What are the opening hours?

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

Mortgage Circle, 157A Stratford Road, Solihull (2026)

Q: What is the website?

http://www.mortgagecircle.co.uk/

02/09/2026

🤝🏡 **Delighted to welcome Kerry Jordan, Business Development Manager at Together, to the Mortgage Circle office!**

It was great to catch up with Kerry and discuss Together’s current lending developments, Buy-to-Let criteria and broker support.

🔑 **Together – Current Buy-to-Let Highlights**

✅ **Portfolio Buy-to-Let over £1m** – Together introduced Portfolio Buy-to-Let products for borrowing over **£1 million** for landlords with portfolios of **two or more properties**, subject to criteria.

The portfolio proposition can include:
• One facility across multiple properties
• One Direct Debit, affordability assessment and maturity date
• One personal guarantee
• No stated limit on portfolio size
• Second-charge options to release equity
• AVMs on eligible residential assets, subject to AVM criteria

✅ **No Minimum Income Requirement** – Together states that it does **not have a minimum income requirement for Buy-to-Let mortgages**.

✅ **ICR-Based Affordability** – Buy-to-Let affordability is assessed using the **Interest Coverage Ratio (ICR)**, with rental income considered as part of the assessment.

✅ **Additional Income Considered** – Where a full affordability assessment is required, Together may consider income including **rent from other properties, pension income and salary/wages**, subject to its criteria.

✅ **Flexible Property Finance** – Together supports a range of Buy-to-Let scenarios and considers both standard and more specialist property cases, subject to the applicable lending criteria.

Working closely with BDMs like Kerry helps us stay informed about lender developments and understand where specialist finance may be suitable for our clients.

📞 Mortgage Circle
0121 572 0675 / 0800 644 0190
🌍 [www.mortgagecircle.co.uk] (http://www.mortgagecircle.co.uk)

⚠️ **Important:** Your property may be repossessed if you do not keep up repayments on your mortgage.

ℹ️ **Disclaimer:** This post is for informational purposes only and does not constitute financial advice. Lending criteria, product availability, rates, LTVs, terms and conditions are subject to change. All applications are subject to eligibility, affordability, valuation, underwriting and the lender’s current criteria.

21/08/2026

🤝 Delighted to welcome Danielle Horton CeMAP CeRER, BDM at BM Solutions from Birmingham Midshires, to the Mortgage Circle office!
It was great to spend time with Danielle and discuss BM Solutions’ current lending criteria, processes and support available to brokers.
🔑 BM Solutions – Key Updates
✅ Maximum Customer Age – BM Solutions can lend up to a maximum customer age of 99 at the end of the mortgage term, subject to the relevant criteria.
✅ Product Transfers & Further Advances – Product transfers and further advances can be submitted through a combined application, providing flexibility for eligible cases.
🌱 Landlord Retrofit Tool – BM Solutions’ Sustainability Hub includes a Landlord Retrofit Tool, providing information to help landlords explore retrofit options, energy efficiency and available support.
✅ Enhanced Limited Company Criteria – We now allow at least one guarantor to own a UK property in either personal or limited company name
🏢 Limited Company Buy-to-Let – BM Solutions offers Limited Company Buy-to-Let lending, subject to its published eligibility and lending criteria.
Working closely with BDMs like Danielle helps us stay informed about lender developments and broker support, so we can better assist our clients with their mortgage requirements.
📞 Mortgage Circle
0121 572 0675 / 0800 644 0190
🌍 www.mortgagecircle.co.uk
⚠️ Important: Your property may be repossessed if you do not keep up repayments on your mortgage.
ℹ️ Disclaimer: This post is for informational purposes only and does not constitute financial advice. Lending criteria, product availability, rates, terms and conditions may change. All applications are subject to eligibility, affordability, underwriting and the lender’s current criteria.

