Expert Mortgage & Protection Services | UK Mortgage Specialists
At Ernest Henry Mortgages, we specialise in first-time buyer mortgages, home mover mortgages, remortgages, buy-to-let mortgages, and specialist mortgage solutions. As a trusted UK mortgage broker, we provide FCA-regulated mortgage advice and connect clients with the best mortgage rates. We also offer life insurance, income protection, and home insurance to safeguard your financial future. Whether you’re buying a home, remortgaging, or investing in property, our expert advisors ensure you get the most competitive mortgage deals with tailored financial protection solutions. Start your mortgage journey today!
Residential Mortgages UK | Expert Mortgage Advice & Best Rates
At Ernest Henry Mortgages, we specialise in helping first-time buyers secure their first home with tailored mortgage solutions. Our FCA regulated mortgage advisors work with top UK lenders to find the best deals, guiding you through every step of the home-buying journey. So, who are out first-time buyer mortgages tailored for?:
✅ First-Time Buyers – Looking to purchase their first home with expert mortgage advice.
✅ Low Deposit Buyers – Accessing 0%, 1% & 5% deposit and government-backed mortgage schemes.
✅ First Homes Scheme & Shared Ownership Applicants – Navigating government homeownership schemes.
✅ New Build Home Buyers – Securing mortgages tailored for new-build properties.
📞 Contact us today to find the best first-time buyer mortgage deal and take your first step onto the property ladder!
At Ernest Henry Mortgages, we specialise in helping home movers transition smoothly into their next property. Our FCA regulated mortgage advisors secure the best mortgage rates from top UK lenders, ensuring a stress-free move with expert guidance every step of the way. So, who are our homemover mortgages tailored for?:
✅ Current Homeowners – Looking to purchase a new property while selling their existing home.
✅ Upsizers & Downsizers – Moving to a larger or smaller property to fit lifestyle needs.
✅ Porting a Mortgage – Transferring your current mortgage deal to a new home.
✅ Second Home Buyers – Purchasing an additional property for personal use or investment.
📞 Contact us today to secure the best mortgage deal for your home move!
before understanding your full financial situation. Why not trust Ernest Henry Mortgages with your transaction? We are free and available 24/7 including evenings and weekends!
At Ernest Henry Mortgages, we specialise in remortgaging solutions to help homeowners secure better rates, release equity, or consolidate debt. Our expert FCA regulated mortgage advisors work with top UK lenders to find the most suitable remortgage option for your needs. So, who are our mortgage options tailored for?:
✅ Further Advance – Borrow additional funds from your current lender for home improvements or other financial needs.
✅ Capital Raising – Unlock equity from your property for investments, large purchases, or personal expenses.
✅ Debt Consolidation – Combine multiple debts into one manageable mortgage repayment.
✅ Rate Switch – Secure a better interest rate with your current lender to reduce monthly payments.
📞 Contact us today to explore your remortgage options and find the best deal!
at Ernest Henry Mortgages, we understand the challenges self-employed borrowers face when securing a mortgage. Our FCA regulated mortgage advisors work with specialist lenders to help business owners, freelancers, and contractors secure competitive mortgage deals with flexible income assessments. So, who our self-employed mortgages are tailored for?:
✅ Sole Traders & Freelancers – Using tax returns (SA302s) and bank statements to prove income.
✅ Limited Company Directors – Securing mortgages based on salary, dividends, or net profits.
✅ Contractors & Gig Workers – Mortgages tailored to non-traditional employment structures.
✅ Newly Self-Employed – Options available for those with only 1-2 years of accounts.
📞 Contact us today to explore your self-employed mortgage options and secure the best deal!
At Ernest Henry Mortgages, we help clients with bad credit secure specialist mortgage deals tailored to their circumstances. Whether you have CCJs, defaults, late payments, IVA, debt management plans, or bankruptcy history, our FCA regulated mortgage advisors work with specialist lenders to find the best solution for you. So, who our bad credit mortgages are tailored for?:
✅ Applicants with CCJs or Defaults – Mortgage options for those with past missed payments.
