Your next home, arranged properly.
Whole-of-market mortgage advice, wherever you are in the UK. We compare 90+ lenders, handle the whole application, and tell you the truth about what you can afford, not just what we can sell.
140+ Google reviews
Your monthly payment
Illustrative£1,571
Repayment · 25 years · 4.49% fixed
Agreement in principle
Usually within 24 hours
90+
Lenders
£48M+
Arranged
4.9★
Google rating
5 days
Open Mon–Fri
What we do
Mortgages for every chapter of life.
From your first set of keys to your fifth rental property, we match you to the right lender from 90+ providers across the whole market.
First-time buyer
Step-by-step guidance, deposit planning and access to lenders who specialise in getting you onto the ladder.
Home mover
Port your existing deal or secure a better one as you move. We handle timing, paperwork and lender liaison.
Remortgage
Switch rate, raise capital or consolidate. We start six months before your fix ends so you never roll onto SVR.
Buy-to-let
Limited company or personal name, portfolio or single property. Specialist lenders and structured advice.
Self-employed
One year of accounts? Day-rate contractor? We know the lenders who will read your books fairly.
Protection
Life cover, critical illness and income protection. The right policies to keep your home if life changes.
The I.I process
Four steps. No surprises.
Step 01
Free consultation
A 30-minute call to understand your goals, income and timeline. No fee, no pressure, no commitment.
Step 02
Whole market search
We compare deals across 90+ lenders, from the high street to specialist broker-only deals.
Step 03
Application managed
We package your application, manage the underwriter and keep you updated at every stage of the decision.
Step 04
Completion & beyond
Offer issued, solicitors chased, keys collected. We diarise your rate-end date and call before it ends.
Why I.I Financial
Advice you can actually trust.
We started I.I Financial Services to give every client the same care, whether it's a first flat or a £1.5m portfolio. No bias, no upsell, no surprises at completion.
Appointed Representative of BrokerSync Ltd
FCA Reference 926528
Whole of market, genuinely
We work with 90+ lenders, not a panel of five. The right deal for you, not the easy deal for us.
Advice wherever you are
Phone, video call and secure document upload. We help clients right across the UK, not just on our doorstep.
Fees agreed in writing, first
Your first consultation is free. If a fee applies, it depends on your circumstances and is agreed with you before we apply anywhere. No surprises, ever.
We stay in touch
We diarise your rate-end date and call six months before it ends, so you never quietly slip onto a standard variable rate.
Meet the team
Qualified, regulated, easy to talk to.
Imran Bhatti
Mortgage Adviser
CeMAP qualified
Maryam Butt
Mortgage Adviser
CeMAP qualified
Tocoya Perkins
Clients Account Manager
Client care team
Zulfiqar Hussain
Client Accounts Manager
Client care team
What clients say
Rated 4.9★ on Google.
142 Google reviews
"As a first-time buyer, I had a lot of questions and uncertainties, but Imran patiently explained every step, making the process clear and stress-free… Thanks to his guidance, I was able to secure a mortgage that perfectly suited my needs."
Sana Hamida
Google review · First-time buyer
"Imran took the time to understand my circumstances and provided clear, thoughtful advice rather than simply pursuing the maximum available borrowing… Communication was clear, turnaround times were excellent, and everything felt well managed and organised."
Louise Anderson
Google review · Remortgage
"I had a complex mortgage situation and wasn’t sure where to start… His expertise, attention to detail, and clear guidance helped me secure a mortgage loan that truly fit my needs. He was professional, responsive, and went above and beyond at every turn."
Oluwasegun Abass
Google review · Complex case
Frequently asked
Answers before you call.
Your first consultation is always free. There may be a fee for mortgage advice. The precise amount depends on your circumstances and is agreed with you following your initial meeting, before any application is made. We also receive a procuration fee from the lender, which we disclose in full.
As a rule of thumb, 4 to 4.5 times your household income, though lenders differ widely on overtime, bonuses and self-employed income. Our borrowing calculator gives you an estimate in seconds, and we refine it properly on a call.
Usually, yes. Several lenders on our panel specialise in past defaults, CCJs or thin credit files. We'll review your report together, tell you what's realistic now, and if waiting would get you a better rate, we'll say so and give you a plan.
We aren't tied to any bank. We compare deals from over 90 lenders, including high street names, building societies and specialists, and recommend whichever genuinely suits your circumstances. A bank's adviser can only ever sell you that bank's products.
An agreement in principle usually takes 24 hours. A full mortgage offer typically lands in 2–4 weeks depending on the lender and valuation. We chase every stage, and you get an update whenever something moves, not just when you ask.
Not at all. Everything can be done by phone, video call and secure document upload, wherever you are in the UK. If you'd rather talk things through across a table, you're always welcome at our office.
Can't find your question? Call 020 3488 5441. A person answers, not a menu.
Ready to find your next front door?
Book a free 30-minute call with a qualified adviser. No obligation, no hard sell, just honest numbers.