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

10/06/2026

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 five-star review doesn't need a long story—it simply needs to reflect a truly positive experience.A wonderful piece of...
10/06/2026

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.

09/06/2026

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.

Transforming the remortgage process into a smooth and straightforward experience is always the goal.A great review that ...
09/06/2026

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.

08/06/2026

🏡 Thinking about releasing money from your home? Understanding the difference could save you thousands.

One of the most common misconceptions I come across is that releasing cash from your property automatically means taking out an Equity Release plan.

In reality, there are two very different ways of accessing equity in your home:

✅ Remortgaging or taking a further advance – This can allow you to release funds for home improvements, debt consolidation, helping family members, or other purposes, often whilst remaining on a standard residential mortgage.

✅ Equity Release (Lifetime Mortgage) – A specialist product typically designed for older homeowners, where the loan is usually repaid when the property is sold following death or a move into long-term care.

The right option depends on your age, circumstances, income, future plans and objectives. What works for one homeowner may not be suitable for another.

Before making any decisions, it’s important to understand all the available options and the long-term implications of each.

📞 If you’re considering releasing money from your property and would like tailored advice, get in touch and I’ll be happy to discuss your options.



Equity Release will reduce the value of your estate and may affect entitlement to means-tested benefits.

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

08/06/2026

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.

The highest compliment is when a client describes the mortgage process as not just professional, but truly positive.A wo...
08/06/2026

The highest compliment is when a client describes the mortgage process as not just professional, but truly positive.

A wonderful review to share:

"Dealing with Tim was delightful, very easy and very professional. Excellent communication and information given was well detailed and explained. Highly recommended for anyone seeking to buy a property."

My goal is to make your property journey clear, straightforward, and even enjoyable with detailed guidance every step of the way.



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.

07/06/2026

Work for yourself and need a mortgage

Many banks and high-street lenders have criteria that suit employees.

For those that break the mould, like self-employed professionals, it can be trickier to find access to the loans you want.

Specialist brokers have access to certain lenders who look at self-employed income differently and understand the nuances.

Not only do we know the right lenders for your situation, we also do all of the legwork so you can focus on running your business with no added stress.




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.

Providing expert mortgage solutions means blending market agility with genuine human flexibility.A fantastic review from...
07/06/2026

Providing expert mortgage solutions means blending market agility with genuine human flexibility.

A fantastic review from a landlord client:

"Tim helped me get a remortgage on my rental property. I was keen to get things done quickly and easily with the current market and he kept me assured every step of the way and found me a great deal. I have two very young children and Tim was very flexible with me, helping me with queries at all times :)"

Whether you're managing investments, timing the market, or balancing family life, we provide efficient, reassuring, and adaptable support. Let's secure your next 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.

06/06/2026

More Salary or Dividends

Should I take more salary or dividends to qualify for a mortgage?

Some lenders assess income differently for limited company owners.

Typically, they go for salary + dividends.

This can be an issue for directors who retain profits within the business.

As specialist brokers, we have access to exclusive lenders that are happy to look at salary + retained profits, meaning you can have access to the loan you need for your dream home.




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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