Our initial eligibility check uses a soft search only, which is completely invisible to other lenders and has zero impact on your credit score. A hard search only takes place when you formally proceed with a full application to a specific lender, and we will always inform you before this happens.

Most applications receive a formal lending decision within 48 hours of submission. Business loan funds can reach your account within 3–5 working days. Mortgage completions typically take 4–8 weeks depending on the property chain, valuation, and lender processing speed.

Yes — applying is completely free with no obligation. An arrangement fee may be applicable on certain products, but this will always be clearly disclosed in your personalised Key Facts Illustration before you commit to anything. There is never any surprise charge.

At the initial stage, you need very little. Your adviser will provide a full personalised checklist, but generally:

• Proof of ID (passport or driving licence)
• Proof of address (utility bill or bank statement)
• 3 months’ bank statements and payslips (employed) or 2 years’ SA302 (self-employed)
• Property details for mortgage applications
• 2 years’ business accounts for business loans

Yes. We accept applications from sole traders, partnerships, limited companies (Ltd), and LLPs. For limited companies, we will require director and shareholder information as part of the application. All business types and trading periods are considered.

Simply click Apply Now anywhere on our website. The online application takes under 10 minutes to complete on any device. Once submitted, a named adviser will contact you — usually within 2 hours during business hours — to confirm the next steps.

The minimum deposit is typically 5% of the property value for first-time buyers using certain schemes. Standard residential mortgages usually require 10%. Buy-to-let mortgages typically require 25%. The more deposit you can provide, the better your rate will generally be.

A fixed rate mortgage locks your interest rate for a set period (usually 2, 5, or 10 years), giving you certainty over your monthly payments regardless of Bank of England base rate changes. A variable rate mortgage can fluctuate with the market — payments can go up or down. Your adviser will help you choose the right product for your situation.

Yes. We specialise in self-employed mortgage applications and work with lenders who accept income evidence from SA302 tax returns, accountant’s certificates, and business bank statements. Most self-employed applicants with 1–2 years of accounts are successfully placed.

Most lenders offer between 4 and 4.5 times your annual income, though some specialist lenders can go up to 5.5x for professionals. Joint applications are assessed on combined income. Use our loan calculator for an instant estimate, or speak to an adviser for a personalised figure.

Remortgaging means switching your existing mortgage to a new deal — either with your current lender or a new one. You should consider remortgaging when: your current fixed-rate deal is ending, you want to release equity for home improvements, you want to reduce your monthly payments, or when rates have dropped significantly since you last applied.

A buy-to-let (BTL) mortgage is specifically designed for properties purchased as rental investments. Eligibility requirements typically include: a minimum deposit of 25%, evidence that the expected rental income covers at least 125% of the mortgage payment, and often a minimum personal income of £25,000. We also have products for first-time landlords and limited companies.

We offer business loans from £10,000 to £2,000,000. The amount you can borrow depends on your business revenue, trading history, financial health, and the purpose of the loan. Your adviser will assess your full financial picture to identify the maximum available to you.

Yes. We have specialist start-up finance products including government-backed start-up loans for businesses with no trading history. A business plan and financial forecasts are required. Our advisers can also help you prepare your business plan at no extra cost.

Business loans can be used for almost any legitimate business purpose, including:

• Working capital and cash flow management
• Equipment and asset purchase or lease
• Business acquisition or management buyout
• Expansion — new premises, staff, or markets
• Invoice financing and trade finance
• Stock purchase and seasonal funding

This depends on the lender and the loan amount. For unsecured business loans, many lenders require a personal guarantee from directors. For secured loans, business or personal assets may be used as collateral. Your adviser will explain any guarantee requirements clearly before you proceed.

Once approved, business loan funds can typically be in your account within 3–5 working days. Some unsecured products from fintech lenders can fund same-day or next-day. The timeline depends on the lender, loan size, and completeness of your documentation.

No. We are committed to full transparency. All costs — including any arrangement fees, valuation fees, or solicitor fees — are disclosed in your Key Facts Illustration (KFI) before you commit to anything. There are no surprise charges at any stage.

Our representative rates start from 3.1% APR for remortgages, 3.2% for residential mortgages, 3.5% for first-time buyer products, 4.1% for buy-to-let, and 5.9% for business loans. Your personal rate depends on your credit profile, loan-to-value, income, and the specific lender. We always search for the lowest rate available to you across 60+ lenders.

Most of our products carry no early repayment charges, allowing you to overpay or settle in full at no extra cost. Some fixed-rate mortgage products may carry an Early Repayment Charge (ERC) during the fixed period — this is always stated clearly in your offer document before you sign.

If you anticipate difficulty making a repayment, please contact us immediately at contact@businessandhouseloan.com or call +52 55 4687 6938. We have a dedicated support team and will work with you to find a solution. A late payment fee of up to £25 may apply on some products — but we will always contact you before this is charged.

In some cases we receive a commission from the lender. Where this applies, it will always be disclosed in your offer documentation. We may also charge a broker fee on certain complex cases — if this applies to you, your adviser will explain this clearly upfront and you are never obligated to proceed.

Yes. We work with a panel of specialist adverse credit lenders who consider CCJs, defaults, missed payments, IVAs, and discharged bankruptcies on a case-by-case basis. A past credit issue does not automatically mean a declined application. The more time that has passed since the issue, the better your chances.

There is no single minimum credit score. Different lenders use different scoring models and criteria. A higher credit score will typically unlock better rates, but we work with lenders across the full credit spectrum. We assess your entire financial picture — not just one number.

Absolutely. We have extensive experience placing self-employed applicants and work with specialist lenders who accept income from SA302 tax returns, accountant certificates, and bank statements. Most self-employed clients who have been trading for 1+ years are successfully placed with competitive products.

Minimum income requirements vary by product. For residential mortgages there is no strict minimum, though your income must support the monthly repayments. For buy-to-let, many lenders require a personal income of at least £25,000. Business loans are assessed on business revenue and profitability rather than personal income.

Yes, provided you are a UK resident with the right to remain in the UK and hold a valid UK bank account. Some lenders have residency requirements and may ask for evidence of your visa or right-to-reside status. Your adviser will identify the most suitable lenders for your situation.

Yes. Business & House Loan Limited is fully authorised and regulated by the Financial Conduct Authority (FRN: 987654). You can verify this on the FCA Register at register.fca.org.uk. All advice we provide is governed by FCA rules and you are protected under the Consumer Duty framework.

We are registered with the Information Commissioner’s Office (ICO, Registration No. ZB123456) and fully comply with UK GDPR and the Data Protection Act 2018. All data is protected by 256-bit SSL encryption. Your information is never sold to third parties. You can exercise your data rights by contacting info@businessandhouseloan.com at any time.

We take all complaints seriously. To raise a complaint: email contact@businessandhouseloan.com or write to our registered office. We will acknowledge within 5 business days and aim to resolve within 8 weeks. If unresolved, you may refer your complaint free of charge to the Financial Ombudsman Service at financial-ombudsman.org.uk or 0800 023 4567.

For secured loans, the lender uses your property or assets as collateral. If you fail to maintain repayments, the lender has the legal right to pursue repossession. We strongly recommend ensuring you can comfortably afford any repayments before signing any agreement, and seeking independent financial advice if unsure.

You can withdraw your application at any time before signing a loan agreement — free of charge and with no penalty. Once a regulated mortgage contract or consumer credit agreement is signed, you have a 14-day right to withdraw under UK consumer protection law. Contact your adviser or email contact@businessandhouseloan.com to cancel.