10/08/2026

We were delighted to welcome Saalik Haleem, Senior Intermediary & Product Manager at Offa, to the Mortgage Circle office this week 🤝🏡
It was a fantastic opportunity to strengthen our relationship and learn more about Offa’s Sharia-compliant / halal property finance proposition and its current offering for intermediaries.
🔑 Offa – Current Buy-to-Let Highlights
• Sharia-Compliant Finance: Offa provides halal property finance solutions, including Buy-to-Let finance, for clients seeking Sharia-compliant alternatives to conventional finance.
• Buy-to-Let Finance: Offa offers Buy-to-Let solutions for eligible landlords and property investors, subject to the relevant criteria.
• HMO & MUFB: Offa’s current BTL product range includes finance for HMOs and Multi-Unit Freehold Blocks (MUFBs), subject to eligibility.
• UK Resident & Expat Options: Offa’s current BTL rate card includes products for both UK residents and eligible UK expats.
• Individual & Limited Company: Current BTL products are available for individuals and eligible Limited Companies, subject to the applicable criteria.
• Up to 80% FTV: Offa’s current BTL rate card shows products with finance-to-value of up to 80% FTV, depending on the product and applicant/property circumstances.
• Purchase & Refinance: The current BTL product range includes options for both property purchase and refinance, subject to criteria.
• Different Property Scenarios: Offa’s published BTL proposition includes products covering Single AST, HMO and MUFB cases.
Working closely with intermediary specialists such as Saalik helps our team stay informed about Offa’s current proposition and understand where Sharia-compliant specialist property finance may be suitable for our clients.
📞 For tailored mortgage advice, contact Mortgage Circle:
📍 Call: 0121 572 0675 / 0800 644 0190
🌍 Visit: www.mortgagecircle.co.uk
⚠️ Important: Your property may be repossessed if you do not keep up repayments on your mortgage or finance agreement.
ℹ️ Disclaimer: This post is for informational purposes only and does not constitute financial advice. Offa’s eligibility criteria, finance rates, terms, fees and product availability are subject to change. All applications are subject to eligibility, affordability, valuation, underwriting and the lender’s current criteria. Product restrictions may apply.

03/08/2026

We were delighted to welcome Abbas Maqsood and Adeel Ali, Business Development Managers at StrideUp, to our Mortgage Circle office this week. 🤝🏡

It was a fantastic opportunity to strengthen our relationship and gain valuable insight into how StrideUp supports brokers and clients with its Sharia-compliant Home Purchase Plans (HPPs) and specialist approach to home finance.

Regular meetings with lender representatives help ensure our advisers remain up to date with the latest lending criteria, product developments and market updates, enabling us to provide knowledgeable and tailored guidance to our clients.

🔑 StrideUp – Home Purchase Plan Overview

• Sharia-Compliant Home Purchase Plans: StrideUp offers Home Purchase Plans designed to provide a Sharia-compliant alternative to a conventional mortgage, subject to eligibility and product criteria.

• Flexible Borrower Criteria: StrideUp considers a wide range of applicants, including employed, self-employed (from one year's trading), contractors and applicants with multiple income sources, subject to affordability and lending criteria.

• Gifted Deposits Accepted: Up to 100% of the deposit may be gifted, including gifts from family members and, where criteria are met, other donors.

• Supporting Different Circumstances: Applications from first-time buyers, foreign nationals meeting residency and visa requirements, and up to four applicants on a single application may be considered, subject to eligibility criteria.

• Individual Assessment: Every application is assessed on its own merits, taking account of income, affordability, credit profile and the lender's published criteria.

Working closely with BDMs like Abbas and Adeel helps us stay informed about evolving lender criteria and specialist home finance solutions, allowing us to better support clients in exploring options that may be suitable for their individual circumstances.

📞 For tailored mortgage and home finance advice, contact us:

📍 0121 572 0675 / 0800 644 0190

🌍 www.mortgagecircle.co.uk

⚠️ Important: Your property may be repossessed if you do not keep up the payments on your Home Purchase Plan or mortgage.

ℹ️ Disclaimer: This post is provided for general information only and does not constitute financial advice. Home Purchase Plans and mortgage products are subject to eligibility, affordability, underwriting and the provider's lending criteria. Product availability, terms and criteria may change.

22/07/2026

We were delighted to welcome Tim Horne, Business Development Manager at Catalyst Property Finance, to our Mortgage Circle office this week. 🤝

It was a valuable opportunity to strengthen our relationship and gain insight into Catalyst's specialist property finance solutions for a range of development and investment scenarios.

🔑 Catalyst Property Finance

• Development Finance: Up to 85% LTC (net of interest) and up to 65% LTGDV, subject to criteria.

• Flexible Funding: Development loans from £250,000 to £5 million, with terms of up to 24 months, subject to underwriting.

• Specialist Buy-to-Let: Solutions may be available for complex portfolios, limited companies, HMOs, MUFBs and mixed-use properties, subject to the relevant criteria.

Working closely with BDMs like Tim helps us stay informed about specialist lending solutions and evolving criteria, enabling us to better support clients exploring their property finance options.

📞 For tailored advice: 0121 572 0675 / 0800 644 0190
🌍 www.mortgagecircle.co.uk

⚠️ Important: Your property may be repossessed if you do not keep up repayments on your mortgage.

ℹ️ Disclaimer: This post is for general information only and does not constitute financial advice. Lending criteria, product availability, rates, fees and terms are subject to change. All applications are subject to the lender's criteria, underwriting and assessment. Eligibility is not guaranteed.

