Residential • Buy-to-Let • Remortgage • Complex Cases
Mortgages for Your Clients
First charge mortgage support for UK intermediaries. At Wednesday Financial Services, we support intermediaries across the UK with a wide range of first charge mortgages for your clients.
Whether you are helping first-time buyers onto the property ladder or assisting portfolio landlords with their complex limited company purchase, we are here to make the process smoother for you and your clients.
Risk warning: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
We are a credit broker, not a lender. We work with a panel of UK lenders to give you access to competitive rates and criteria. We explain the options, costs and risks in clear, plain English, helping you deliver advice that is clear, fair, and not misleading.
Repayment preview
Illustration only. Actual lender figures depend on status, product fees and timing. Use the full calculator for accuracy.
Why UK Intermediaries Partner with Wednesday Financial Services
Intermediaries choose Wednesday Financial Services because we offer:
We aim to be a supportive partner so you can help more clients, with confidence.
Who this suits
- • First-time buyers wanting clear steps and costs.
- • Home movers comparing rates, porting vs. new deals.
- • Remortgagers looking to reduce monthly payments.
- • Buy-to-let purchases & remortgages.
Quick eligibility
Likely match score
Good to know
- • Product fees, valuation and legal costs may apply.
- • Early repayment charges can apply on fixed/tracker periods.
- • For interest-only, you must have a credible repayment strategy.
How We Support You
We work alongside you to help place suitable mortgage cases efficiently, while you stay in control of the client relationship and the advice.
- Talk through your client’s situation and goals
- Purchase, remortgage, capital raising, debt consolidation, buy-to-let, portfolio growth or restructuring.
- Short-term needs (e.g. fixing for a period) and longer-term plans such as retirement or family changes.
- Review suitable lenders from our panel
- High street lenders for straightforward cases.
- Specialist lenders for more complex income or property types.
- Buy-to-let and portfolio specialists who understand landlord needs.
- Provide clear mortgage illustrations
- The rate, whether fixed or variable.
- The monthly payments now and after any fixed period.
- Overall cost over the chosen term.
- Any product, valuation or other fees, and any early repayment charges.
- Help compare different approaches
- Remortgaging vs staying with the current lender.
- Borrowing extra vs keeping the loan amount similar.
- Repayment vs interest-only, or a mix where suitable.
- Manage the application process with the lender
- Helping with paperwork and questions from underwriters.
- Liaising with the lender, solicitor and surveyor where needed.
- Keeping you updated so you can keep your client informed.
Our aim is to make cases easier to place, explain and complete, helping you provide information that is clear, fair and not misleading.
Types of Mortgage Cases We Help With
We support a wide range of scenarios, from simple home moves to larger portfolios.
The sections below outline how we can help you structure the right solution for your client.
Residential mortgages
For your first-time buyers and home movers, affordability is key. We can help you:
- Compare options based on deposit, income and credit history.
- Look at fixed and variable rates and explain how payments may change when a fixed rate ends.
- Consider the total cost of borrowing, not just the starting rate.
- Show how loan-to-value (LTV) affects pricing and product choice.
- Highlight any fees, including product, valuation and legal fees.
We make it clear so your client understands how much they will pay each month, how long their initial rate will last, and what their options are when that rate ends.
Remortgages and rate switches
When your client’s deal is ending, or they want to raise capital, we can:
- Compare the market: checking if a new lender offers better value than staying put.
- Analyse costs: weighing lower rates against fees involved in switching.
- Capital raising: structuring loans for improvements, debt consolidation or other needs, ensuring risks are clear.
Buy-to-let and portfolio landlords
We work with individual landlords and portfolio landlords, including some limited company arrangements where lenders allow this.
- Rent coverage: finding lenders who fit your client’s rental yield and tax bracket.
- Structures: sourcing mortgages for Limited Companies (SPVs) and HMOs.
- Portfolio growth: managing complex background checks for landlords with four or more properties.
Complex and non-standard cases
We can often help where your case is not straightforward. For example:
- Complex income: contractors, freelancers, and clients with multiple income streams.
- Adverse credit: clients with missed payments, defaults, or CCJs (subject to criteria and age of the issue).
