The Mortgage Consultancy

The Mortgage Consultancy The Mortgage Consultancy are a mortgage brokerage with offices in Kent & London. We pride ourselves o We can help with both residential and buy to let mortgages.

We can also assist with all of your protection needs. Contact us for a friendly chat with no obligation.

09/09/2026

Think equity only helps when you refinance and take cash out? Think again.

Depending on the deal, the lender and the exit strategy, the equity already sitting in your portfolio could potentially be used as additional security to support your next purchase.

That's why a portfolio review isn't just about finding a better rate or refinancing the property that's coming to the end of its current deal.

It's about looking at what you've already built and asking:

"What funding capacity is sitting inside this portfolio that I'm not using?"

Your existing properties could potentially play a bigger role in helping you grow.

If you're a landlord thinking about your next purchase, don't just look at the property you're trying to buy. Look at the portfolio you've already built.

Get in touch with us and let's see what options your existing portfolio could potentially create for your next move.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681

A recent bridging case was a good reminder of why a lender’s valuation and your own property survey do very different jo...
09/09/2026

A recent bridging case was a good reminder of why a lender’s valuation and your own property survey do very different jobs.
The lender used an AVM to assess the property, so there was no physical inspection as part of that valuation.
The client didn’t commission a full survey either.
The bridging loan completed, but significant structural works were uncovered after the purchase.
The AVM had assessed the property against the lender’s requirements. An AVM doesn’t physically inspect the building, so structural defects may sit completely outside what that process can tell you.
If you’re buying a property, understand what type of valuation is being used and consider what due diligence you want carried out for your own benefit too.
Finding out after completion can be an expensive lesson.

08/09/2026

Think financial protection is only for homeowners? Think again.

If you're renting, your income is still what keeps everything moving.

Your rent depends on it.
Your bills depend on it.
Your lifestyle depends on it.
Your future plans depend on it.

If that income suddenly stopped, what would your backup plan look like?

Renting doesn't mean you're less exposed financially. In some situations, you may have fewer assets or savings to fall back on when things go wrong.

That's why having a backup plan matters.

If you're a renter and you've never thought about what would happen if you couldn't work, comment BACKUP PLAN below and we'll have a chat about how you can benefit from having the right protection in place.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

07/09/2026

What if one property could become multiple individual assets?

A title split can potentially create significant value by turning one asset into several, opening up different options for how you manage and exit the investment.

You could potentially sell one, refinance another, retain one or restructure the entire block.

But the uplift isn't automatic.

The legal structure, market demand, valuation, lease arrangements and lender appetite all matter.

Get it right, and you're not simply buying property.

You're creating options.

If you're looking at a property with title split potential, speak to us before you commit. The opportunity needs to make sense legally, financially and from a lending perspective — and getting the structure right from the start can make all the difference.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

Short leases can scare buyers off quickly.And that can create an opening for someone who understands how to assess the d...
07/09/2026

Short leases can scare buyers off quickly.
And that can create an opening for someone who understands how to assess the deal properly.
Depending on the property and lease length, you may still have finance options.
You might be able to mortgage it as-is.
Or use short-term finance to buy, extend the lease and refinance once the position improves.
The bit that matters is whether the numbers stack up once you factor in the lease extension, finance costs, timescale and likely exit.
So before you scroll past a short lease property, it may be worth asking the question first.
Is there actually an opportunity here?

06/09/2026

It's 2026. We're a generation of renters. So why is the protection conversation still centred around mortgages?

People are renting for longer, moving cities, travelling, building careers, freelancing and starting businesses.

But whatever your lifestyle looks like, one thing often keeps it all moving:

Your income.

Your rent depends on it.
Your bills depend on it.
Your plans depend on it.
Your independence depends on it.

So if protection only becomes part of the conversation when you buy a home, we're potentially leaving a lot of people exposed before they ever reach that milestone.

You don't need a mortgage to have something worth protecting.

Protect the income that pays for your life.

If you're renting or building your career and you've never thought about what would happen if you couldn't work, let's have a conversation. It could be one of the most important financial conversations you have before buying your first home.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

05/09/2026

Supported living isn't financed in the same way as a standard buy-to-let.

The model can involve a care or support provider, a specific lease structure and income that flows differently from a typical rental property.

That complexity can make it difficult for some mainstream lenders to understand the opportunity.

Specialist lenders who work in this space can look at the bigger picture — the lease, the provider behind it and how robust the income is.

The social value of the property can be significant, but so can the complexity of the funding.

The key is finding a lender that actually understands the model.

If you're considering a supported living investment, speak to us before you commit. We can help you understand how the deal may be viewed by lenders and explore the finance options available for your particular circumstances.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

04/09/2026

Not all protection policies are built the same.

It can be tempting to compare policies based on one thing: the monthly price.

But cheaper doesn't always mean better value.

What matters is what's actually inside the policy — the definitions, exclusions, claim conditions, how long it pays, who owns it, whether it's held in trust and whether the cover actually matches your needs.

A policy can look great on paper because of a low premium or a big headline payout, but what really matters is what happens when you need to claim.

Because a cheaper policy that doesn't do the job you need it to do isn't necessarily cheaper.

Don't just buy cover. Understand the cover.

That's where proper advice can make a difference.

If you're unsure whether your current protection actually gives you the cover you think it does, let's have a conversation. We'll help you understand what you've got, what's important in the policy and whether it still fits your needs.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

03/09/2026

Everyone talks about protecting the property. But who is protecting the person behind the portfolio?

As a landlord, your portfolio might depend heavily on you.

The strategy.
The decisions.
The relationships.
The borrowing.
The day-to-day management.

If you're the person holding everything together, what happens if illness, injury or something unexpected means you can't continue doing it?

Landlord protection isn't about being dramatic. It's about being practical.

Your properties may be the assets, but you are the person making the strategy work.

That's why protecting your ability to keep earning, managing and building matters just as much as protecting the bricks and mortar.

If you've built a property portfolio and never really considered what happens if you're no longer able to run it, let's have that conversation. You might have protected the properties without protecting the person behind them.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Mortgage Consultancy is a trading name of The Fincon Service Limited. The Fincon Service Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1034681.

30+ years in, TMC has changed a lot.The thing underneath it hasn’t.People matter. Good advice matters. And finance can h...
03/09/2026

30+ years in, TMC has changed a lot.

The thing underneath it hasn’t.

People matter. Good advice matters. And finance can help make some pretty big plans possible.

A first home. An investment. New business premises. More machinery. More security.

The next opportunity.

That’s why TMC has grown beyond mortgages into property finance, bridging, commercial and business finance, and protection.

Finance is often the tool.

We’re here for the ambition behind it.

FUND. BUILD. PROTECT.

Address

The Engine House, 2 Veridion Way
Erith
DA184AL

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+441322553282

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