PF Financial

Let us find you the perfect Mortgage

Whether you’re a first time buyer, a buy to let landlord, moving house or looking to remortgage, we’re here to help make that process as painless and stress-free as possible. 

  • First time buyer
  • Remortgage
  • Home Mover
  • Buy to let
SOME OF THE LEADING Mortgage Partners
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Mortgage Calculator


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The figure provided in the Mortgage Calculator is an indication of the maximum possible mortgage based on the salary figures you have entered. However, lender criteria varies considerably and this figure could change once your full situation is known. Contact us to discuss this further

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Why Choose Us?

  • A friendly, qualified broker will manage your entire application
  • We'll get you the best possible deal with minimal hassle
  • FREE service as we get paid by the lenders

Helping First Time Buyers

Buying your first home can be stressful, scary even!  It is likely to be a totally new experience for you and the terminology used by lenders, estate agents, solicitors can be baffling. Let us help you every step of the way, on hand to answer your questions and make sure your purchase runs as smoothly as possible. Even before you have found a property it is sensible for you to:

  • Find out how much you can borrow
  • Discover the monthly costs
  • Learn the home buying process including who is responsible for what and when
  • Find out about special schemes such as Help to Buy or Shared Ownership
  • Overcome specialist or complex issues which may affect your borrowing

Making it easy to move home

Moving home is said to be one of life’s most stressful tasks so the decision to do so is not taken lightly. You will usually move because you either want a bigger or smaller property or you just want or need to relocate.

Whatever your reason is let us make the move as stress-free as possible. We can:

  • Inform you of your borrowing capacity
  • Tailor this to your monthly budget
  • Provide accurate details of upfront costs
  • Reassess your insurance needs

Securing the most suitable remortgage deal for you

The refinancing of your current mortgage debt to an alternative lender is called a remortgage. The main reason for doing this is to obtain a new, hopefully better interest rate. Many lenders include the valuation and legal work as part of the deals they offer to make the process as easy as possible.

We can compare the rates available on the open market for which you qualify with the product transfer deals available from your existing lender and calculate which offers the best value.  We will do this without a charge or any obligation. And, we can handle your application on your behalf if you wish to go ahead.

Change of Circumstances

Change can come about through relationship breakdown, redundancy, retirement, death, illness, loss of job or reduction in salary.   Starting a family can have a huge impact on a household’s income.  You may be thinking of moving soon so want a flexible mortgage with no repayment penalties or you may need to temporarily extend the mortgage term whilst you are on a reduced income.  We can help find the deal that suits your lifestyle and demands.

Debt Consolidation

It may help some people to move unsecured debt (loans, credit cards) to mortgage debt. It is not always advisable to consolidate debts onto the mortgage mainly because you will pay more interest over time by switching short term debt onto a longer term.  Additionally, by switching unsecured debt onto a secured basis, you could put your home at risk if you fail to maintain your payments.  However, the reduction in monthly payment can be very attractive and provide a fresh start whilst eliminating the need for further credit in the future.

Capital Raising

Whether you’re looking to fund a home renovation or pay for your child education; remortgaging can be used allow you to raise funds for those expensive one-off costs or purchases.

All remortgage options are subject to lenders criteria so contact us to find out more.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other debits secured on it.

Your existing mortgage lender will have deals available to you to take advantage of when your current deal ends. This is called a product transfer.  But how do you know if what they are offering is competitive or suitable for your current situation?  We can help!  We will ascertain your situation and compare the deals available from your current lender with those available on the open market.

Advising on Buy to Let Mortgages

Whether you are buying an investment property as an individual or a Limited Company, we can help you find the right Buy to Let mortgage deal for you. Buy to Let business has become more complex so receiving high quality advice is more valuable than ever. Lender criteria varies greatly so benefit from our knowledge in this field.

See our Buy to Let guide here

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other debits secured on it.

Mortgages for all situations

We are particularly experienced in finding mortgages for clients with different or unusual circumstances.

Only available on new-build properties, the Government will lend you up to 20% of the property price, which means you will only need a 5% deposit and a 75% mortgage. The equity loan will increase with the property price and repayments are due after 5 years.

If you can’t quite afford the mortgage on 100% of a home, shared ownership offers you the chance to buy a % of the property and pay rent on the remaining share.

If you are a sole trader, contractor, run a limited company or partnership, we can assist you in finding the right mortgage to suit your particular circumstances.

If you’re a director who draws both a salary and takes dividends, we can find the best mortgage rate to suit your circumstances.

Second charge mortgages are loans secured on your home and can offer an alternative to remortgaging.

By linking your mortgage to your savings, you can use your savings balance to reduce the amount of interest charged on your mortgage.

Generally available to first-time buyers looking to take their first step on the property ladder, a mortgage with a guarantor (generally a parent) can be a useful method of purchase.  A guarantor must be prepared to maintain the entire mortgage should the first applicant fail to maintain the payments.

Although still common for BTL mortgages, it has now become increasingly difficult to obtain interest-only for residential mortgages.  However, we still have access to a number of lenders offering this option to applicants with a legitimate repayment vehicle.

This scheme allows most council tenants to buy their council home at a discount.

If you have found your new home, but haven’t sold your current property, a bridging loan is a good short-term funding option.

If you are looking for a mortgage of over £1 million, our team of experienced advisers can help.

If you have 4 or more properties, lenders will put you in the ‘portfolio lending’ category and will assess all your properties based on affordability and rent.

If you’ve defaulted on mortgage payments or other credit arrangements, have CCJs or a low credit rating, getting a mortgage may be difficult, but it’s not impossible.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other debits secured on it

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