15/07/2026

We were delighted to welcome **Dave Wheatley, Business Development Manager at Foundation Home Loans**, to our Mortgage Circle office this week. 🤝🏡

It was a great opportunity to strengthen our relationship and gain valuable insight into how Foundation Home Loans supports brokers and clients with specialist residential and buy-to-let mortgage solutions.

🔑 **Foundation Home Loans – Lending Overview**

• **Specialist Residential & Buy-to-Let Lending:** Foundation Home Loans provides mortgage solutions for a range of borrower circumstances, including clients with more complex lending requirements, subject to lending criteria.

• **Buy-to-Let Expertise:** Lending is available for first-time landlords, experienced landlords, limited company borrowers, and portfolio landlords, subject to product availability and lending criteria.

• **Specialist Property Types:** Foundation Home Loans supports lending across a variety of property types, including Houses in Multiple Occupation (HMOs), Multi-Unit Freehold Blocks (MUFBs), holiday lets, short-term lets, semi-commercial properties, and specialist buy-to-let cases, subject to criteria.

• **Residential Solutions:** Residential mortgage products are available for a range of applicants, including first-time buyers, key workers, professionals, self-employed borrowers, Joint Borrower Sole Proprietor (JBSP) applications, and clients with varying credit profiles, subject to lending criteria.

• **Flexible Underwriting:** Applications are assessed on their individual circumstances, helping to support cases that may fall outside standard high-street lending criteria.

• **Broker-Focused Service:** Foundation Home Loans provides dedicated intermediary support, clear criteria, and specialist underwriting to help brokers manage a wide range of residential and buy-to-let cases.

Working closely with BDMs like Dave helps ensure our advisers remain informed about the latest lender criteria, product developments, and market updates, enabling us to continue providing clients with knowledgeable and tailored mortgage guidance.

📞 **For tailored mortgage advice, contact us:**
📍 Call: **0121 572 0675** / **0800 644 0190**
🌍 Visit: **[www.mortgagecircle.co.uk](http://www.mortgagecircle.co.uk)**

⚠️ **Important:** Your property may be repossessed if you do not keep up repayments on your mortgage.

ℹ️ **Disclaimer:** This post is for informational purposes only and does not constitute financial advice. Lending criteria, product availability, interest rates, and terms are subject to change. All mortgage applications are subject to status, underwriting, affordability assessments, and the lender's criteria.

01/07/2026

We were delighted to welcome Sarah Woolf, Business Development Manager at Shawbrook Bank, to the Mortgage Circle office this week 🤝🏡

It was a great opportunity to strengthen our relationship and learn more about Shawbrook's specialist property finance solutions, helping us stay informed and better support our clients with a range of lending options.

🔑 **Shawbrook Bank – Specialist Lending Overview**

• **Specialist Buy-to-Let:** Shawbrook offers Buy-to-Let mortgage solutions for landlords, from first-time landlords to experienced portfolio investors, subject to lending criteria.

• **Wide Range of Property Types:** Lending is available for standard Buy-to-Let properties, Houses in Multiple Occupation (HMOs), Multi-Unit Freehold Blocks (MUFBs), blocks of flats and larger property portfolios, subject to eligibility and underwriting.

• **Flexible Loan Sizes:** Buy-to-Let loans are available from **£50,000 up to £50 million**, depending on the lending solution and individual circumstances.

• **Interest-Only Options:** Interest-only Buy-to-Let mortgages are available up to **75% loan-to-value (LTV)**, subject to affordability and lending criteria.

• **Bridging Finance:** Shawbrook provides short-term bridging finance for eligible residential and commercial property transactions, subject to lending requirements.

• **Commercial Property Finance:** Commercial mortgage solutions are available for a range of business and investment property needs, subject to the lender's criteria.

Working closely with BDMs like Sarah helps ensure our advisers remain up to date with lender products, criteria and market developments, enabling us to better support clients when exploring their mortgage and property finance options.

📞 **For tailored mortgage advice, contact us:**

📍 Call: 0121 572 0675 / 0800 644 0190

🌍 Visit: [www.mortgagecircle.co.uk](http://www.mortgagecircle.co.uk)

⚠️ **Important:** Your property may be repossessed if you do not keep up repayments on your mortgage.

ℹ️ **Disclaimer:** This post is for informational purposes only and does not constitute financial advice. Lending criteria, product availability, interest rates and terms are subject to change. All applications are subject to status, underwriting and the lender's criteria.

22/06/2026

We were delighted to welcome Kerry Jordan, Business Development Manager at Together, to our Mortgage Circle office this week 🤝🏡

It was a fantastic opportunity to strengthen our relationship and gain further insight into how Together supports brokers and clients with a wide range of specialist property finance solutions.

