Tim Whitehouse - Mortgage and Protection Adviser

Tim Whitehouse - Mortgage and Protection Adviser Mortgage and Protection Adviser.

First Time Buyer, Remortgage, BTL, Debt Consolidation, 2nd Charge, Bridging, Commercial Mortages, Life Cover, Critical Illness Cover, Income Protection

Embarking on a development project? Let’s build your financial plan together. 🏗️Property development can be rewarding, b...
08/09/2026

Embarking on a development project? Let’s build your financial plan together. 🏗️

Property development can be rewarding, but it requires careful financial planning and the right funding structure. From ground-up construction to major renovations, having finance that aligns with your project’s timeline and cash flow is crucial.

I work with a range of lenders who specialise in development finance, helping you secure the capital you need at the right stages of your project—so you can focus on bringing your vision to life.

Ready to discuss funding options tailored to your development plans?

👉 Message me or comment ‘DEVELOPMENT’ to arrange a professional, no-obligation consultation.



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.

08/09/2026

A ‘NO’ from your bank doesn’t have to be the end of the road. 🛣️

Have you been turned down for a mortgage or remortgage by your bank?

It’s more common than you might think—and it’s not always a reflection of your situation. High street banks often use automated systems that can’t see the full picture.

As an independent mortgage adviser, I work with a wide range of lenders and specialise in finding solutions for clients with complex incomes, credit hiccups, or unique circumstances.

There may be more options available to you than you think.

Don’t let one ‘no’ stop you from moving forward with your plans.

👉 If you’ve been declined elsewhere, message me or comment ‘SECONDCHANCE’ for a confidential review. Let’s explore your options together.



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.

08/09/2026

You might still get a ‘yes’ even if your bank says ‘no’.

Banks sometimes have strict lending criteria that aren't always favourable to the self-employed’s complex income.

Your bank’s ‘no’ isn’t always the end of the road, however.

Some specialist lenders have affordability criteria that are better suited to the complex income structures of the self-employed.

So, if you’ve been told ‘no’ by the bank, a mortgage broker might be able to connect you with someone who’s willing to say ‘yes’.




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.

A proactive remortgage strategy doesn't just secure a rate—it can transform your monthly budget.A powerful example from ...
08/09/2026

A proactive remortgage strategy doesn't just secure a rate—it can transform your monthly budget.

A powerful example from a recent client:
"Tim was fantastic, from finding the right mortgage for us to being very proactive in securing it before interest rates went up. The remortgage helped consolidate our outgoings, saving something in the region of £1300 per month."

Strategic timing and expert advice can unlock significant savings. Let’s review your current mortgage and explore your options.



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.

A five-star review doesn't need a long story—it simply needs to reflect a truly positive experience.A wonderful piece of...
08/09/2026

A five-star review doesn't need a long story—it simply needs to reflect a truly positive experience.

A wonderful piece of feedback we appreciate:

"Great service from Tim. Very helpful highly recommended."

Sometimes, the best recommendations are straight to the point. Providing helpful, reliable service is what we strive for with every client. Ready for a great mortgage experience?



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.

07/09/2026

Bank or broker for self-employed mortgages? 🤔

It’s always worth checking your options with a mortgage broker if you’re self-employed.

This is because brokers can connect you with specialist lenders who can have more flexible affordability criteria than your bank.

Your broker will also know the lender’s criteria so they can get you the right mortgage for your circumstances.

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.



07/09/2026

Self-employed and thinking about a mortgage? Here’s what lenders will typically want to see 👇

Whether you’re a sole trader or a limited company director, getting mortgage-ready means having the right documents in place. While every lender is different, here’s a general guide:

Sole Traders:
• 2–3 years’ tax calculations and tax year overviews
• Business accounts (if prepared by an accountant)
• 3–6 months’ business bank statements
• Proof of ID and address

Limited Company Directors:
• 2–3 years’ company accounts
• 2-3 years’ tax calculations and tax year overviews
• Business and personal bank statements
• Proof of ID and address

Some lenders will consider just one year’s trading, and others assess income differently — especially for company directors — so getting the right advice can make all the difference.

If you’re self-employed and unsure what lenders will accept, I’m always happy to talk through your situation and help you prepare.

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.

07/09/2026

How I got my client an extra £40,500:

A company director came to me after his current mortgage broker told him the maximum he could borrow was £130,000.

This amount was based on the bank’s affordability criteria, which was how much salary and dividends the director had paid himself.

After looking into his case in detail, I felt that my client would be able to borrow more with a different lender.

I managed to place the case with a specialist lender who looked at the company’s profits before corporation tax.

Because my client had preferred to retain profits within the company, this affordability criteria unlocked extra borrowing power for him, than what his salary and dividends allowed.

In the end, we secured him a mortgage for £170,500.

A full £40,500 more than what his current mortgage broker said.

Before you take your bank’s or current mortgage brokers word as gospel, it’s worth exploring your options with another mortgage broker to make sure you’re getting the right mortgage for your circumstances.




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.

Efficient, effective, and genuinely pleasant service is at the heart of what we strive for with every client.A wonderful...
07/09/2026

Efficient, effective, and genuinely pleasant service is at the heart of what we strive for with every client.

A wonderful piece of feedback that says it all:
"Brilliant service, sorted me a good mortgage deal in good time, very helpful and all round pleasant man to work with."

Securing the right mortgage should be a smooth and positive experience. Let's work together to find your ideal deal.



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.

Transforming the remortgage process into a smooth and straightforward experience is always the goal.A great review that ...
07/09/2026

Transforming the remortgage process into a smooth and straightforward experience is always the goal.

A great review that captures this approach:

"Tim was really helpful and made my remortgaging process very easy. He was very thorough, answered any questions I had promptly and explained everything very well!"

Clarity, thoroughness, and prompt support are the foundations of a stress-free remortgage. Let’s simplify your next financial move.



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

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