✅ Late or Missed Payments – Solutions for those with a history of late credit card or loan payments.
✅ Debt Management Plans (DMPs) & IVAs – Mortgages for clients actively managing their debts.
✅ Previously Bankrupt Applicants – Specialist lenders offering mortgages after discharge.
✅ Low Credit Score Borrowers – Mortgage solutions for clients with poor credit histories.
✅ Self-Employed with Adverse Credit – Flexible mortgage options for business owners with credit issues.
📞 Contact us today to explore your bad credit mortgage options and take the next step toward homeownership!
at Ernest Henry Mortgages, we provide expert mortgage solutions for expats and foreign nationals looking to purchase property in the UK. Whether you’re a British citizen living abroad, a non-UK resident or non-UK National, or an international investor, we work with specialist lenders to secure the best mortgage deals tailored to your circumstances. So, who our Expat & Foreign National mortgages are tailored for?:
✅ British Expats – UK mortgages for citizens living and working overseas.
✅ Foreign Nationals Residing in the UK – Mortgage options for visa holders and non-UK passport holders.
✅ International Investors – Buy-to-let and residential mortgages for overseas property investors.
✅ Non-UK Residents – Mortgage solutions for those without UK residency or credit history.
✅ Contractors & Self-Employed Expats – Flexible lending criteria for business owners and freelancers abroad.
✅ Expats with Foreign Income – Mortgages for applicants earning in a foreign currency.
📞 Contact us today for expert guidance on securing a UK mortgage as an expat or foreign national!
At Ernest Henry Mortgages, we specialise in high net worth mortgages, providing tailored lending solutions for clients with complex financial situations. Whether you have significant assets, a high income, or a unique financial structure, we work with private banks and specialist lenders to secure exclusive mortgage deals with competitive rates and flexible terms. So, who our High Net Worth mortgages are tailored for?:
✅ High-Earning Professionals – Including business owners, CEOs, legal professionals, doctors, and executives.
✅ Entrepreneurs & Business Owners – Mortgages based on retained profits and business earnings.
✅ Property Investors & Portfolio Landlords – Access to exclusive lending for multiple properties.
✅ Self-Employed High Earners – Bespoke mortgage options with flexible income assessments.
✅ Private Bank Clients – Exclusive lending terms through high-net-worth mortgage providers.
✅ Bonus & Commission-Based Earners – Mortgage solutions for those with variable income structures.
📞 Contact us today for expert advice on securing a high net worth mortgage tailored to your unique financial profile!
"Trust, Loyalty & Consistency"
Buy-to-Let Mortgages UK | Expert Solutions for Landlords & Investors
At Ernest Henry Mortgages, we specialise in standard buy-to-let mortgages, offering expert guidance to landlords looking to invest in UK rental properties. Whether you’re a first-time landlord or a seasoned property investor, we help secure the most competitive mortgage rates and terms. So, who our standard buy-to-let mortgages are tailored for?:
✅ First-Time Landlords – Looking to invest in their first rental property.
✅ Experienced Investors – Expanding their buy-to-let portfolio.
✅ Employed & Self-Employed Applicants – Flexible lending criteria for all income types.
✅ UK Residents & Expats – Mortgage options for UK-based and overseas investors.
✅ Individuals & Limited Companies – Financing options for personal and business property ownership.
Key Features of a Standard Buy-to-Let Mortgage:
✔️ Interest-Only or Repayment Options – Choose the best structure for your investment.
✔️ Competitive Interest Rates – Access leading lenders for the best deals.
✔️ Rental Income-Based Lending – Mortgage eligibility based on projected rental yield.
✔️ Flexible Deposit Requirements – Typically from 20-25% deposit.
📞 Contact us today for expert advice on securing a buy-to-let mortgage tailored to your needs!