- Non-standard property: high-rise flats, timber frames, or properties above commercial premises.
We will always be open about what seems realistic so you can manage expectations and avoid wasted time.
Representative Example (illustrative)
A mortgage of £200,000 payable over 25 years on a fixed rate of 5.49% p.a. (representative APR 5.7%) would require £1,228 per month. Total amount payable £368,400 including fees.
Where a promotion shows a rate/cost, the representative APR and example should be displayed with equal prominence and be fair, clear and not misleading.
Frequently Asked Questions
These FAQs are designed to support your conversations with clients. You can adjust the wording to fit your own advice process.
We support you with:
- Residential purchases for first time buyers and home movers.
- Remortgages and new deals with the current lender.
- Buy to let mortgages, including portfolio landlords and some limited company structures.
- More complex cases, such as self employed or multi income clients, and those with historic credit issues.
We will explain which lenders on our panel may be suitable, based on your client’s situation, property and goals.
We look at the whole picture: your client’s income type, deposit size, credit history, property type, and what matters most to them (for example, a lower starting payment, certainty of cost or flexibility). We then match this against our panel’s criteria to find the most suitable and affordable option, balancing the lowest rate against the likelihood of acceptance.
Repayment (capital and interest)
- Each monthly payment reduces the amount owed, as well as paying interest.
- If all payments are made in full and on time, the mortgage should be cleared by the end of the term.
- This is the most common type of mortgage for people living in the property.
Interest only
- Your client pays only the interest. The loan balance remains the same.
- At the end of the term, your client must repay the full amount in one go, often through savings, investments or sale of a property.
- Lenders usually ask to see a clear and realistic plan for how this will be repaid.
We will help you explain the extra risks of interest only, including the chance that the repayment plan may fall short, or that the client might need to sell the property.
Yes. We have access to lenders who take a human approach to underwriting. They look at why the credit issues happened and when. Recent issues are harder to place, but historic issues (over 2 years old) often have viable solutions. We will give you an honest assessment upfront.
Timescales vary, but as a general guide:
- Straightforward residential cases: often a few weeks once the application and documents are complete, depending on valuation and legal work.
- More complex or buy to let cases: can take longer, especially if there are several properties or complex income.
We will:
- Give you a realistic timescale based on the lender and the case.
- Keep you updated so you can keep your client informed.
- Let you know about any issues that may slow things down, such as survey findings or legal queries.
To avoid delays, we usually require:
- ID and proof of address.
- Evidence of income: recent payslips and a P60 (employed) or 2 years’ tax calculations/accounts (self-employed).
- 3 months’ bank statements.
- Details of existing loans, credit cards and other credit commitments.
- Information about the property being bought or remortgaged.
- Proof of deposit.
Transparency is vital. Before your client chooses to go ahead, we will:
- Disclose any advice or broker fees that may apply.
- List all lender fees, such as product, valuation, or arrangement fees.
- Confirm typical legal costs and when they are due.
We will also explain if we receive a commission from the lender. You or your client can ask us to confirm the amount or likely amount. All costs are shown in the mortgage documents you can review with your client.
Potentially, yes. However, we must ensure it is appropriate. While it can lower monthly outgoings, securing short-term debt against a home over a long term often increases the total interest payable. We will help you present a balanced view of the risks and benefits to your client.
When rates move, we can help you:
- Check whether your clients can still afford payments at higher rates.
- Look at the pros and cons of fixing for longer vs shorter periods.
- Compare overall costs, not just the starting rate.
We follow market changes and update you on new options, so your advice stays up to date.
Compare your mortgage options
We’ll outline fees, timelines and likely outcomes up front.
Important information
- Mortgage & Secured borrowing risk: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Think carefully before securing other debts against your home.
- Fees: If we charge a fee for our service, we'll tell you the amount and when it becomes payable before you proceed.
- Commission: We may receive a commission from a lender if you go ahead with a product we introduce. On request, we will disclose the amount (or likely amount) of any commission we receive.
- All products are subject to status, eligibility and affordability checks. Lender criteria, rates and terms may change.
- Calls may be recorded for monitoring, training and quality assurance.