FCA regulated advice
Purchase
From a first flat to a fourth move, the job is the same: find the lender whose criteria your circumstances actually fit, and get the offer out before the chain wobbles.
Typical deposit
5% upwards
Advice
Whole of market
Offer timeline
2–4 weeks typical
Regulated
Yes, FCA
What we arrange
01
First-time buyers, including gifted deposits and family-assisted schemes
02
Home movers with a chain, a bridge, or a sale falling through behind them
03
Second homes, holiday lets and properties bought for a family member
04
Self-employed, contractor and bonus-heavy income assessed on the right basis
05
New build reservations with deadlines and offer-expiry pressure
Questions we get asked
How much can I actually borrow?
Most lenders start around 4.5× income, but contractors, company directors and bonus earners are assessed very differently between lenders. We check the ones that read your income favourably.Does a broker cost more than going direct?
No. We have access to products the high street does not publish, and we tell you the total cost — rate, fees, valuation and legals — before you commit.Adverse credit — is it worth asking?
Yes. Defaults, missed payments and older CCJs are fundable at sensible rates far more often than people expect. One conversation tells you where you stand.
Buying, or about to offer?
An honest view on whether it can be funded, and roughly on what terms. No credit search.
Book a call
Your home may be repossessed if you do not keep up repayments on your mortgage. Craddock Financial Solutions Ltd is an appointed representative of CMME Mortgages and Protection Limited, authorised and regulated by the Financial Conduct Authority, FRN 414798.