At Ernest Henry Mortgages, we specialise in portfolio landlord mortgages, helping property investors secure the best financing for multiple rental properties. Whether you own four or more properties or are looking to expand your portfolio, we work with specialist lenders to find tailored mortgage solutions that maximise your returns. So, who our portfolio landlord mortgages are for?:
✅ Landlords with 4+ Properties – Defined as portfolio landlords under FCA rules.
✅ Expanding Property Investors – Looking to grow their rental portfolio efficiently.
✅ Professional & Full-Time Landlords – Financing tailored for rental income-based strategies.
✅ Limited Company Landlords – Tax-efficient mortgage options for SPV (Special Purpose Vehicle) structures.
✅ Expat & Overseas Investors – Buy-to-let mortgage solutions for UK property investment from abroad.
Key Features of Portfolio
Landlord Mortgages:
✔️ Single or Multi-Property Mortgages – Finance multiple properties under one mortgage or separate loans.
✔️ Rental Income-Based Lending – Mortgage affordability assessed on total portfolio rental yield.
✔️ Flexible Interest-Only & Repayment Options – Manage your cash flow efficiently.
✔️ Higher Loan-to-Value (LTV) Options – Lenders offering up to 80% LTV in some cases.
✔️ Specialist Underwriting – Consideration of overall property portfolio and financial situation.
📞 Contact us today for expert guidance on securing the best portfolio landlord mortgage for your investments!
At Ernest Henry Mortgages, we help landlords and property investors secure limited company buy-to-let mortgages, offering a tax-efficient way to expand their rental portfolio. Investing through a Special Purpose Vehicle (SPV) or trading limited company can provide financial benefits and long-term growth opportunities. So, who our Limited Company buy-to-let mortgages are tailored for?:
✅ Property Investors Seeking Tax Efficiency – Potential benefits from corporation tax vs. personal tax rates. *Please note we do not provide tax advice.
✅ Landlords Growing a Portfolio – Ideal for investors looking to scale their rental property business.
✅ New & Experienced Landlords – Options available for both first-time and seasoned investors.
✅ Higher-Rate Taxpayers – Potentially more tax-efficient than personal ownership.
✅ SPV & Trading Limited Companies – Mortgage lenders specialising in corporate structures.
Key Features of Limited Company Buy-to-Let Mortgages:
✔️ Potential Tax Benefits – Mortgage interest tax relief for company-owned properties.
✔️ Higher Loan Amounts – Lenders assess affordability based on rental income rather than personal income.
✔️ Competitive Interest Rates – Specialist lenders offering competitive deals.
✔️ Options for New & Existing Companies – SPVs and trading companies considered.
✔️ Flexible Lending Criteria – Some lenders accept newly formed limited companies with no trading history.
📞 Contact us today for expert guidance on securing a limited company buy-to-let mortgage that fits your investment strategy!
At Ernest Henry Mortgages, we help landlords secure HMO mortgages, designed for properties rented to multiple tenants from different households. Whether you’re an experienced investor or new to Houses in Multiple Occupation (HMO), we work with specialist lenders to find the best financing solutions for maximising rental yields. So, who our HMO mortgages are tailored for?:
✅ Professional Landlords – Looking to increase rental income with multiple tenants.
✅ New & Experienced HMO Investors – Mortgage solutions for first-time and seasoned landlords.
✅ Limited Company Investors – Tax-efficient financing options for SPV and trading limited companies.
✅ Student & Professional Let Investors – Properties rented to students, young professionals, or corporate tenants.
✅ Portfolio Landlords – Expanding buy-to-let portfolios with high-yielding HMO properties.
Key Features of HMO Mortgages:
✔️ Higher Rental Yields – Multi-tenant properties generate greater income than standard buy-to-lets.
✔️ Specialist Lenders & Criteria – Some lenders require prior landlord experience, others accept first-time HMO investors.
✔️ Higher Loan-to-Value (LTV) Options – Up to 75-80% LTV available.
✔️ Flexible Property Sizes – Mortgages available for small (3-5 occupants) and large (6+ occupants) HMOs.
