logo
Call Us
0330 304 3040
General Enquiries
info@revolutionbrokers.co.uk

Thinking of Buying a Home?

We specialise in all aspects of Residential & Commercial Lending; we are your guiding partner throughout the borrowing process.

Get Started

Thinking of

We are independent Mortgage & Finance Brokers specialising in Mortgages for Business and Residential Mortgages.

Get Started

Other services we offer:

Generate your free quote

Are you looking for a solicitor but don't know where to start, are you wanting to get an idea on the legal costs for your mortgage? Then use our free quote tool to get an idea of how much it will cost!

conveyancing

Get your free credit report
(FREE for first 30 days then £14.99 per month cancel anytime)

Checkmyfile credit report gathers all information from all the credit reference agencies into one easy to read report

credit report

Revolution Finance Brokers - Your Specialist UK Mortgage Brokers & Advisors

Our team helps every client to secure the finest deals on the market, and source niche mortgages for residential, complex or commercial purchases - taking the hard work out of property investment! The ethos at Revolution Brokers is to work as your investment partner; we aren’t just mortgage advisors - we are your advocates, negotiating with lenders on your behalf to achieve the most competitive deals for your requirements.

mortgage broker

Your mortgage advisor needs to be fast, efficient, knowledgeable and experienced. Revolution Brokers brings together a collective of outstanding skill with an in-depth knowledge of the mortgage market to offer everything you need in one place, with a friendly and jargon-free approach.

Can Revolution Brokers, one of the best UK’s Mortgage Advisors & Brokers Help You Find Competitive Mortgage Offers?

We work with:

  • First-time buyers needing help to get onto the property ladder
  • Experienced investors looking to consolidate their portfolios
  • Developers needing competitive finance to generate strong ROI
  • Home-owners looking to raise funding from the equity of their home
  • Businesses needing sound investment strategies and advice
  • Self-employed buyers needing support with mortgage finance applications
  • Clients who have been turned down elsewhere and need professional support
  • Unique projects including self-builds, land purchases and modern developments
  • Specialist finance products for auction purchases with a fast turnaround

These areas are only a snapshot of the niches that our professionals work within. As part of your team, Revolution Brokers work diligently to source, negotiate and implement the most competitive mortgage options on the market.

Reasons to Use Revolution Finance Brokers As Your Expert Mortgage Advisors

Revolution Brokers are independent and stand apart from the mainstream lenders. Being autonomous means that we have complete access to every product, every offer, and every lender.

As your mortgage advisor, we work to understand your property purchases - we do not sell off the shelf products; we work out the most lucrative strategy to minimise your costs and maximise your budget.

With years of experience in mortgages for business, your dedicated mortgage advisor offers our expertise in making sound decisions and choosing the right terms for your business growth.

We take the legwork out of mortgage applications - from scouring the market, assisting with paperwork, managing the finer details of funding transfers and helping you understand the comparable pros and cons of every mortgage option.

Revolution Brokers & Advisors - Mortgages For Business

Choosing Revolution as your business finance broker means bringing a specialist mortgage advisor onto your side.

Our team works with businesses large and small to offer comprehensive and independent advice on the best business mortgage strategies.

Whether you are a property developer looking for future-proof guidance, a new investor needing support with your property purchase plans, or a company wanting to release equity from your properties or to understand how to leverage your assets to generate sustainable growth - we are here to help.

Using UK Mortgage Advisors - Where Knowledge is Power

The world of property investment is continually changing. Every lender is different, and it can be challenging to negotiate the market and feel empowered to make confident decisions.

  • Rates and terms available can alter quickly
  • Criteria and eligibility checks vary significantly from one lender to the next
  • Mainstream lenders may not offer the product you need
  • Your property might fall outside of standard terms
  • Property prices fluctuate rapidly
  • New products come onto the market regularly
  • Some niche lending vehicles are only available to specialist brokers

The fluidity of the market means that, as a residential property buyer or a commercial investor, you have access to only a fraction of the opportunities out there.

Our mortgage advisors work with a strong network of lenders - from the mainstream banks and building societies to the highly specialist sector lenders.

How a Business Finance Broker Helps Businesses To Grow?

We look for the best terms and most competitive rates, and then negotiate for you, creating tailored mortgage products, and work with you long-term to advise on:

  • When is the best time to switch lenders
  • Which products might offer a better solution
  • How quickly you can generate the lending you need
  • What strategies are best for your investments

Our clients include every type of business, such as:

  • Limited companies
  • Partnerships
  • Sole Traders
  • LLCs
  • Corporations

There is no one size fits all when it comes to mortgages for businesses - so we are here to create bespoke mortgage plans to ensure that your investments succeed.

Contact Revolution Finance Brokers Today - Fast, Expert Mortgage Advice Tailored To You

 

 

How it Works

3 Simple Steps to Getting Finance with Revolution Finance Brokers

enquire
1. Enquire

Complete our short form to quickly see if you are eligible to get a mortgage or finance.

apply
2. Apply

We will handle all the necessary paperwork and manage your entire application.

submit
3. Complete

Start enjoying the benfits of your new Mortagage or Finance

Check out our handy calculators

Our quick mortgage calculators are designed to give you an indication of how much you can borrow and allow you to consider the different mortgage options available to you.
mortgage advisor
apply now

The RFB portal;
manage your application your way.

  • Securely upload and submit your documents
  • Instant access to your personal mortgage broker
  • Track the progress of your application anytime, anywhere
  • Access on a PC, tablet or smart phone
Get Started

Revolution Brokers FAQs

Are Mortgage Brokers Worth It?

Mortgage brokers provide an invaluable service to applicants looking for a loan, whether that's a residential mortgage, as a first-time buyer, or a commercial agreement to finance an extensive development.

Revolution offers access to loans that aren't advertised on the open market and consult with every client to provide tailored, independent advice to ensure you make informed decisions about the right lending products, and the right lender, for you.

Does It Cost to Use a Mortgage Broker?

Brokerage fees depend very much on what sort of mortgage you're taking out and whether you have any specific requirements.

More complex deals requiring greater negotiation or for a larger value often command more expertise to organise.

Generally, fees range from 0.4% of the loan value and can sometimes be rolled up in the deal, so you don't need to manage separate costs.

However, the rates you'll find through Revolution are frequently more advantageous than through a bank and mean much lower monthly payments - it's a little like finding a wholesale deal as opposed to a retail price.

Free mortgage advice is usually based on a commission.

A lender pays the advisor to sell specific products, so we'd advise against accepting free advice, as it will usually cost you a lot more in the long term.

Is it Cheaper to Get a Mortgage Through a Broker?

It's a common misconception that brokers make a mortgage more expensive because you'll usually need to pay a brokerage fee, but the opposite is true in the long term!

Investing a small commission in a broker can save a tremendous amount of cost due to:

  • Access to broker-exclusive deals with better rates than anywhere on the open market.
  • Inside knowledge about niche lenders or specialist providers who can offer terms tailored to your requirements.
  • Independent advice when selecting the right lender to apply to or identifying ways to strengthen your application to achieve lower rates.
  • Professional assistance with compiling paperwork and supporting documentation.
  • Leverage with negotiations since brokers have established relationships with lenders and can often liaise to agree on better rates, more competitive terms, or get an application over the finish line that a lender may have rejected on a technicality.

Therefore, getting a mortgage through a broker is often much faster, less stressful, and cheaper since you'll save thousands of pounds (sometimes within a year or two) compared to the costs of applying directly to a mainstream bank.

Are Mortgage Brokers Better Than Banks?

If you want to use your regular bank for a mortgage, there is no reason you can't apply.

You will need to meet all the eligibility requirements and have done sufficient research to feel satisfied that your bank offers the best interest rates you're going to find.

However, a mortgage broker will often save you a significant amount of time, energy and expense by recommending specific products with niche lenders who are ideally positioned to provide the funding you need.

Revolution Brokers can also provide independent advice about a range of factors, such as insurances, alternative borrowing products and support schemes.

Why Use a Mortgage Broker Over a Bank?

As an independent broker, Revolution has access to every mortgage on the market, with an extensive range of costs, interest rates and terms.

Using a broker rather than a bank means you get independent advice about whether the offered interest rates are competitive, any small print terms (such as exit charges) and a straightforward comparison to demonstrate the costs of comparable products.

Why Use a Mortgage Company Instead of a Bank?

Banks service most of the mortgage market - but they're far from the only lender out there!

The problem with going directly to your bank is that you have limited options and can only choose from the mortgage products they sell.

In many cases, a bank might turn you down because they have rigid qualification policies.

A mortgage company, on the other hand, is a service provider acting on your behalf. We don't sell a specific product but listen to your needs and craft a mortgage strategy to meet your aims.

Can Mortgage Brokers Get You a Bigger Mortgage?

Often, yes, working with an accomplished broker means you'll be able to borrow more than if you apply directly for your home loan.

That's because we will consult with you first to understand how much you want to borrow, for what purpose, and then select lenders who offer suitable affordability metrics and eligibility criteria to enable you to apply successfully for the required value.

What Is the Difference Between a Mortgage Banker and a Mortgage Broker?

A mortgage banker is different from a broker because they usually represent one bank or institution, use their own funds, and provide underwriting services and approvals.

Mortgage brokers are different because we act as intermediaries, scouring the market for the best products, negotiating terms on your behalf, and facilitating a smooth application process.

A broker isn't directly lending you money. As a whole-of-market broker, Revolution can recommend any bank, niche lender or mortgage provider we think is the right solution for your mortgage needs.

Are Mortgage Advisors Free?

Some mortgage advisors work on lenders' commission, and therefore offer free advice.

This charging structure is best approached with caution since a commission-based advisor is paid to sell that lender's products to you, not make independent recommendations about the deal that is in your best interests.

The most reliable way to find free advice is to browse the extensive catalogue of mortgage guides available on the Revolution Brokers website.

We publish information about everything from improving your credit score to government mortgage support schemes, and all guides are openly available without any subscription or registration.

Is it Worth Using a Mortgage Advisor?

There are several compelling reasons to use a mortgage advisor - and a broker can be worth their weight in gold if you're struggling to find a mortgage or need professional support in negotiating rates to minimise your mortgage costs!

While you can search for a mortgage yourself, you have access to a tiny fraction of the market.

Many niche lenders offer broker-exclusives but don't manage applications directly.

A mortgage advisor can advise on deals that will save you thousands of pounds and be highly competitive compared to generic products on the high street.

What Does a Mortgage Advisor Need for a Mortgage?

Every mortgage is unique to the borrower, so the documents or information needed will vary.

The basic information to get started with your mortgage application includes:

  • Photo ID to verify your identity.
  • Utility bills to confirm your postal address.
  • Current bank statements and/or credit and debit card statements.

Once you proceed to a full mortgage application, there are several other details a lender will need to approve your loan - that might include trading accounts for a self-employed mortgage or rental income projections for a buy-to-let mortgage.

How Much Will a Mortgage Advisor Charge?

The exact rates you can expect to pay a mortgage advisor depend on the type of mortgage you're applying for and how much you wish to borrow.

For example, a complex commercial bridging loan to invest in a large-scale development, combined with a mortgage solution exit strategy, will require substantially more work and negotiation than a straightforward residential mortgage.

Costs also depend on the mortgage lender you choose but typically start from 0.4% and go up to 1% of your loan.

Please get in touch for a no-obligation quote to ensure you understand what charges to expect (and how much you will save in return, through professional advice and negotiation services!).

Can Mortgage Brokers Get Better Rates?

A mortgage broker can undoubtedly reduce the rates you'll pay on your mortgage, but interest rates are just one element of the cost of a mortgage - other factors include:

  • Arrangement fees
  • Product costs
  • Exit penalties

Revolution will compare product costs on a like-for-like basis (even if the fee structures are very different.

This service ensures you not only have the benefit of an experienced broker negotiating your rates directly with your lender but can also make informed choices about which mortgage offer is right for you.

What Is the Difference Between a Mortgage Advisor and Broker?

A mortgage advisor is a professional qualified to deliver advice and help you find the best mortgage.

If you work with an in-branch mortgage advisor, please be aware that they are not independent and will only advise on the products the bank offers.

Mortgage brokers perform very similar tasks, but a whole-of-market, independent broker such as Revolution will support your mortgage application at every step of the way, negotiating rates, liaising with lenders and checking your documents for completeness and compliance.

Should I Speak to Multiple Mortgage Brokers?

The best option when selecting your mortgage broker is to work with one advisor who is independent and whole-of-market.

Limited brokers can only offer products they are authorised to sell, which means it is beneficial to work with several professionals and ensure you don't miss out on a deal exclusive to one broker.

However, it's wise to approach this with care.

Although you can gain leverage by negotiating with several lenders, if you use multiple brokers at once, it can mean that you submit too many applications, receive a deluge of correspondence, and end up with credit enquiries that damage your credit score.

What is the Pass Rate for CeMAP?

CeMAP stands for Certificate in Mortgage Advice and Practice and is an industry-standard qualification you'll find throughout the mortgage advisory sector.

The three exams typically take between six months and a year to complete and are challenging, with a minimum mark of 70% to pass each module.

Mortgage brokers or advisors with a CeMAP grade of 80% or more receive a Merit, and if they achieve 90% or above, they are awarded a Distinction.

Can Mortgage Brokers Get You a Bigger Mortgage?

Often, yes, a mortgage broker can help you secure a larger mortgage value, even if another lender has turned you down.

Mortgage limits depend on a vast amount of variables, such as:

  • The calculation method that the lender applies to your annual income.
  • How they treat variable earnings such as commissions, bonuses and overtime.
  • Specific lender policies relating to minimum incomes, age limits and credit scoring.

The best way to apply successfully for a bigger mortgage is to work with a whole-of-market broker.

We can compare qualification criteria and policies of any UK lender, and therefore signpost your application to mortgage providers who will approve your required loan.

When Should You See a Mortgage Advisor?

It is advantageous to see a mortgage advisor any time you are making decisions about mortgage finance.

For example, if you're buying a new property, remortgaging, interested in refinancing onto a different loan product, or simply want to see what rates are out there, an advisor can help.

Mortgage advisors will save you a considerable amount of time and effort researching the mortgages on the market and usually ensure you get a more competitive deal.

What Will a Mortgage Advisor Ask Me?

Revolution always advises clients to be wary of working with a mortgage advisor who doesn't ask about your circumstances before making recommendations.

It is essential to understand your requirements, situation, affordability and current borrowing to ensure the advice given is tailored and specific to your needs.

Our team will ask about your income and expenses, your home or the property you wish to buy, your income source, credit history and overall aspirations for the mortgage application process.

We are proud members of the:
NACFB

Refer, Relax and get £50

If you refer a friend for a mortgage or any type of finance you’ll both receive £25 each when their new application successfully completes.

Do you have a question?

Call us on 0330 304 3040 or
Contact via our online form.