CrowNEST Mortgages

CrowNEST Mortgages An independent, whole of market mortgage adviser based in Bingley, West Yorkshire Registered in England and Wales no. 12977043.

I have been involved in financial services for over 20 years and I work as a mortgage adviser giving comprehensive advice in mortgages and protection. I pride myself on providing a honest, friendly and approachable service and being able to source the deal that works best for you. Crownest Mortgages Limited is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated

by the Financial Conduct Authority. Registered address: 10-14 Crownest Lane, Bingley, West Yorkshire BD16 4HL.

AI Can't Fight Your Corner. I Can.AI is changing the mortgage industry.It can compare rates, it can search criteria, it ...
11/06/2026

AI Can't Fight Your Corner. I Can.

AI is changing the mortgage industry.

It can compare rates, it can search criteria, it can answer basic mortgage questions in seconds. And that's great.

📞But when a lender has concerns about your application, AI isn't picking up the phone to speak to an underwriter.

🗣️AI isn't explaining why a missed payment from three years ago doesn't reflect your situation today.

📂AI isn't discussing complex income, self-employment accounts, maternity leave, gifted deposits, or unusual circumstances that don't fit neatly into a box.

🤝AI can't build relationships, use experience, judgement and advocate for you when a lender needs reassurance before making a decision.

Getting a mortgage isn't just about finding a rate, it's about presenting your case properly, navigating obstacles, and finding solutions when things get complicated.

Technology helps me work faster, but it isn't the mortgage broker.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

🏚️ Looking to refurbish a Buy to Let property?Some lenders offer refurb-to-let options that are designed for experienced...
05/06/2026

🏚️ Looking to refurbish a Buy to Let property?

Some lenders offer refurb-to-let options that are designed for experienced landlords looking to update or improve investment properties and add value, with flexible options available and the ability to apply for a follow-on 'standard' Buy to Let product rate afterwards 👇

I work with lenders who allow:

✔ Up to 6 months available for refurbishment works
✔ Option to secure a longer term fixed rate afterwards
✔ No exit fees or early repayment charges
✔ Faster legal process with Title Insurance available

This can also support:
🏠 Converting a standard property into an HMO (up to 6 occupants)

One of the biggest advantages?

Your refurbishment and Buy to Let applications can be reviewed together by the same underwriter — helping create a smoother process, quicker turnaround times and a clear exit strategy from the outset 💡

📩 Message me to discuss your refurbishment plans and available options.

📞 01274 265571
📧 [email protected]
💻 www.crownestmortgages.co.uk

Subject to full mortgage application and product range.

Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

Two more ⭐⭐⭐⭐⭐ Google reviews last week 😍
01/06/2026

Two more ⭐⭐⭐⭐⭐ Google reviews last week 😍

💡 Had an interest-only mortgage for years and now the end date is creeping up? Feeling unsure about what happens next?Yo...
27/05/2026

💡 Had an interest-only mortgage for years and now the end date is creeping up? Feeling unsure about what happens next?

You're not alone. Many homeowners are finding themselves in a position where their current lender won't extend the term, or they're worried about how the balance will be repaid. 🏡

The good news is there may still be options available. We have lenders on panel that can accept a wide range of repayment strategies, such as savings or pensions, and in some cases don't require as high a level of equity in the property as lenders once used to.

If your interest-only mortgage is coming to an end and you're starting to panic, don't sit with the stress alone, speak to us and let's look at your options together.

Subject to full mortgage application and product range.

📞 01274 265571
📧 [email protected]
💻 www.crownestmortgages.co.uk
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

This FB memory from my personal account made me smile this morning 😊 I don't do many face-to-face appointments any more ...
18/05/2026

This FB memory from my personal account made me smile this morning 😊 I don't do many face-to-face appointments any more which means customers don't get to see the look on my face...I definitely don't have a poker face!!! 😂

🚨 HUGE news for first-time buyers & renters 🚨Halifax is shaking up the mortgage market with a game-changing new deal fro...
15/05/2026

🚨 HUGE news for first-time buyers & renters 🚨

Halifax is shaking up the mortgage market with a game-changing new deal from 18th May 2026 🏡

You could now get on the property ladder with just a £5,000 deposit 🤯

Here's what you need to know:
🔷 Up to 98% LTV (just £5k minimum deposit)
🔷 Available on homes up to £300,000
🔷 5-year fixed rate with NO product fees
🔷 Built for people who can afford monthly repayments but struggle to save a big deposit

This is a massive step toward making homeownership more accessible.

If you've been stuck renting and thought buying was out of reach... this could change everything.

We have access to this deal, so drop us a message! 👇

Subject to full mortgage application and product range.

📞 01274 265571
📧 [email protected]
💻 www.crownestmortgages.co.uk
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

Think bad credit means no mortgage? Not necessarily.There are actually lots of lenders who will consider applicants with...
06/05/2026

Think bad credit means no mortgage? Not necessarily.

There are actually lots of lenders who will consider applicants with credit blips, it's just about knowing where to look and how to present your case.

One lender I'm highlighting at the moment is taking a really practical view of your credit history (and rates start from 5%):

✔️ Up to 3 CCJs in the last 36 months
✔️ CCJs under £300 not taken into account
✔️ No maximum value on CCJs or defaults (and they don't always need to be satisfied)
✔️ Up to 2 missed payments in the last 6 months on unsecured credit
✔️ Communication & utility missed payments/defaults ignored
✔️ Active Debt Management Plans considered up to 85% LTV

This is exactly why speaking to a broker makes a difference, criteria like this isn't always obvious if you're going direct.

If you've been declined before, or you're unsure where you stand, it's worth having a conversation.

📩 Drop me a message, and I'll give you a clear, honest view of what's possible.

Subject to full mortgage application and product range.

📞 01274 265571
📧 [email protected]
💻 www.crownestmortgages.co.uk
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances

A lovely ⭐⭐⭐⭐⭐ Google review to end the week 😍
01/05/2026

A lovely ⭐⭐⭐⭐⭐ Google review to end the week 😍

🔥 More niche lending options for Limited Company landlords 🔥Not every buy-to-let mortgage fits the "standard" box — but ...
30/04/2026

🔥 More niche lending options for Limited Company landlords 🔥

Not every buy-to-let mortgage fits the "standard" box — but the good news is, some lenders are catering for more complex setups 👇

Here are 3 more specialist criteria currently available, all with 1 lender!

✨ Minority shareholders accepted
You can have someone hold up to a 20% share in the Limited Company that's buying the property, without them needing to be on the mortgage or go through credit checks.

💡 For example: you might bring in a friend or family member as a small investor in your company, without them needing to be involved in the mortgage application

🏡 Company buying a director's current home
Your Limited Company can purchase a property you or any other shareholder currently live in and convert it into a buy-to-let.

💰 Intercompany loans for deposits
Using funds from another company as your deposit can be acceptable — even if that company is owned by a single director/shareholder.

💡 For example: you might have a trading business you've run for 20 years (e.g. a building company) where your main income sits. That company could provide the deposit to your property Limited Company, also known as the Special Purpose Vehicle (SPV)

Subject to full mortgage application.

Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

📞 01274 265571
📧 [email protected]
💻 www.crownestmortgages.co.uk
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances

Address

10-14 Crownest Lane
West Yorkshire
BD164HL

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm

Telephone

+447912792581

Website

Alerts

Be the first to know and let us send you an email when CrowNEST Mortgages posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category