Residential & Buy to Let
From first home to full portfolio. We find the mortgage that fits your situation, not just your salary.
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First-time buyers
The moment it all becomes real.
From first enquiry to keys in hand — we handle the whole process so the only thing you need to focus on is what you're going to do with the place.
Self-employed
Your bank said no. That's not the end.
Self-employed, contractor, or running your own company — the high street doesn't know what to do with you. We know exactly which lenders do.
Straight-talking advice
Someone who actually listens.
No scripts. No pressure. Just a conversation about your situation — and an honest answer about what's possible. Most people are surprised how straightforward it can be.
Harrogate · UK-wide
We know this patch. And every lender on the market.
Based in Harrogate since 2015. Clients across the UK. 65+ lenders checked in under 10 minutes, including ones you've never heard of.
Most brokers do the easy ones
We do the ones they gave up on.
Adverse credit. Complex income. Cases two other brokers already walked away from. If there's a way through, we'll find it — and we'll tell you honestly if there isn't.
01 / 05
100+ lenders checked in under 10 minutes
No credit checks at enquiry stage
Harrogate-based, UK-wide
What we do
Mortgages, protection, and everything in between
We cover the full range - from first-time buyers to portfolio landlords, and from straightforward remortgages to cases two other brokers have already walked away from.
Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
Protection & Insurance
Because a mortgage without proper cover is just hope. We make sure you're actually protected.
Learn moreCommercial & Development
Got a commercial project or development? We've got the lenders others don't know about.
This service is offered by a trusted third-party provider.
Learn moreSelf-Employed
Your bank isn't the only option. We know which lenders actually understand how self-employment works.
Learn moreContractors
Day rate contractor, IR35, fixed-term - we know which lenders assess contractor income properly.
Learn moreAdverse Credit
A missed payment from two years ago shouldn't cost you the home you want today. Let's look at your options.
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When someone else said no
If someone else said no - talk to us.
Self-employed. Bad credit. Contractor. Two brokers already walked away. We've heard it all. And we've found a way through most of it. Not because we're miracle workers - because we know which lenders actually want your business, even when it doesn't look straightforward on paper.
Tell us your situation
Self-employed?
We work with 30+ specialist lenders who understand retained profits, SA302s, and 1-year trading history.
Adverse credit?
There are more options than you think. The specialist lender market exists for exactly this.
First declined, then approved.
It happens here regularly. A different lender. A better way of presenting the case.
The people
Who you'll actually talk to
Real advisers. Direct contact. No call centres, no gatekeepers.
Karl Gehrke
Mortgage Adviser & Director
Karl started in financial services during the 2008 credit crunch - the worst possible time to begin, which turned out to be the best possible training. Working through a downturn meant learning which lenders would say yes when others said no. That's been his edge ever since. Complex cases, unusual income structures, situations that look tricky on paper - Karl's default setting is "let me see what I can do." The clients who've come back to him two, three, four times are the best indication of how that plays out.
Angela Bartle
Mortgage Adviser & Director
Angela spent 25 years in mortgage markets - the UK and the Middle East, primarily with HSBC. She returned to the UK in 2012, became an independent adviser, and co-founded MAN. Her clients keep coming back because she actually explains things clearly, answers the phone, and doesn't disappear after the application goes in. Twenty-five years in the market means she's seen enough to know exactly what a lender needs to hear - and how to say it.
Steve Demaine
Mortgage Adviser & Director
Steve started with the Royal Navy - two campaign medals - before moving into financial services with a global bank in 1995. Fifteen years of employed service, then MAN. The military background isn't irrelevant - it's where the discipline and "get it done" attitude came from. Self-employed, commercial, development finance, expat mortgages - Steve's covered most corners of the market and approaches each case the same way: methodically, and without giving up early.
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