Adverse credit. Self-employed. CIS pay. Benefit income. Right-to-Buy. We arrange mortgages, loans and insurance for the cases the high street can't fit. We've placed over 3,000 of them across the team's practice.
No templates. No call centres. A named adviser handles your case from first phone call to final repayment. Same person, every time.
CeMAP-qualified advisers with deep experience in adverse credit, complex income and the cases the high street can't touch.
A whole-of-market panel of lenders and specialists, including private banks and lenders you won't reach directly.
Self-employed, CIS, benefit income, adverse credit, foreign nationals. If it's complicated, it's exactly what we do.
FCA-regulated, with a real office, a real phone number and an annual review to ensure you're on target to achieve your short and long term objectives.
From your first mortgage to your fourteenth, from a five-percent deposit to a complex remortgage. We handle the lender, the underwriter, and the paperwork. You handle deciding which kettle to bring.
First home, remortgage or fourteenth investment property. We know which lender to call across the whole market, even when others have said no.
Sometimes a remortgage isn't the answer. A secured loan against your equity can be faster, cheaper, and easier on adverse credit. We model both, and recommend honestly.
A mortgage without protection is an unfinished arrangement. We quote across 23 insurers, including specialists who'll cover health conditions others won't.
If you've been turned down by your bank, told to wait, or treated like a number, we'd like a word. Our specialism is exactly the kind of case the high street routinely declines.
From your first phone call to your keys in hand, we keep things simple, transparent and human. No jargon, no surprises, no upfront fees.
A no-pressure phone call. Tell us what you're trying to do. We'll tell you honestly whether we can help.
We assess your position, search the whole market and present a clear set of options in writing.
You pick. We submit, manage the valuation, and chase the underwriter. You speak only to us.
We see you through to completion. Three months before your fix expires, we re-source the market for you.
Real outcomes for real people. From a small specialist team in South Yorkshire.
Real Excel Money customers. Real keys, on real doors. Here are a few we've recently helped move home.
We were first time buyers with no knowledge of the industry. Andy & Jayne helped us from the initial contact all the way through to completion. They even sorted our Life insurance.
They explained everything in plain English. I finally understood what I was signing.
I had started the purchase process with another advisor, but found them uninterested & rude. Excel were recommended to me and 2 months later I had the keys to my house.
and many more We post the wins we're allowed to share, the lender quirks we've found this week, and the occasional photo of a happy client with a basket of biscuits. Come and have a look.
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No. The initial conversation leaves no footprint at all. If you'd like us to look at your credit position formally, we use a soft search that won't affect your score. A hard search only takes place when you instruct us to apply, and only with the lender we've agreed.
Absolutely not. The high street uses automated credit scoring that auto-declines around half of first applications, often for reasons that have nothing to do with affordability. Specialist lenders manually underwrite. They look at the case, not just the score. That's where we come in.
Honestly? We've placed cases with active CCJs, recent defaults, IVAs, and discharged bankruptcies as recent as two years. Rate and LTV will reflect the risk, but if there's a deposit and demonstrable affordability, there's usually a lender. Tell us your situation and we'll give you a straight answer.
Yes. Several lenders on our panel, including some high-street names, will consider one full year of trading with strong projections. We've placed many of these. Bring your tax calculation (SA302), tax-year overview, and last three months of business bank statements.
Yes. Our protection advice is independent of any mortgage application. We're happy to review existing cover or arrange new policies. Many of our clients come to us this way after a divorce, a new baby, or starting a business.
Often, yes. If you have equity in your home, we can look at a remortgage or a second-charge secured loan to release funds for home improvements, consolidating debt, helping family onto the ladder, or almost any legal purpose. We'll model both options side by side so you can see the true cost of each before deciding, and we'll always be honest if staying put is the better move.
It means we're authorised by the Financial Conduct Authority (firm reference 450713) and bound by their rules on suitability, disclosure and complaints. Should we ever fall short, you can refer the matter free of charge to the Financial Ombudsman, and you're protected by the Financial Services Compensation Scheme.
Have a 15-minute chat with an adviser. Confidential, no credit footprint, no hard sell. We can usually tell you on the call whether we can help.
Tell us a bit about your situation. We come back within the hour during business hours. A real adviser, real expertise, no hard sell.