First-Time Buyer Mortgages
Support for those taking their first step onto the property ladder.
Buying your first home can feel overwhelming, with new terminology, processes, and costs to navigate. At RBM Solutions, we provide clear, straightforward advice to guide you through each stage. Some lenders offer products with lower deposit requirements or favourable terms for first-time buyers, and government-backed schemes may also be available depending on eligibility. We review your circumstances carefully and explain the associated costs, such as legal fees, surveys, and stamp duty, so that you can make informed decisions with confidence.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Home Mover Mortgages
Mortgages designed for those moving to a new home.
Relocating, upsizing, or downsizing may require a new mortgage arrangement. At RBM Solutions, we help you consider whether transferring your current mortgage is appropriate or if switching to a new product would be more beneficial. Key factors include early repayment charges, affordability, and your long-term plans. If you are moving to a more expensive property, we can also explore additional borrowing options with a wide panel of lenders. Our role is to provide clear comparisons and advice so you can choose a solution that fits your circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Self-Build Mortgages
Finance for those constructing their own home.
A self-build mortgage differs from a standard residential mortgage as funds are usually released in stages throughout the build process. At RBM Solutions, we work with specialist lenders familiar with the unique challenges of self-build projects. Whether you are purchasing land or beginning construction, we can help you explore products that align with your budget and build schedule. By reviewing each stage of the build, we provide advice on structuring finance to support your project from start to finish.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Self-Employed Mortgages
Flexible lending for business owners, freelancers, and company directors.
Mainstream lenders often require three years of accounts, which can be restrictive for self-employed applicants. At RBM Solutions, we understand that income for the self-employed may come from multiple sources, including retained profits, dividends, or contracts. We work with lenders who take a broader view of your financial circumstances. Whether you are a sole trader, limited company director, or contractor, we provide advice on mortgage options that reflect your overall income position.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Contractor Mortgages
Options tailored for contractors and freelancers.
Contractors and freelancers can find it challenging to meet the criteria of high street lenders, particularly if their income is irregular or based on day rates. At RBM Solutions, we work with lenders who consider contract values and work history, rather than just traditional salary evidence. This allows us to present suitable mortgage products designed to accommodate your working arrangements. Our role is to explain the options available and help you secure finance that reflects your situation.
Your home may be repossessed if you do not keep up repayments on your mortgage.
High Net Worth (HNW) Mortgages
Bespoke lending for individuals with complex financial arrangements.
High Net Worth and Ultra High Net Worth clients often hold assets across different structures, such as investments, businesses, and offshore accounts. These circumstances can make standard mortgage routes less suitable. At RBM Solutions, we work with private banks and specialist lenders who review overall wealth, not just income multiples. Whether you are purchasing a main residence, second home, or investment property, we provide discreet guidance and introduce lenders who may be better placed to meet your requirements.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Expat & Offshore Mortgages (Foreign Currency Mortgages)
Specialist solutions for expats and clients with foreign currency income.
Buying property in the UK as an expat or foreign national can involve additional considerations, such as currency exchange, tax implications, and lender restrictions. At RBM Solutions, we work with lenders who understand these complexities and who are open to assessing foreign currency income. Whether you are a British expat abroad or a foreign national investing in the UK, we provide advice on the available products and guide you through the process, taking into account the additional risks and requirements involved.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Changes in currency exchange rates may increase the sterling equivalent of your debt.
Single Buy-to-Let Mortgages
Mortgages for individuals investing in a rental property.
A buy-to-let mortgage allows you to purchase a property to rent out. These mortgages are usually assessed on the expected rental income, which typically needs to exceed a percentage of the mortgage repayments, and lenders often require a larger deposit than for residential mortgages. At RBM Solutions, we help you review the criteria and available products, ensuring you understand the responsibilities of being a landlord as well as the costs involved.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Limited Company Buy-to-Let
Options for landlords purchasing through a limited company structure.
More landlords are now choosing to purchase investment properties through limited companies for tax efficiency. This approach may offer certain benefits but also comes with additional responsibilities, including company administration and compliance requirements. Lenders often review the company’s financial strength and may ask for personal guarantees from directors. At RBM Solutions, we provide advice on limited company buy-to-let mortgages and help you consider whether this structure suits your objectives and risk profile.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Portfolio Landlord Mortgages
Finance options for landlords with multiple properties.
Portfolio landlord mortgages are designed for those managing several properties. Lenders typically review the performance of the entire portfolio, including rental income, loan-to-value ratios, and geographic spread, rather than focusing on one property alone. At RBM Solutions, we assist landlords in reviewing suitable products and structuring finance in a way that supports their long-term investment strategy and complies with lender requirements.
Your properties may be repossessed if you do not keep up repayments on your mortgages.
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
HMO (House in Multiple Occupation) Mortgages
Specialist mortgages for shared rental properties.
HMO properties often generate higher rental yields but also come with stricter regulations, such as licensing and safety requirements. Lenders usually apply additional criteria, which may include higher deposit thresholds or prior landlord experience. At RBM Solutions, we work with lenders who understand the HMO sector. Our role is to help you navigate the regulatory aspects and find mortgage products that align with your circumstances and investment plans.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Most buy-to-let and HMO mortgages are not regulated by the Financial Conduct Authority.
Holiday Let Mortgages
Finance for properties used as short-term holiday rentals.
Holiday let mortgages differ from standard buy-to-let products as income can be seasonal and vary throughout the year. Lenders take into account projected occupancy, location, and potential income during peak periods, and often require a larger deposit. At RBM Solutions, we provide advice on mortgage options for holiday let investments and explain the factors lenders will consider, helping you to make informed decisions about this specialist area of property finance.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Most holiday let mortgages are not regulated by the Financial Conduct Authority.
