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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/

09/10/2026

🏡 Mortgage Circle Welcomes Lee Clarke from Barclays Business Banking. We were delighted to welcome Lee Clarke, BDM at Barclays Business Banking, to Mortgage Circle for a valuable discussion about Barclays’ lending appetite, criteria and funding solutions across the property investment sector.
Following his visit, Lee kindly shared a range of lending guidance with us, providing useful insight into Barclays’ approach to supporting landlords, property investors and businesses.
📌 Key areas covered in the lending guidance include:
🔹 Limited Company Buy-to-Let Mortgages – Lending for eligible landlords with up to 20 mortgaged rental properties, with facilities of up to £2 million, subject to criteria.
🔹 Residential Investment Loans for Professional Landlords – Portfolio lending for experienced landlords with four or more mortgaged rental properties, with facilities of up to £10 million.
🔹 Commercial Property Investment Finance – Lending options for eligible commercial property investors, with terms and loan-to-value limits dependent on the facility structure and individual case.
🔹 Residential Development Finance – Selective funding appetite for experienced developers with a demonstrable track record and loan requirements of £1 million or more.
🔹 Understanding Lender Requirements – Important considerations including loan-to-value ratios, rental income cover, repayment structures, landlord experience, rental schedules and supporting documentation.
The guidance highlights the importance of understanding each lending category, assessing cases against the relevant criteria and engaging with the appropriate lender contacts when structuring a proposal.
A big thank you to Lee Clarke and Barclays Business Banking for taking the time to visit Mortgage Circle and for sharing these valuable resources with our network.
At Mortgage Circle, we believe that strong lender relationships, collaboration and knowledge-sharing help us support brokers and clients in navigating the property finance market.
🏠 Considering a mortgage or property investment? Speak to Mortgage Circle first.
Our team can review your circumstances and help you explore lenders and products that may be suitable for your needs.
📞 0121 572 0675
📞 0800 644 0190
🌐 www.mortgagecircle.co.uk
⚠️ All lending is subject to eligibility, affordability, underwriting, valuation and the lender’s full criteria. Indicative criteria may change and do not guarantee approval. Your property may be repossessed if you do not keep up repayments on your mortgage.
Mortgage Circle is authorised and regulated by the Financial Conduct Authority.

28/09/2026

🏦 Great to welcome Sabiha Moghal, Business Development Manager at Afin Bank, to Mortgage Circle!
It was great to catch up with Sabiha and discuss Afin Bank’s current mortgage proposition and lending criteria.
Afin Bank offers specialist residential, Buy-to-Let and regulated bridging solutions, including options for borrowers whose circumstances may not fit traditional lending criteria.
🔎 Current Criteria Highlights
🏠 Residential Mortgages
• Mortgage options available from 95% LTV on eligible Prime and Professional products
• Mortgage terms of up to 40 years, subject to affordability and criteria
• First-time buyers accepted
• Self-employed applicants considered, including customers with more complex income structures
• Contractors can be considered from the start of their contract where they have 2 years’ relevant industry experience, subject to Afin’s contract requirements
• Forecasted income can be considered for eligible self-employed applicants with a minimum of 18 months’ trading history
👔 Professional Applicants
• Eligible professionals can access enhanced affordability of up to 6.5x income, subject to criteria
• For loans above 80% LTV, a minimum income of £40,000 is required
• For loans at or below 80% LTV, a minimum income of £35,000 is required for single or primary applicants
• Up to 95% LTV is available on eligible purchase transactions
🌍 Visa & Foreign National Applicants
• Applicants with a minimum of 6 months’ UK residency on a valid/eligible visa can be considered
• Afin’s criteria includes specific eligible visa and immigration statuses, subject to the full lending criteria
🏘️ Buy-to-Let
• Options available for first-time and experienced landlords/investors
• Minimum BTL loan of £50,000
• Maximum standard BTL LTV of 75%
🚧 Regulated Bridging
Afin Bank’s regulated bridging proposition offers:
• Up to 80% LTV gross
• Rolled-up interest, meaning no monthly interest payments during the term
• Support for purchases, refinancing and light refurbishment
• Funds for works available from day one
A big thank you to Sabiha for taking the time to visit us and talk through Afin Bank’s latest proposition and criteria.
If you’re considering a mortgage, speak to Mortgage Circle first.
We can review your circumstances and help assess which lenders and products may be suitable for your needs.
📞 Mortgage Circle
📲 0121 572 0675
📞 0800 644 0190
🌐 www.mortgagecircle.co.uk
⚠️ Important:Mortgage lending is subject to eligibility, affordability, underwriting, valuation and the lender’s full criteria. Criteria and products can change. Your home or property may be repossessed if you do not keep up repayments on your mortgage. Mortgage Circle is authorised and regulated by the Financial Conduct Authority.

