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Berks & Bucks Finance

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Welcome to Berks & Bucks Finance, your go-to source for expert mortgage advice in the UK! This firm usually charges a fee for mortgage advice.
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With over 40 years of experience, I specialise in helping first time buyers, investors, and homeowners navigate the complex world of mortgages. *YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE*

Social Media posts are aimed at UK customers only. The Financial Conduct Authority does not regulate most Buy to Let Mortgages. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity. Berks & Bucks Finance is a trading name of Harvinder Singh Sandhu who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Ltd. Advance Mortgage Funding Ltd is authorised and regulated by the Financial Conduct Authority.

30/10/2026

Klarna doesn’t feel like borrowing. Your lender sees it differently.

Every Klarna payment shows up on your bank statements. And Klarna shares payment information with credit reference agencies, so it can show on your credit file too. Since July, buy now, pay later has also been regulated by the FCA, which means it’s being treated more and more like any other form of credit.

Using it for a big purchase you pay off quickly? Not a problem. But Klarna on pizza every Wednesday and Friday tells a lender something different. It suggests your money is running out before the month does, and that’s the last thing you want them thinking when they’re deciding how much to lend you.

The same goes for living at the limit of your overdraft every month, or regular gambling that’s eating into your budget.

Most lenders look at your last three months of statements. So if you’re planning to apply, the next three months are the ones that count. Start cleaning things up now.

Thinking about a mortgage? DM me and I’ll go through your statements before a lender does.

🔗 berksbucks.co.uk
📞 07799 117839

27/10/2026

Saving harder won’t always mean borrowing more. Here’s why.

Three things decide your mortgage. I call it C.I.D 🚨

✅ Credit decides who’ll lend to you. Lenders don’t just look at a score; they look at your whole file going back years. It’s worth checking your report with all three credit agencies before you apply, making sure you’re on the electoral roll and clearing up anything that looks wrong.

✅ Income decides how much you can borrow. But it’s not just what you earn. Car finance, credit cards and other monthly commitments all come off what lenders think you can afford. Paying something off before you apply can make more difference than you’d expect.

✅ Deposit decides your rate, not your borrowing. It sets your loan to value. Lenders price their deals in bands, so moving into a lower band can open up a wider choice of deals.

So if you’re saving, it helps to know which of the three is holding you back.

Not sure where you stand? DM me and let’s run through your C.I.D.

🔗 berksbucks.co.uk
📞 07799 117839

20/10/2026

Most contractors who get turned down aren’t turned down because of the contract.

They’re turned down because they went to a lender that doesn’t understand how they work. One lender might want two years of limited company accounts. Another might look at your day rate instead. Same person, same income, very different answer.

That’s why the type of contract matters. Limited company, umbrella, fixed-term, CIS, zero-hours, agency: each one gets looked at differently. Some lenders want invoices, some want payslips, some want to see a history with the same agency or employer. Some look at your income before tax, others after.

The best thing you can do before applying is get your paperwork in order. Contracts, invoices, payslips, and a clear picture of any gaps between work. The more organised it is, the easier it is to find the right lender first time.

On contract and thinking about a mortgage or remortgage? DM me and let’s have a chat.

🔗 berksbucks.co.uk
📞 07799 117839

13/10/2026

Yes, it’s real. No, it’s not for everyone.

A rolled-up interest mortgage means you don’t make monthly payments. Instead, the interest is added to the loan each month and the whole lot is paid off at the end of the term. That’s the bit people need to understand: the balance grows over time, so what you owe at the end will be more than what you borrowed.

That’s why the lender isn’t interested in your payslip. They want to see your assets and, more importantly, your plan for paying it back. That might be selling a property, drawing from a pension, or cashing in investments. No clear exit plan, no deal.

It’s built for people who are asset rich but cash poor. Maybe you’re waiting on a business sale, your shares haven’t vested yet, or you want to help your kids buy without selling up first. It gives you time to sell on your terms rather than the market’s.

It’s a specialist product, so it needs proper advice. Your home may be at risk if the loan isn’t repaid.

Sitting on assets but short on cash? DM me and let’s talk it through.

🔗 berksbucks.co.uk
📞 07799 117839

09/10/2026

If you had to think about it, the answer's probably no.

A mortgage buffer is money set aside for when life doesn't go to plan. The car breaks down, the dog needs the vet, the boiler gives up. One of those on its own is a pain. All three in the same few weeks is when people get into trouble.

Here's what most people don't realise. When you apply for a mortgage, lenders check you can afford the monthly payment. They don't check whether you can cope with everything else going wrong at once. After completion, that part is on you.

So start the buffer. Keep it in a separate pot, keep it for emergencies only, and add to it every month, even if it's a small amount. And while you're at it, check what you're already covered for. Boiler cover, pet insurance, breakdown cover. Boring, but a lot cheaper than finding out you needed them.

No buffer yet? Start one this month.

🔗 berksbucks.co.uk
📞 07799 117839

06/10/2026

Every headline wants to tell you the market's crashing. Most of them are only looking at one end of it.

Big detached houses at the top are having a harder time. Flats at the bottom are too. But the middle, the semis and terraces, has kept steady. And that's nothing new. It's been the pattern for decades.

There's a practical reason it's worth paying attention to. Flats are often leasehold, which can come with service charges and ground rent you don't control, and they can go up. Lenders also look closely at how many years are left on a lease. A semi or terrace is usually freehold, so those costs are in your hands, and there's often room to extend as your life changes.

None of this means a semi or terrace is right for everyone. It comes down to what you can afford and what you need. But if the budget stretches, it's worth a proper look.

Thinking about buying? DM me and let's look at what's possible.

🔗 berksbucks.co.uk
📞 07799 117839

03/10/2026

Most parents think helping their kids buy a house means handing over a deposit. It doesn't have to.

A gifted deposit is the one everyone knows. But it comes with paperwork. The lender will usually want a signed letter confirming it's a gift, not a loan, and they may want to see where the money came from. Sort that early and it saves a scramble later.

If there's no lump sum, your income can still help. Some lenders let a family member go on the mortgage to boost affordability without going on the deeds. Some only accept parents, some accept grandparents, siblings or even friends. But your own outgoings and commitments get looked at too, so it isn't free money on paper.

Then there's the guarantor route, where a parent puts up their own property as security. It can make a big difference, but it's a serious commitment. If the payments aren't kept up, the guarantor's home could be at risk. That's a conversation worth having properly before anyone signs anything.

Every lender has different rules on who they'll accept. Get the right one and the whole thing is far simpler.

Thinking about helping your kids buy? DM me and let's talk it through.

🔗 berksbucks.co.uk
📞 07799 117839

01/10/2026

Most HMO plans don't fall apart at the mortgage stage. They fall apart at the council.

The property can look perfect on paper. Good yield, good location, plenty of rooms. But if the council has already decided that street has enough HMOs, none of that matters.

Here's the bit a lot of investors miss. Many councils use something called an Article 4 direction, which means you need planning permission to turn a house into even a small HMO. Go to seven or more tenants and you need planning permission anyway. Licensing is a separate thing on top of that. Planning and licensing are two different hurdles, and passing one doesn't mean you've passed the other.

So before you fall in love with a property, look at the council's Local Plan. See what they're saying about HMOs in that area. Then look at the property, then the mortgage. In that order.

Got a property in mind? DM me before you make the offer.

🔗 berksbucks.co.uk
📞 07799 117839

26/09/2026

Renting your property out without telling your lender? The lender isn't watching, but that's not actually the biggest problem here.

Most people think the risk is the mortgage. And yes,when you took that mortgage you signed a contract saying you'd live there. Renting it out without consent to let breaks that contract. But here's the part nobody talks about.

Your buildings insurance. Still sitting on a residential policy. The moment that property has tenants in it, that policy is wrong. And if something happens, a fire, a flood, a serious claim, your insurer has a way out of paying. Because you didn't tell them the property was being let. That one oversight could leave you completely unprotected on what is probably your biggest asset.

The fix is two calls. Get consent to let from your lender, most are fine with it. Then call your insurer and update the policy to buy to let. That's it. Two calls, everyone's happy, everything's above board.

Do it properly. The alternative isn't worth it.

Share this with anyone thinking about renting their home out.

🔗 berksbucks.co.uk
📞 07799 117839

22/09/2026

Company director? Your high street bank is only seeing half your income and it's costing you on your mortgage.

Here's what most directors don't realise. High street lenders look at salary and dividends. That's it. But inside your company accounts there's another number they're not looking at... retained profits. Money that's sat in the business, belongs to you, and most high street banks pretend doesn't exist.

A client of mine — company director, clean accounts, very limited personal expenses, running a tight ship — went to a high street bank and got offered a fraction of what he actually needed. Same director, same accounts, same circumstances. A specialist lender who understood retained profits told a completely different story.

The difference wasn't his income. It was which lender knew how to read it.

If your salary and dividends are holding you back from the mortgage you actually need.

DM me and let's have that conversation. And if you know another company director this could help, send this to them.

🔗 berksbucks.co.uk
📞 07799 117839

Address

Regal Court, 42-44 High Street
Slough
SL11EL

Opening Hours

Monday	9am - 5:30am
Tuesday	9am - 5:30am
Wednesday	9am - 5:30am
Thursday	9am - 5:30am
Friday	9am - 5:30am
Saturday	9am - 12:30pm

Telephone

+443300434317

Website

http://berksbucks.co.uk/, https://linktr.ee/berksandbucks

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