Tim Whitehouse - Mortgage and Protection Adviser

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Tim Whitehouse - Mortgage and Protection Adviser

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🏠 Mortgage Adviser helping self-employed people & those with poor credit get approved when banks say no. Struggling to get approved?

I cut through the jargon, find lenders who say yes, and get your mortgage sorted fast. DM me 👇🏻 Let's make it happen.

02/11/2026

Need to move fast on a property opportunity? 🚀

Bridging finance can provide the short-term funding solution you need to secure your next property project—whether you're buying at auction, renovating, or navigating a property chain.

Perfect for investors and developers, a bridging loan can unlock potential and keep your plans moving forward without delay.

Ready to explore flexible finance for your property goals? Let's discuss how bridging finance could work for you.

👉 Message me or comment 'BRIDGING' for a friendly, no-obligation conversation.

FAST TRACK FUNDING SOLUTIONS LTD is an appointed representative of OSL Financial Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 948512

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

02/11/2026

If your fixed-term is coming to an end, planning in advance can help you lock in a new rate ahead of time and avoid any unnecessary stress.

FAST TRACK FUNDING SOLUTIONS LIMITED is an appointed representative of OSL Financial Solutions LTD, which is authorised and regulated by the Financial Conduct Authority under FRN 948512

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

02/11/2026

Mortgages with 1 years trading

If you’ve been trading for less than two years, don’t write yourself off when it comes to getting a mortgage.

Many high-street lenders, such as your bank, typically ask for 2-3 years of accounts and take an average of them to assess your affordability.

However, there are specialist lenders who are willing to accept just one year’s of accounts depending on the circumstances.

Before you write off your mortgage hopes, it’s always worth having a quick chat with a mortgage broker to get clarity on your options.

You might end up with a nice surprise!

FAST TRACK FUNDING SOLUTIONS LTD is an appointed representative of OSL Financial Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 948512

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

02/11/2026

Thinking of moving home but want to keep your current property? Let to Buy could be the answer.

Let to Buy allows you to remortgage your existing home onto a buy-to-let basis, releasing funds that can be used as a deposit for your next residential purchase.

The typical process involves:
• Remortgaging your current property to a buy-to-let mortgage

• Confirming the expected rental income meets lender requirements

• Using any released equity towards the deposit on your new home

• Taking a separate residential mortgage for the onward purchase

Both applications are assessed alongside each other, so careful structuring and timing are essential to keep things running smoothly.

At Fast Track Funding Solutions Ltd, I guide clients through the full Let to Buy process, ensuring lenders, figures and timescales align from the outset.

FAST TRACK FUNDING SOLUTIONS LTD is an appointed representative of OSL Financial Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 948512

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

02/11/2026

If you’re self-employed, don’t make this mistake:

Affordability checks can be more stringent for self-employed people than for employees.

An employee might be able to find the right mortgage for themselves on comparison sites, but self-employed mortgages are more complex.

Some of the best options are found off the high street and require you to speak to a specialist broker.

The advantage of this is you save time as the broker takes charge of the entire process, liaising with the lender, your accountant, your solicitor…

This can save you valuable time while you’re running your business.

Also, a broker may be able to position your case with a lender who’s willing to lend you more than your bank.

We saw this with one of our clients, who managed to borrow £40,500 more than what his bank proposed.

Save time and potentially money by letting a broker handle your mortgage journey.

OSL Financial Services Limited is authorised and regulated by the Financial Conduct Authority, FRN 948512.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. f you’re self-employed, don’t make this mistake:

Affordability checks can be more stringent for self-employed people than for employees.

An employee might be able to find the right mortgage for themselves on comparison sites, but self-employed mortgages are more complex.

Some of the best options are found off the high street and require you to speak to a specialist broker.

The advantage of this is you save time as the broker takes charge of the entire process, liaising with the lender, your accountant, your solicitor…

This can save you valuable time while you’re running your business.

Also, a broker may be able to position your case with a lender who’s willing to lend you more than your bank.

We saw this with one of our clients, who managed to borrow £40,500 more than what his bank proposed.

Save time and potentially money by letting a broker handle your mortgage journey.

FAST TRACK FUNDING SOLUTIONS LTD is an appointed representative of OSL Financial Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 948512

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

02/11/2026

Your bank mightn't be your best bet if you're self-employed and looking for a mortgage.

Your bank might not care how well your company is doing if your income looks low on paper.

Some banks prefer to lend based on your salary and dividends. This means your thriving business counts for little if you can’t prove a sufficient income for the mortgage you want.

There are other lenders though who are more flexible for the self-employed. They take your company’s performance into account and can lend based on your salary and your share of company net profits.

This happened with one of our clients whose bank offered them £130,000 based on their salary and dividends.

We worked with a lender who was happy to lend them £170,500 as his company recorded strong net profits.

FAST TRACK FUNDING SOLUTIONS LTD is an appointed representative of OSL Financial Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 948512

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

02/11/2026

Nothing is more rewarding than knowing I've helped turn a stressful process into a smooth and positive experience for a client.

A recent piece of feedback that truly means a lot:

"Tim made this extremely stressful process 100x easier and relieved a massive amount of pressure and stress. The process was easy and Tim was happy to answer any silly questions I had, no matter the time. 100% recommend."

My commitment is to provide clarity, patience, and support—whenever you need it. If you're looking for a simpler mortgage or remortgage journey, I'm here to help.

FAST TRACK FUNDING SOLUTIONS LTD is an appointed representative of OSL Financial Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 948512

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

02/11/2026

Is your home insurance on auto-renewal? It might be time for a review. 🏠

Don't just tick the box when your home insurance renewal arrives. Over time, your needs change—have you made improvements, acquired new valuables, or could you be paying more than you need to?

A quick review ensures your cover stays aligned with your home's true value and contents, and could even help you save.

Let's make sure your sanctuary is properly protected, without overpaying.

👉 Drop me a message or comment ‘HOMEINSURANCE’ to book a friendly, no-obligation review.

FAST TRACK FUNDING SOLUTIONS LTD is an appointed representative of OSL Financial Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 948512

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

02/11/2026

Specializing in complex mortgage scenarios allows us to succeed where others cannot.

A powerful testimonial from a returning expat client:

"As a returning expat, Tim was able to secure us a mortgage where most other advisors couldn't. Very professional with superb communication throughout the process. Will certainly use Tim again and wouldn't hesitate recommending his services."

Navigating unique financial situations requires tailored expertise and clear communication. Whether you're returning to the UK or have a complex mortgage need, we're here to find your solution.

FAST TRACK FUNDING SOLUTIONS LTD is an appointed representative of OSL Financial Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 948512

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

01/11/2026

Your journey to the right mortgage starts with a conversation. Let's talk today. ☎️

Navigating mortgages and protection can feel complex, but you don't have to do it alone.

Whether you're buying your first home, investing in property, or reviewing your financial safety net, I’m here to provide clear, personalised advice.

As your local Fast Track Funding mortgage adviser, I offer:
🔸 Residential, Buy to Let & Commercial Mortgages
🔸 Bridging Finance & Equity Release
🔸 Life Insurance, Critical Illness & Income Protection
🔸 Tailored solutions for you and your business

Let’s make your plans possible—reach out today for a friendly, no-obligation chat.

📞 07792 788 613
📧 [email protected]

FAST TRACK FUNDING SOLUTIONS LTD is an appointed representative of OSL Financial Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 948512

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Address

Ashby De La Zouch
DE126AQ

Telephone

+447792788613

Website

https://linktr.ee/timwhitehouse

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