✔️ Licensing & Regulation Compliance – Assistance in finding lenders who cater to licensed and non-licensed HMOs.
📞 Contact us today for expert guidance on securing an HMO mortgage to maximise your rental investment returns!
At Ernest Henry Mortgages, we specialise in holiday let mortgages, helping landlords and investors secure financing for short-term rental properties across the UK. Whether you’re purchasing a holiday home for personal use or looking to generate income from platforms like Airbnb, Vrbo, and Booking.com, we work with specialist lenders to find the best mortgage solutions. So, who our holiday let mortgages are tailored for?:
✅ Property Investors – Looking to generate higher rental yields from short-term lets.
✅ Second Home Buyers – Purchasing a holiday home with the option to rent it out.
✅ First-Time Holiday Let Investors – Lenders available for new entrants to the market.
✅ Experienced Landlords – Expanding portfolios into the lucrative holiday rental sector.
✅ Limited Company Buyers – Tax-efficient financing options available for SPV structures.
Key Features of Holiday Let Mortgages:
✔️ Higher Income Potential – Short-term lets can generate more income than traditional rentals.
✔️ Flexible Affordability Criteria – Some lenders assess income based on projected seasonal earnings.
✔️ Options for UK & Overseas Borrowers – Mortgages available for UK residents, expats, and foreign nationals.
✔️ Specialist Lenders – Competitive rates tailored for holiday rental properties.
✔️ Multi-Use Property Finance – Some lenders allow a mix of personal use and rental income.
📞 Contact us today for expert guidance on securing a holiday let mortgage and making the most of your investment!
At Ernest Henry Mortgages, we specialise in student let mortgages, helping landlords secure financing for properties rented to university students. With consistent demand in university cities, student lets can offer higher rental yields than standard buy-to-let properties. Whether you’re a new investor or expanding your portfolio, we work with specialist lenders to find the best deals. So, who our student buy-to-let mortgages are tailored for?:
✅ Buy-to-Let Landlords – Investing in high-demand student accommodation.
✅ HMO Landlords – Letting to multiple tenants under one roof.
✅ Portfolio Investors – Expanding into the student rental market.
✅ Limited Company Landlords – Tax-efficient mortgage options available.
✅ First-Time Student Let Investors – Lenders available for those new to student rentals.
Key Features of Student Let Mortgages:
✔️ Higher Rental Yields – Multiple tenants paying per room boosts income.
✔️ Specialist Lenders – Some lenders require prior landlord experience; others accept first-time student let investors.
✔️ Flexible Property Types – Mortgages available for HMOs, shared houses, and purpose-built student flats.
✔️ HMO Licensing Support – Guidance on local authority licensing requirements.
✔️ Long-Term Investment Security – Consistent rental demand in university cities.
📞 Contact us today for expert guidance on securing a student let mortgage and maximising your rental income!
"Trust, Loyalty & Consistency"
Life Protection for Mortgages | Financial Security for Your Loved Ones
At Ernest Henry Mortgages, we understand that your mortgage is one of your biggest financial commitments. Life insurance ensures that your loved ones can remain in their home without financial stress if you pass away.
Life insurance pays out a tax-free lump sum to your family if you pass away during the policy term. This can be used to pay off the mortgage, cover living expenses, and provide long-term financial security. So, what are the different types?:
✅ Level Term Life Insurance – Pays a fixed lump sum if you pass away within a set term, ideal for interest-only mortgages.
✅ Decreasing Term Life Insurance – Designed for repayment mortgages, with the payout decreasing as your mortgage balance reduces.
✅ Whole of Life Insurance – Guarantees a payout whenever you pass away, ensuring lifelong financial protection for your family.
✅ Family Income Benefit – Instead of a lump sum, provides a regular income to cover mortgage payments and household expenses.
✅ Trusts – Helps ensure life insurance payouts go directly to your chosen beneficiaries, avoiding inheritance tax and probate delays.
💡 Why Life Insurance Matters:
- Ensures your family stays in their home if the unexpected happens.
- Covers outstanding mortgage debt to prevent financial hardship.
