to 65% of the purchase price, depending on the project.

It is also possible to borrow up to 100% of the build cost if it is within 60 to 70% of gross development value (GDV). The maximum borrowing term is 12 to 36 months. The exit strategy is usually the sale of the property or switching to a mainstream mortgage’s product.

When purchasing a property at auction, you often have to complete the sale within 28 to 56 days. On the fall of the auctioneer’s gavel, you are exchanging contracts which are legally binding. You are also required to put down a non-refundable deposit immediately. If buyers are unable to complete the purchase there can be steep penalties, legal action and the risk of compensating out-of-pocket sellers. As time is critical, auction finance can be an ideal way to secure the purchase until a more permanent form of finances such as a mortgage can be arranged.

There are two types of commercial mortgages:

Semi commercial

These are for shops with residential flats above.

Full commercial

These cover offices, warehouses, pubs, factories, land, certain buy to lets, guest houses, farms, care homes, schools, football and other sports clubs, hotels.

As with any other financial product, commercial mortgages depend on the lender’s belief that the loan will be repaid without difficulties. They can be split in the following ways:

Owner occupied

The accounts for the business will be scrutinised by the lender to ensure the borrower will not struggle to make the monthly repayments.


The monthly payments on the mortgage will generally be covered by the rental payments received from the tenant. The lender will carefully review the comments made by the valuing surveyor so that they are satisfied that the expected rent plus buffer will easily cover the monthly mortgage payments, that the property is in a sought after location for prospective tenants and that the condition of the property will allow immediate occupancy, should the property not already be let.

Commercial Property Loans can additionally be used for business expansion or improvements to a property, or even to help with relocating the business.

You can often borrow up to 70% of the property value, sometimes more where the potential rental yields are high.

If you require the best commercial or semi-commercial mortgage rates and advice, we will be happy to assist you.

“Your home may be repossessed if you do not keep up with repayments.”

    Your home may be repossessed if you do not keep up repayments on your mortgage
    Mr. Pardeep Kumar is a Mortgage & Protection Adviser with Match Mortgages Limited.
    Registered office: Beechwood Cottage, Beechwood Lane, Wendover, Buckinghamshire, England, HP22 5QL.
    Registered in England and Wales under number 14279332.
    Match Mortgages Limited is regulated and authorised by the Financial Conduct Authority under number 983246 in respect of mortgage, insurance and consumer credit mediation activities only. The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based within the UK.