Mortgages & Protection

Your home may be repossessed if you do not keep up repayments on your mortgage. Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits. The Financial Conduct Authority do not regulate Buy-to-Let Mortgages.

Old Bray Financial are a professional, whole of market mortgage broker, and can provide advice on the full range of products available for house purchase and remortgaging, including high value loans, Guarantor, Buy-to-Let, Let-to-Buy, Limited Companies and Bridge Loans (these are available by referral only). We limit the number of mortgages that we broker each month, in order to keep our standards consistently high.

Although we broker all kinds of mortgages, we specialise in helping company directors, contractors and self-employed people to secure loans, as this is an area that your bank will typically struggle with.

What should you expect to pay?

For new clients, we charge an initial engagement fee of £250

For existing clients, we charge no engagement fee, i.e. £0

We also charge a small loan fee of £499, on application, but only if the value of the loan/(s) are less than or equal to £300,000. However, if we are doing more than one mortgage for a client, i.e. a Let-to-Buy scenario, and the cumulative value is greater than £300k, then we do not charge the small loan fee.

Before meeting with a prospective mortgage client we will qualify all mortgages over the phone.

For a small engagement fee, we will take the hassle out of applying for a mortgage or re-mortgage. This includes providing you with the most suitable options, advice, and implementation, saving your precious time and money: so why go directly to your bank?

For more information, please get in touch.


Taking out suitable insurance is arguably one of the most important financial decisions you will make in your life. We can help you understand the level of protection you will need to protect your assets...


Whether you are looking at buying-to-let, where you are borrowing to invest in a rental property, or letting-to-Buy, if you want to turn your current home into a house that generates income, the Buy-to-let mortgage market is a specialised one...

Residential Mortgages & Remortgages

Whether you are a first time buyer, potentially moving back to the UK to purchase your first home, or are looking to buy a bigger home, a mortgage will normally be required...

Limited Company Property Portfolios

Limited companies can be used to purchase buy-to-let (BTL) properties – rental funds can then be drawn from the company through salary, expenses and benefits, dividends, or directors loans...

Equity Release

Releasing equity from our homes can be a valid and very useful financial tool and one that should not to be shunned simply because of historical negative press...

Commercial Mortgages

A commercial mortgage is a loan from a bank, building society or other specialist funding institute. This is available by referral to a master broker only...

Contractor & Director Mortgages

If you are looking to buy a house you are likely to need a mortgage. Getting a suitable mortgage is a key part of a financial plan.

Self-employed Mortgages

If you are self-employed, e.g., as the owner or director of a limited company, at some stage you are likely to need help...

Contact us to discuss your financial future

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