- Provides peace of mind that your loved ones are protected.
- Can be arranged tax-efficiently with a trust to avoid delays.
📞 Contact Ernest Henry Mortgages today to discuss the best life insurance policy for your mortgage and family’s future!
At Ernest Henry Mortgages, we know that a serious illness can have a devastating impact on your finances. Critical Illness Cover (CIC) and Serious Illness Cover provide a tax-free lump sum if you’re diagnosed with a covered medical condition, helping you manage mortgage payments, treatment costs, and daily expenses without financial stress.
Critical Illness Cover pays out a one-time lump sum if you are diagnosed with a specified serious illness such as cancer, heart attack, or stroke. This money can be used to:
✔️ Pay off or reduce your mortgage balance
✔️ Cover medical treatments & recovery costs
✔️ Replace lost income while unable to work
✔️ Support your family’s living expenses
Serious Illness Cover offers broader protection, paying out a percentage of the sum insured based on the severity of the condition, meaning you can claim multiple times if needed. So, why get Serious Illness Cover or Critical Illness Cover?:
✅ Protect your home – Avoid missing mortgage payments due to illness
✅ Financial security – A lump sum to cover costs while you recover
✅ Comprehensive cover – Includes conditions like cancer, heart disease, MS, and strokes
✅ Flexible payout options – Serious Illness Cover can provide multiple payouts over time
📞 Contact Ernest Henry Mortgages today to secure the right Critical Illness Cover and protect your mortgage, health, and financial future!
At Ernest Henry Mortgages, we know that an unexpected illness or injury can leave you unable to work, making it difficult to keep up with mortgage payments and household expenses. Income Protection Benefit provides a regular, tax-free income if you’re unable to work due to illness or injury, ensuring financial stability until you can return.
Income Protection pays a monthly benefit (usually up to 60-70% of your income) if you can’t work due to a long-term illness or disability. Unlike Critical Illness Cover, which pays a lump sum for specific conditions, Income Protection provides ongoing financial support until you recover or reach retirement age.
✅ Pays your mortgage & bills if you’re unable to work
✅ Covers long-term illnesses & disabilities—not just critical conditions
✅ Tax-free monthly income—paid until recovery, retirement, or the policy term ends
✅ Flexible waiting periods—choose how soon payments begin (e.g., after sick pay ends)
✅ Essential for self-employed workers with no employer sick pay
💡 Did You Know?
🚫 Statutory Sick Pay (SSP) is just £116.75 per week (2024 rate)—far less than most mortgage payments!
🏠 Income Protection helps you stay in your home without financial stress during difficult times.
📞 Contact Ernest Henry Mortgages today to discuss the best Income Protection policy and secure your financial future!
At Ernest Henry Mortgages, we help ensure that your life insurance payout reaches your loved ones quickly and tax-efficiently by placing it in a trust. A trust is a legal arrangement that ensures your insurance payout is distributed according to your wishes, avoiding delays, inheritance tax, and probate issues.
✅ Avoids Probate Delays – Funds are paid directly to beneficiaries, often within weeks
✅ Inheritance Tax Benefits – Payouts are outside your estate, avoiding inheritance tax * we do not provide tax advice
✅ Control Over Who Receives the Money – Name your chosen beneficiaries
✅ Protects Mortgage & Family Finances – Ensures funds go straight to your loved ones when needed
✔️ Bare Trust – Pays directly to beneficiaries (ideal for simple arrangements)
✔️ Discretionary Trust – Trustees manage and distribute funds as needed
✔️ Split Trust – Useful when combining life cover and critical illness cover
💡 Did You Know?
🚫 Without a trust, life insurance payouts can take months to process due to probate delays
🏠 Your mortgage and family’s future could be at risk without proper financial planning
📞 Speak to Ernest Henry Mortgages today to set up your life insurance in trust and protect your family’s financial future!
At Ernest Henry Mortgages, we understand that businesses face financial risks if a key person, business partner, or shareholder becomes critically ill or passes away. Business Protection ensures financial stability, allowing your company to continue operating without disruption.
✅ Protects Business Continuity – Ensures operations continue smoothly after the loss of a key individual
✅ Prevents Financial Strain – Provides a lump sum payout to cover lost revenue, debt, or recruitment costs
✅ Safeguards Ownership – Helps remaining partners retain control of the business
✅ Reassures Employees & Investors – Shows financial planning and long-term security
✔️ Key Person Insurance – Protects against financial loss if a key employee or director passes away or is critically ill
✔️ Shareholder Protection – Ensures surviving business partners can buy the deceased shareholder’s shares
✔️ Relevant Life Plans – Tax-efficient life insurance for employees, with no impact on personal tax allowances
✔️ Business Loan Protection – Covers outstanding business loans if an owner or key employee passes away
💡 Did You Know?
📉 60% of small businesses would struggle to survive if they lost a key employee or director unexpectedly
🏢 Business Protection ensures your company remains financially secure in unforeseen circumstances
📞 Contact Ernest Henry Mortgages today to discuss tailored Business Protection solutions for your company’s future stability!
A Relevant Life Plan is a tax-efficient life insurance policy designed for business owners, directors, and employees, offering valuable financial protection while reducing tax liabilities. At Ernest Henry Mortgages, we help businesses set up Relevant Life Plans to protect their employees and their families.
✅ Tax-Efficient – Premiums are usually tax-deductible for businesses
✅ No Benefit-in-Kind Tax – Unlike standard life insurance, employees don’t pay tax on premiums
✅ Protects Employees & Their Families – Provides a lump sum payout if the insured person passes away
✅ Retain & Attract Top Talent – An attractive employee benefit for directors and staff
✅ Avoids Inheritance Tax – Payouts go to beneficiaries outside the estate, reducing tax burdens
✔️ Limited Company Directors – Ideal for those wanting life cover without using personal income
✔️ Employees of Small Businesses – A great alternative to group life schemes for SMEs
✔️ High Earners – Does not affect pension lifetime allowance, making it tax-efficient
💡 Did You Know?
📊 Relevant Life Plans are corporation tax-deductible, potentially saving businesses thousands in tax
🏢 Many small business owners don’t realise they can fund life insurance through their company instead of personally
📞 Speak to Ernest Henry Mortgages today to see how a Relevant Life Plan can benefit your business and employees!
"Trust, Loyalty & Consistency"
General Insurance | Protecting Your Home, Assets & Peace of Mind
Buildings Insurance is a vital safeguard for homeowners, landlords, and property investors, ensuring your property is protected against unexpected damage. At Ernest Henry Mortgages, we help you find the right policy to meet your needs and your mortgage lender’s requirements.
✅ Structural Damage – Covers repairs to the property’s structure, including walls, roofs, and foundations
✅ Fire & Flood Protection – Financial cover for damage caused by fires, storms, or floods
✅ Theft & Vandalism – Repairs for damage caused by burglary or malicious acts
✅ Subsidence & Natural Disasters – Protects against movement in the ground that affects your home’s foundation
✅ Alternative Accommodation – Covers temporary housing costs if your home becomes uninhabitable due to damage
✔️ Homeowners – Essential for protecting your biggest financial investment
✔️ Landlords – Required to protect rental properties from potential risks
✔️ Mortgage Borrowers – Most lenders require buildings insurance as a condition of the mortgage
✔️ Leaseholders – Some lease agreements mandate individual buildings cover
💡 Did You Know?
📑 Most mortgage lenders require buildings insurance before completion
💰 Having the right cover ensures you won’t face huge repair costs out of pocket
📞 Contact Ernest Henry Mortgages today to arrange the right Buildings Insurance policy for your property!
Your home is more than just bricks and mortar—it’s filled with valuables, memories, and essentials. Contents Insurance ensures that your personal belongings are covered against loss, theft, or damage. At Ernest Henry Mortgages, we help homeowners, tenants, and landlords secure the right protection for their possessions.
✅ Theft & Burglary – Replaces stolen items such as electronics, jewellery, and furniture
✅ Fire & Flood Damage – Protects against loss due to unexpected disasters
✅ Accidental Damage – Covers repairs or replacements for broken items
✅ Personal Possessions Cover – Extends protection to items taken outside the home (e.g., laptops, mobile phones)
✅ High-Value Items – Additional cover for expensive belongings such as watches and artwork
✔️ Homeowners – Protects furniture, appliances, and personal belongings
✔️ Renters – Covers valuables that aren’t protected under a landlord’s insurance
✔️ Landlords (Furnished Properties) – Ensures rental furniture and appliances are protected
✔️ Students & Shared Accommodation Tenants – Covers personal items in shared living spaces
💡 Did You Know?
📑 Some insurers offer new-for-old replacements, meaning damaged items are replaced with brand-new versions.
🔑 You can combine Contents & Buildings Insurance for complete home protection.
📞 Contact Ernest Henry Mortgages today to secure the best Contents Insurance policy for your needs!
Being a landlord comes with risks, from property damage to tenant disputes. Landlord Insurance provides vital cover, ensuring your investment property and rental income are protected against unexpected costs. At Ernest Henry Mortgages, we help landlords secure tailored policies for maximum peace of mind.
✅ Buildings Insurance – Covers structural damage from fire, floods, and subsidence
✅ Contents Insurance (Furnished Properties) – Protects furniture, appliances, and fixtures in rental homes
✅ Loss of Rent Cover – Provides income protection if tenants are unable to pay due to property damage
✅ Tenant Damage Protection – Covers accidental or malicious damage caused by tenants
✅ Landlord Liability Insurance – Protects against legal claims from tenants or visitors injured on your property
✅ Emergency Assistance – Covers urgent repairs for boilers, plumbing, and electrical faults
✔️ Buy-to-Let Investors – Protects against financial losses on rental properties
✔️ Portfolio Landlords – Tailored policies for multiple property investments
✔️ Furnished Property Owners – Covers rental furniture and appliances
✔️ Holiday Let Owners – Provides protection for short-term rentals and Airbnb properties
💡 Did You Know?
📑 Standard home insurance won’t cover rental properties—landlord insurance is required to ensure full protection.
💰 Legal Expenses Cover can help with eviction costs and disputes with tenants.
📞 Contact Ernest Henry Mortgages today to find the right Landlord Insurance policy for your rental property!
"Trust, Loyalty & Consistency"
Additional Mortgage Services | Expert Support for Your Home & Financial Future
✅ Assess Your Affordability – Understand your income, expenses & borrowing power before applying for a mortgage.
✅ Plan Monthly Repayments – Calculate how much you’ll pay each month & ensure long-term financial stability.
✅ Factor in Additional Costs – Budget for solicitor fees, stamp duty, surveys & moving expenses.
✅ Emergency Fund Preparation – Plan for unexpected costs, such as repairs or financial changes.
✅ Improve Mortgage Eligibility – Reduce debts, boost your credit score & strengthen your financial profile.
✅ Protect Your Investment – Consider life insurance, income protection & critical illness cover for financial security.
✅ Remortgaging & Overpayments – Explore options to save money & reduce mortgage term with overpayments.
📞 Contact Ernest Henry Mortgages today for expert budget planning & mortgage advice!
At Ernest Henry Mortgages, we connect you with trusted UK specialist lenders offering tailored finance solutions for property investors, landlords, and business owners.
✅ Bridging Finance – Fast, short-term property loans for auctions, renovations & chain breaks.
✅ Commercial Finance – Funding for business premises, investment properties & commercial expansions.
✅ Development Finance – Structured finance for new builds, refurbishments & large-scale projects.
✅ Second Charge Loans – Secure additional borrowing against your existing mortgage.
✅ Business Finance – Cash flow solutions, asset finance & working capital for UK businesses.
✅ Complex Buy-to-Let Mortgages – Specialist lending for portfolio landlords, HMO properties & limited company investors.
📞 Contact us today for expert referrals to the UK’s leading specialist finance lenders!
*Please note we do not advise or arrange these services ourselves, however we work closely with various business’s that can provide you with these solutions. Please contact us to understand more.
At Ernest Henry Mortgages, we refer you to trusted UK estate planning specialists who provide expert guidance on securing your financial future and protecting your loved ones.
✅ Will Writing Services – Ensure your assets are distributed according to your wishes.
✅ Estate Planning – Minimise inheritance tax and maximise the value of your estate.
✅ Trust Planning – Protect assets for future generations and avoid probate delays.
✅ Lasting Power of Attorney (LPA) – Appoint someone to manage your affairs if needed.
✅ Probate Assistance – Expert support in managing and settling estates efficiently.
📞 Contact us today for a referral to a trusted estate planning professional!
*Please note we do not advise or arrange these services ourselves, however we work closely with various business’s that can provide you with these solutions. Please contact us to understand more. Wills are not usually regulated by The Financial Conduct Authority and are arranged by introduction only!
At Ernest Henry Mortgages, we refer you to trusted UK financial specialists who provide expert guidance on investments and pensions to help you build long-term financial security.
✅ Pension Planning – Maximise your retirement savings with tailored pension solutions.
✅ Investment Advice – Explore tax-efficient investment options to grow your wealth.
✅ Retirement Income Strategies – Ensure a stable and sustainable income in later life.
✅ Self-Invested Personal Pensions (SIPPs) – Flexible pension options for hands-on investors.
✅ Inheritance Tax Planning – Minimise tax liabilities and protect your estate for future generations.
📞 Get in touch today for a referral to a specialist pensions and investment adviser!
*Please note we do not advise or arrange these services ourselves, however we work closely with various business’s that can provide you with these solutions. Please contact us to understand more. Investments & Pensions are arranged by introduction only via Viva Retirement Solutions.
At Ernest Henry Mortgages, we refer you to trusted UK solicitors and conveyancers to ensure a smooth, stress-free property transaction. Whether you’re buying, selling, or remortgaging, we connect you with experienced legal professionals who handle everything efficiently.
✅ Residential & Buy-to-Let Conveyancing – Seamless legal support for homebuyers, investors & landlords.
✅ Remortgage Conveyancing – Hassle-free legal assistance when switching lenders.
✅ Transfer of Equity – Legal services for changing property ownership.
✅ Specialist Property Legal Services – Right to Buy, Shared Ownership & Help to Buy schemes.
✅ Fast-Track Conveyancing – Expedited legal processing for time-sensitive transactions.
📑 We can also provide conveyancing illustrations to help you understand costs upfront.
📞 Contact us today for a referral to a reliable property solicitor or conveyancer!
*Please note we do not advise or arrange these services ourselves, however we work closely with various business’s that can provide you with these solutions. Please contact us to understand more.
"Trust, Loyalty & Consistency"
Get Started With Ernest Henry Mortgages
Book your free bespoke consultation now with a member of The Ernest Henry Family below or you can alternatively get the process underway by registering here.
Disclosures
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
AS WITH ALL INSURANCE POLICIES, CONDITIONS & EXCLUSIONS APPLY
SOME BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY
*PENSIONS, INVESTMENTS, WILL WRITING & ESTATE PLANNING, SPECIALIST LENDING AND EQUITY RELEASE* WE DO NOT ARRANGE THESE SERVICES OURSELVES, WE DO HOWEVER WORK WITH COMPANIES THAT CAN SUPPORT YOU WITH PENSION ADVICE, INVESTMENT ADVICE, WILL WRITING SUPPORT & ESTATE PLANNING ADVICE, SPECIALIST LENDING AND EQUITY RELEASE. WILLS ARE NOT USUALLY REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
YOU MAY HAVE TO PAY AN EARLY REDEMPTION CHARGE TO YOUR EXISTING LENDER IF YOU REMORTGAGE.