Expert Mortgage & Finance Solutions
With access to over 150 lenders, including Private Banks and Specialist Institutions, we know how to source the most credible solutions to secure the funding you need. Our brokers are among the most talented in the industry, and they know exactly what clients and lenders need.
Frequently Asked Questions
A mortgage broker acts as an intermediary between you and potential lenders. We provide expert advice, access to exclusive deals, and help you navigate complex financial scenarios to secure the most suitable mortgage solution.
A whole-of-market broker, like ERG Finance, has access to a wide range of lenders, including Private Banks and Specialist Lenders. A tied broker is limited to offering products from a single lender or a small selection.
We specialize in residential mortgages, high-net-worth (HNW) mortgages, self-build finance, bridging finance, buy-to-let, development finance, and commercial finance.
Yes. We have extensive experience working with clients who have complex income streams, including business owners, company directors, and those with multiple income sources.
This depends on various factors, including your income, credit profile, existing liabilities, and the value of the property. We conduct an in-depth assessment to determine your borrowing capacity. Within 10 minutes of an initial consultation, we can provide a rough guide on what we think you could secure.
Our strong relationships with Private Banks and Specialist Lenders allow us to present your case effectively, ensuring you have access to bespoke lending solutions not available on the open market.
The timeline can vary based on the complexity of the case and the lender's requirements. Standard applications can take a few weeks, while complex cases may take longer. We manage the process from start to finish to ensure timely outcomes.
Typically, you'll need proof of identity, income (payslips, accounts, or tax returns), bank statements, and details of your assets and liabilities. We’ll guide you through the requirements specific to your case.
Absolutely. Whether you're looking to release equity, secure a better rate, or adjust your mortgage terms, we can provide strategic advice and access competitive options.
If you are truly whole-of-market, you simply cannot be a "fee-free" broker. A handful of lenders don't pay brokers' fees, and it would be poor advice to ignore them. As part of our research, we speak to all lenders to ensure you receive the best possible advice.
When we present mortgage terms, we clearly annotate the fee structure associated with the deal. Should you be happy with the fee structure, we will proceed with the application process.
We believe in transparency and clarity, ensuring you understand all costs associated with securing your mortgage.
We handle all client information with the utmost discretion and adhere to strict data protection regulations. Confidentiality is paramount, especially when dealing with high-net-worth individuals.
Yes, our deep understanding of the property market means we can provide strategic advice for property investors, including buy-to-let, development, and commercial investments.
ERG Private Finance Ltd - trading as ERG Finance is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority: FCA Number 460421. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority.