Whether you are looking to buy a new property, save money on your existing loan products or searching for alternatives that better suit your needs, we are here to help. As a brokerage we operate across the market and have more than 80 years combined experience in arranging financial solutions for our clients.
We will always look to recommend products which meet your individual circumstances (we will never suggest a financial product or solution that doesn't suit your personal circumstances) and strive to deliver outstanding customer service. Our experience allows us to assess your needs and research the market to match the best financial solution for your budget and obtain the most suitable product choice for your circumstances.
We will always look to recommend products which meet your individual circumstances (we will never suggest a financial product or solution that doesn't suit your personal circumstances) and strive to deliver outstanding customer service. Our experience allows us to assess your needs and research the market to match the best financial solution for your budget and obtain the most suitable product choice for your circumstances.
Services
Whilst Innovate Mortgage and Loans is a new name in the finance market place, Innovation Financial Management Ltd has been trading since 2002 and our team has over 90 years' experience in the world of mortgages and loans. We have helped 1,000's of customers and know more than is healthy about mortgages and loans industry.
The mortgage market has become increasingly automated in recent years, and alongside recent changes to regulation this has resulted in a "computer says no" position, leading to disappointment for many otherwise low risk borrowers. Lenders interpretations of regulations can differ hugely but it is still possible to obtain a positive answer for most borrowers when buying a new home or looking to re-mortgage.
The self-employed mortgage market is potentially the most complex of all areas we deal with when arranging mortgage finance. Number of years trading - some lenders will consider an application with just a single year of accounts. Income used for Limited Company Shareholders - whilst most lenders allow salary plus dividends, a few consider salary plus share of net profit.
Anyone who is employed in certain specific sectors, such as a doctor, dentist, solicitor, barrister, accountant or vet, may be eligible for a Professional Mortgage. These types of loans are only offered by a small number of bank/building societies, but they can help people employed in these professions to obtain better terms than might normally be envisaged, for example a better interest rate or perhaps more borrowing.
If you have been turned down by your bank or building society due to previous credit problems, don't despair, all is not lost! The mortgage market has grown in recent years to help more and more people and not just those with a clean credit file. Interest rates are inevitably higher but still within range for most people.
Reviews (10)
Sean Coulson
Dec 29, 2021
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Positive: Professionalism, Responsiveness
Innovate came recommended to me and from the very first contact I knew that it was going to be seamless. Tony contacted me when he said he would every time and in my opinion found us the very best product that suited our needs. A pleasure to deal with and huge help to us.
Innovate came recommended to me and from the very first contact I knew that it was going to be seamless. Tony contacted me when he said he would every time and in my opinion found us the very best product that suited our needs. A pleasure to deal with and huge help to us.
Craig Hall
Dec 10, 2021
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Rui Chen
Nov 25, 2021
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Rebecca C.
Nov 23, 2021
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Hannah Dean
Nov 06, 2021
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Tony has been brilliant from start to finish. He is very knowledgeable, replies to all emails promptly and is happy to answer any question no matter how small. He found us a great mortgage to suit our needs, after listening to what was important to us. I would highly recommend to friends and family, and will certainly use Innovate again in the future.
Saj Ryder
Nov 02, 2021
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Jen Woodcock
Oct 07, 2021
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Lucy Curtis-Holloway
Oct 07, 2021
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From the initial conversation with Tony I felt confident that he would find the best mortgage options for us. We were presented with several affordable options and were able to choose which was right for our circumstances. I am really happy with the mortgage we have now been offered and the interest rate was much better than offered following our own enquiry. I would recommend Tony to anybody looking to find a good deal. Thank you
Pam Peterson
Sep 28, 2021
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Justin Lockwood
May 21, 2021
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I cannot recommend Tony and Innovate more highly.
Using them as a mortgage broker was the best decision we could make.
We were not the most "straight forward" of client for them but Tony's patience, expert guidance and honesty meant we were able to find a way to purchase a home we have been looking to obtain for a long time.
We felt 100 percent confident that Tony and his team were working really hard for us and had our best interests at heart throughout the process. I was also reassured by the speed of action. Things were always promptly followed up and we were constantly updated on our application
Using them as a mortgage broker was the best decision we could make.
We were not the most "straight forward" of client for them but Tony's patience, expert guidance and honesty meant we were able to find a way to purchase a home we have been looking to obtain for a long time.
We felt 100 percent confident that Tony and his team were working really hard for us and had our best interests at heart throughout the process. I was also reassured by the speed of action. Things were always promptly followed up and we were constantly updated on our application