21/09/2026

🤝🏡 Great to welcome Ruth Prestidge, Business Development Manager at HSBC UK Intermediary Mortgages, to the Mortgage Circle office!
It was great to catch up with Ruth and discuss HSBC UK’s current mortgage criteria, lending proposition and broker support.
🔑 HSBC UK – Criteria Highlights
💼 Income & Employment
✅ Fixed-term contract applicants can be considered, subject to HSBC UK’s published criteria.
✅ Self-employed income can be considered, subject to HSBC UK’s self-employed lending criteria and evidential requirements.
✅ For Limited Company directors, HSBC UK can consider salary together with the applicant’s share of eligible net profit after corporation tax, subject to its published criteria.
🏡 Lending Into Retirement
✅ HSBC UK can consider lending beyond the intended retirement age where the applicant can demonstrate that they can service the mortgage for the full term.
🏠 Interest Only
✅ Interest-only lending is available, subject to HSBC UK’s eligibility criteria and an acceptable repayment strategy.
⚠️ Adverse Credit
✅ Customers with missed payments may be considered under exceptional circumstances, subject to HSBC UK’s criteria.
🏘️ Buy-to-Let
HSBC UK offers Buy-to-Let lending subject to its current BTL policy and eligibility criteria.
✅ Interest-only and capital repayment options available
✅ BTL lending subject to HSBC UK’s landlord and property criteria
✅ EPC requirements apply
✅ HSBC UK does not accept applications where the applicant is considered to be a Portfolio Landlord under its published policy
✅ Maximum overall BTL lending and other lending limits apply under HSBC UK’s current criteria
📣 Thinking about your next mortgage?
Speak to Mortgage Circle first. Our team can assess your circumstances and help identify suitable lender options based on your individual requirements.
A big thank you to Ruth Prestidge for taking the time to visit us and share her latest insight into HSBC UK Intermediary Mortgages.
📞 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 information purposes only and does not constitute financial advice. Lending criteria, product availability, rates, LTVs, fees, terms and conditions are subject to change. All applications are subject to HSBC UK’s eligibility, affordability, valuation and underwriting requirements. Not all products or criteria will be suitable for every client.