🔑 Together – Lending Overview

• Specialist Lending Solutions: Together provides a range of lending options designed to support clients whose circumstances may not fit high-street lending criteria, subject to assessment and eligibility.

• Residential Mortgages: Residential mortgage solutions are available for a variety of borrower profiles, including employed, self-employed, and retired applicants, subject to criteria.

• Buy-to-Let Lending: Together offers buy-to-let mortgage solutions for landlords and property investors, with affordability assessed using rental income and individual circumstances.

• Bridging Finance: Short-term finance solutions are available for property purchases, refurbishments, auction purchases, and time-sensitive transactions, subject to lending requirements.

• First-Time Buyers Considered: Together may consider applications from first-time buyers, subject to underwriting and lending criteria.

• Flexible Approach: Applications are assessed on individual circumstances, helping to support a broad range of borrowing scenarios where appropriate.

• Property Investor Support: Lending solutions are available across a range of property types, including buy-to-let, HMOs, and Multi-Unit Freehold Blocks (MUFBs), subject to criteria.

Working closely with BDMs like Kerry helps ensure we remain informed about lender criteria and market developments, enabling us to better support clients when exploring their mortgage and property finance options.

📞 For tailored mortgage advice, contact us:
📍 Call: 0121 572 0675 / 0800 644 0190
🌍 Visit: www.mortgagecircle.co.uk

⚠️ Important: Your property may be repossessed if you do not keep up repayments on your mortgage.

ℹ️ Disclaimer: This post is for informational purposes only and does not constitute financial advice. Lending criteria, terms, rates, and product availability are subject to change and depend on individual circumstances.

10/06/2026

🏡 **What Is a Mortgage Agreement in Principle (AIP)?**

If you're thinking about buying a property, you may have come across the term **Mortgage Agreement in Principle (AIP)** — but what does it actually mean?

A Mortgage Agreement in Principle is an indication from a lender of how much they may be willing to lend, based on the information provided at the time, such as your income, outgoings, and credit profile.

🔑 **Why can an AIP be useful?**

✅ It can give you a clearer idea of your budget before you start property searching.

✅ It can demonstrate to estate agents and sellers that you have taken initial steps towards securing mortgage finance.

✅ It may help identify potential issues that could affect a future mortgage application.

# # # It's important to remember:

📌 An Agreement in Principle is **not a mortgage offer**.

📌 A full mortgage application, affordability assessment, property valuation, and lender checks will still be required.

📌 An Agreement in Principle does not guarantee that a mortgage offer will be made.

# # # Before applying for an AIP, it may be helpful to have:

📋 Proof of income
📋 Details of your monthly commitments
📋 Information about your deposit
📋 Identification documents

Every lender has different criteria, and the most suitable mortgage option will depend on your individual circumstances.

At Mortgage Circle, we're here to help you understand your options and guide you through each stage of the mortgage journey.

📞 Contact our team today:
📍 0121 572 0675 / 0800 644 0190
🌍 [www.mortgagecircle.co.uk](http://www.mortgagecircle.co.uk)

⚠️ **Important:** Your property may be repossessed if you do not keep up repayments on your mortgage.

ℹ️ **Disclaimer:** This post is for informational purposes only and does not constitute financial advice. Mortgage approval is subject to status, affordability, and lender criteria.

18/05/2026

🏡 Understanding Loan-to-Value (LTV): What Does It Mean?

If you’re exploring mortgage options, you may have come across the term Loan-to-Value (LTV) — but what does it actually mean? 🤔

LTV is the percentage of a property’s value that is borrowed through a mortgage.

Example:

If a property is worth £200,000 and you have a £40,000 deposit, you would need to borrow £160,000.

➡️ This would mean your mortgage is at 80% LTV.

🔑 Why is LTV important?
• A larger deposit may reduce the amount you need to borrow and may improve the range of products available
• Lower LTV mortgages may provide access to a wider range of products and rates, depending on individual circumstances
• Lenders assess LTV alongside affordability, credit history, and lending criteria when reviewing applications

Typical LTV ranges:

🏠 95% LTV → 5% deposit
🏠 90% LTV → 10% deposit
🏠 75% LTV → 25% deposit

Every lender has different criteria, and the most suitable mortgage option will depend on your individual circumstances.

At Mortgage Circle, we help clients understand their options and navigate the mortgage process with confidence.

📞 Get in touch with our team today:
📍 0121 572 0675 / 0800 644 0190
🌍 www.mortgagecircle.co.uk

⚠️ Important: Your property may be repossessed if you do not keep up repayments on your mortgage.

ℹ️ Disclaimer: This post is for informational purposes only and does not constitute financial advice. Mortgage approval is subject to status, affordability, and lender criteria.

Mortgage Circle

02/09/2026

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