Abridge Finance
Based in the City of London, we are a dedicated mortgage & protection advisory firm with a track record of helping clients across the country, from first time buyers, high-net-worth individuals (HNW) and overseas buyers to those seeking commercial finance, bridging loans, and more.
We pride ourselves on delivering a high level of service, ensuring fast response times and expert guidance throughout the mortgage process. Our reputation is built on trust, efficiency, and exceptional client satisfaction, reflected in our outstanding reviews.
Whole of market access
We have access to a vast network of lenders:
Mainstream mortgage lenders
Private banks
Challenger banks
Alternative lenders and platforms
Bridging finance lenders
Overseas lenders
Our strong relationships with these lenders give us the ability to secure mortgage approvals that might not typically fit a lender’s standard policy. This means:
Faster approvals – We can expedite cases quicker than most.
Exclusive rates – Our partnerships allow us to offer preferential mortgage rates.
How We Work With You
Understanding Your Needs – We start with a detailed consultation to understand your financial goals and requirements.
Tailored Solutions – Leveraging our market access, we find the best lenders and products suited to you.
Seamless Process – We handle the entire mortgage journey, from application to completion, ensuring a smooth and stress-free experience.
Ongoing Support – Our service doesn’t stop at mortgage completion; we’re here to support your long-term financial journey.
Mortgage FAQs
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Expert Advice: Brokers have in-depth knowledge of the market and can recommend the best products based on your specific circumstances.
Access to More Options: we often have access to exclusive deals not available directly to the public.
Time-Saving: Brokers handle much of the research and paperwork for you.
Tailored Support: They can guide you through complex situations, such as self-employment or poor credit.
Ongoing Support: Many brokers offer ongoing advice and help with remortgaging when your current deal ends.
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This is a document from a lender indicating how much they might be willing to lend you based on your income, expenses, and credit history. While not a mortgage guarantee, it provides your borrowing potential. The majority of estate agents and developers also require this when you offer on a property, so it is best to complete one as early as possible
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Our standard charge is £499 which is payable prior to submitting the full mortgage application. We can charge up to 1% of the loam amount for specialist cases
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We do not charge any fee until you find a property and are ready to submit a full application, which means you will receive free advice & assistance until that point
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Income: Lenders typically offer 4.4 to 6 times your annual income, but this may vary based on your financial situation.
Expenses: Lenders assess your outgoings, including bills, loans, and other debts.
Credit history: A strong credit score can increase borrowing potential.
Deposit size: A larger deposit can improve the amount you’re eligible to borrow.
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For residential purchases, the deposit amount typically depends on the type of mortgage and your profile as a buyer. Most lenders require at least 5% of the property’s purchase price, but a larger deposit (10-25%) can help you access better interest rates. For buy-to-let & commercial properties, lenders often require a larger deposit, typically around 20-40%
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Valuation fees: Costs for the lender to value the property (can range from £150 to £1,500).
Legal fees: Solicitor or conveyancer fees for handling the legal aspects (usually £500 to £1,500).
Stamp Duty: A tax on property purchases (varies based on property value and whether you’re a first-time buyer or purchasing a second property).
Survey costs: Additional property inspections, like a homebuyer’s survey or structural survey, typically cost £250 to £1,000.