15/09/2026

🤝🏡 Great to welcome Adam Bluma, Business Development Manager at Seneca Bridging Limited., to the Mortgage Circle office!
It was great to catch up with Adam and discuss Seneca’s latest property finance solutions and lending criteria.
🔑 Seneca – Current Lending Highlights
💷 Revolving Credit Facility
✅ Facility sizes from £200,000 to £1m
✅ Up to 70% LTV on residential property
✅ Up to 60% LTV on semi-commercial and commercial property
✅ Terms up to 24 months, with a 12-month review
✅ 48 hours' notice to request funds
✅ No revaluation required within the first 2 years
🏗️ Development & Refurbishment Finance
✅ Light refurbishment: £100k–£2.5m
✅ Ground-up development: £250k–£2.5m
✅ Ground-up development terms up to 18 months
✅ First-time developers considered, subject to experience and asset requirements
🏡 Security & Property Types
Seneca's criteria includes lending against:
✅ Residential property – up to 75% LTV
✅ HMO – up to 75% LTV
✅ Buy-to-Let – up to 75% LTV
✅ Land with planning for development – up to 75% LTV
✅ Semi-commercial – up to 65% LTV
✅ Commercial – up to 60% LTV
✅ Individuals, Limited Companies, LLPs and partnerships
✅ Leasehold properties with a minimum of 75 years remaining
🏦 No Deposit Property Finance
Seneca also provides a 100% funded property finance solution, subject to underwriting and criteria.
This can allow experienced developers and investors to leverage equity held within existing property assets to help fund their next project.
✅ Loan sizes from £100k to £3m
✅ First and second charge options available
✅ Ground-up developments and refurbishment projects considered
✅ Terms from 6–18 months
✅ Supporting security can include a second charge on a residential home, BTL portfolios, residential investment properties and selected semi-commercial assets
📣 Considering a complex property finance case?
Speak to Mortgage Circle first. Our team can assess your circumstances and funding requirements and, where appropriate, approach the relevant specialist lender.
A big thank you to Adam Bluma for joining us for lunch and sharing Seneca’s latest lending criteria with our team.
📞 Mortgage Circle
0121 572 0675 / 0800 644 0190
🌍 www.mortgagecircle.co.uk
⚠️ Important: Seneca's facilities are unregulated. Its Revolving Credit Facility cannot be used for lending purposes on a primary residence. Your property may be at risk if you do not meet the terms of your finance agreement.
ℹ️ Disclaimer: This post is for information purposes only and does not constitute financial advice. Lending criteria, product availability, LTVs, loan sizes, rates, fees, terms and conditions are subject to change. All applications are subject to the lender’s eligibility, valuation, underwriting and applicable criteria.
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07/09/2026

🤝🏡 Great to welcome Tom Lawry, BDM at Keystone Property Finance, to the Mortgage Circle office!

It was great to catch up with Tom and discuss Keystone’s approach to complex Buy-to-Let lending and some of the more challenging property and borrower scenarios they can consider.

🔑 Keystone Property Finance – Criteria Highlights

🏢Property Types & Security

✅ Flats above commercial premises, including restaurants and takeaways
✅ First Time Landlords purchasing above commercial premises, up to 75% LTV
✅ Ex-local authority properties, including deck access, up to 75% LTV
✅ Flat roofs
✅ Broken freeholds
✅ Title splits
✅ Multiple kitchens
✅ Several properties on a single title

👤 Landlord & Borrower Types

✅ Limited Companies, including Trading Ltd Companies
✅ Portfolio Landlords
✅ First Time Landlords
✅ Expat Landlords, including Australia, Dubai, Hong Kong, USA and many more
✅ Employed, self-employed and retired applicants

🏡 Products & Lending

✅ HMOs and MUFBs up to 20 rooms/units
✅ Holiday Lets, including Airbnb
✅ Maximum loan size of **£3m at 70% LTV** and **£2m at 75% LTV**, subject to the applicable criteria
✅ Product Transfers, including **PT+ with further advance options**

💡 Additional Features

✅ Fees can be added above the maximum LTV and are not included within the ICR calculation, subject to criteria
✅ Additional and Selective Licensed HMOs available on Standard Rates, with Mandatory Licensed HMOs remaining on Specialist Rates
✅ Share Purchases
✅ Incorporations

📣 Got a complex Buy-to-Let case?

Keystone’s BDM team can review more complex scenarios **before an AIP**, helping brokers understand whether a case may be suitable before proceeding.

If you’re considering a complex mortgage, speak to Mortgage Circle first.** Our team can assess your circumstances, discuss the available options.

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

A big thank you to Tom Lawry for visiting the Mortgage Circle office and sharing his insight into Keystone’s latest lending proposition.

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

ℹ️ Disclaimer:This post is for information purposes only and does not constitute financial advice. Lending criteria, product availability, rates, LTVs, fees, terms and conditions are subject to change. All applications are subject to the lender’s eligibility, affordability, valuation, underwriting and applicable lending criteria. Not all products or criteria will be suitable for every client.

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.

Mortgage Circle

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Wednesday	9am - 5pm
Thursday	9am - 5pm
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