Caboodle Financial Services Ltd

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Caboodle Financial Services Ltd Caboodle provides professional mortgage, loan and personal protection advice tailored to meet your specific requirements.

Caboodle will work with you to understand your circumstances and requirements in order to find and recommend the best and most suitable solution to you. We provide the following services

Mortgages

• First Time Buyer mortgages
• Home mover mortgages
• Remortgages
• Personal Buy To Let mortgages
• Limited Company Buy To Let mortgages
• Commercial mortgages

The Financial Conduct Authority does not regulate most Buy to Let Mortgages. Loans (Second charge mortgages)

• Home Improvement loans
• Debt Consolidation loans
• Business purpose loans
• Buy To Let loans
• Adverse Credit loans


Personal Protection & General Insurance

• Home & Contents insurance
• Life insurance
• Critical Illness insurance
• Income protection

To find out more information about the services we offer, how we may be able to assist you or how to contact us please visit https://caboodlefinance.co.uk/

🏠 Could an interest-only mortgage help bridge the affordability gap?As the conversation around mortgage flexibility evol...
14/10/2026

🏠 Could an interest-only mortgage help bridge the affordability gap?

As the conversation around mortgage flexibility evolves, more borrowers are exploring options beyond the standard repayment route. For the right person, an interest-only mortgage could mean lower monthly payments — but it's important to understand the long-term commitment.
We've broken down what this could mean for buyers in our latest article. 👇

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS. WITH AN INTEREST ONLY MORTGAGE, YOUR MONTHLY REPAYMENTS DO NOT REDUCE THE CAPITAL AMOUNT YOU OWE. YOU WILL NEED A SEPARATE REPAYMENT STRATEGY IN PLACE TO REPAY THE FULL AMOUNT AT THE END OF THE MORTGAGE TERM. THERE IS NO GUARANTEE THAT ANY SUCH STRATEGY WILL BE SUFFICIENT.

🏡 What are the key benefits of a JBSP mortgage?One of the biggest advantages is that no physical money necessarily needs...
25/09/2026

🏡 What are the key benefits of a JBSP mortgage?
One of the biggest advantages is that no physical money necessarily needs to change hands. Support can come through a family member’s income being included in the lender’s affordability assessment.
That can increase the amount a lender may be prepared to offer, helping the main borrower reach the borrowing level they need.
Because the supporter isn’t named as a proprietor of the property, their ownership position may not be treated the same way as if they were becoming an owner too. In many circumstances, there may also be no impact on the buyer’s Stamp Duty Land Tax position, although rules and personal circumstances need careful consideration.

💬 “Professional and friendly organisation who we have been using for over 10 years. Always looking out for the interests...
24/09/2026

💬 “Professional and friendly organisation who we have been using for over 10 years. Always looking out for the interests of their client and what is best for them and their future. Always giving genuine and clear advice. Thanks for your help all these years!”

We’re so grateful for this kind feedback. Helping clients with clear, genuine advice and long-term support is exactly what we’re here for. 🏡✨

🏡 Who could benefit from the proposed FCA mortgage reforms?No. 3: Older borrowers.More people are working later in life,...
24/09/2026

🏡 Who could benefit from the proposed FCA mortgage reforms?
No. 3: Older borrowers.

More people are working later in life, staying active in retirement, or needing borrowing solutions beyond traditional retirement ages. A more proportionate approach to later-life lending could improve access while still keeping responsible lending expectations in place.

This is not about loosening standards. It is about lenders being able to assess real-world circumstances more practically for later-life borrowers.

If you are exploring later-life borrowing, it is worth getting clear on your expected retirement income, planned retirement age, and how the mortgage will be repaid, as these details are often central to lender decisions.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS. MOST BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

Mortgages for Foreign Nationals 🇬🇧🏡 — 5 Things You Need to Know No. 5: Deposits From Overseas 🌍💷If your deposit funds ar...
24/09/2026

Mortgages for Foreign Nationals 🇬🇧🏡 — 5 Things You Need to Know
No. 5: Deposits From Overseas 🌍💷
If your deposit funds are held abroad (or transferred from overseas), lenders and solicitors will usually ask for clear paperwork showing where the money came from 📄🔍
This is a standard requirement under UK financial transparency rules ✅ - it’s not a “foreign national” penalty. Getting your documents ready early can help keep everything moving smoothly ⏱️✨

Myth: “Buy-to-let mortgages are only for professional investors.” 🏠 TRUTH: Even first-time landlords can get buy-to-let ...
23/09/2026

Myth: “Buy-to-let mortgages are only for professional investors.” 🏠
TRUTH: Even first-time landlords can get buy-to-let mortgages with the right planning and advice. ✅
Thinking about your first rental property? We can help you understand your options and what lenders look for.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS. MOST BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

Low-Deposit Mortgages: Prepare the right foundations. 🧱🏡Low deposit applications can be assessed more closely, so prepar...
23/09/2026

Low-Deposit Mortgages: Prepare the right foundations. 🧱🏡
Low deposit applications can be assessed more closely, so preparation matters. Keep your finances stable, avoid unnecessary new credit, and make sure your documentation clearly supports your income and expenditure. It’s also worth remembering the deposit isn’t the only upfront cost — legal fees, surveys, removals, and setting up your home can add up quickly. Strong foundations can make the process smoother and reduce last-minute surprises.

Overpay your mortgage if you can!Even a small extra amount each month can knock years off your term and save you thousan...
23/09/2026

Overpay your mortgage if you can!

Even a small extra amount each month can knock years off your term and save you thousands in interest over the life of the loan. 🏡📉

Thinking about buying a home but affordability is the hurdle? 🔑 A Joint Borrower Sole Proprietor (JBSP) mortgage could h...
22/09/2026

Thinking about buying a home but affordability is the hurdle? 🔑 A Joint Borrower Sole Proprietor (JBSP) mortgage could help.

With JBSP, the property is owned in the sole name of the main borrower, but the mortgage is in joint names. This means a supporter (often a parent or family member) may be able to add their income to the affordability assessment without becoming a legal owner of the property. ✅

If affordability is the main obstacle, JBSP can be a practical alternative to the “Bank of Mum and Dad” gifting cash.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS. MOST BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

Had missed payments, defaults, CCJs, or other adverse credit in the past? You’re not alone — and the proposed FCA mortga...
24/08/2026

Had missed payments, defaults, CCJs, or other adverse credit in the past? You’re not alone — and the proposed FCA mortgage reforms could potentially widen your mortgage options by encouraging a more context-based view of historic issues (how long ago, amounts, whether settled, and your stability now). ✅🏡

If your situation is now stable, the key is preparation: be ready to explain what happened, show it’s resolved, and evidence affordability today. A good outcome often comes down to the fine detail — advice can really help.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS. MOST BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

Address

Mere Green House, 46-48 Mere Green Road
Sutton Coldfield
B755BT

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 5pm
Saturday 9am - 1pm

Telephone

+441213089114

Website

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