Business Details
20 Years
experience
Your Trusted Mortgage Brokers in Rhyl, Wales
Established in 2006, Top Mortgage Solutions has built a reputation for providing tailored mortgage solutions to meet diverse client needs. Our team of experienced advisors works closely with each client from initial consultation through to completion, ensuring continuity and personalised service. We specialise in navigating complex mortgage markets, offering access to exclusive rates from over 60 lenders while maintaining clear, jargon-free communication. Our expertise extends to self-employed applicants, adverse credit cases, and equity release solutions for clients aged 55+.As part of Top Mortgage Solutions Limited, authorised and regulated by the Financial Conduct Authority (FCA 300866), we prioritise transparency and client education. We operate from offices in Rhyl, Wales, and Southampton, Hampshire, serving clients across the UK mainland and Northern Ireland. Our commitment to quality is reflected in our 5.0 Google rating and membership of the Financial Ombudsman Service. We provide comprehensive guidance on mortgage protection insurance through trusted partners while maintaining strict compliance with regulatory requirements.
Services
Home Movers
Remortgage
First Time Buyer
Equity Release
Buy to Let
Adverse Credit
Self-Employed
New Build
Mortgage Protection
Details
- Year established: 2006
Highlights and features
- We have been providing mortgage advice since 2006
- We offer exclusive mortgage interest rates from 60+ lenders
- We specialise in self-employed mortgage products
- We consider applications with adverse credit histories
- We provide lifetime mortgage solutions for over-55s
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Expert mortgage advice
Personalised service
Comprehensive solutions
Highly professional
Support since 2006
Services
Home Movers
We specialise in mortgage solutions for home movers, helping clients navigate complex lender criteria and secure competitive rates. Our advisors consider individual circumstances including tax credits and self-employment status. With access to exclusive rates from over 60 lenders, we provide tailored guidance through every step of the moving process.
Equity Release
We offer lifetime mortgage solutions for clients aged 55+ seeking to release equity from properties valued from 70,000. Our advisors explain tax-free options for using released funds while considering impacts on state benefits and estate value. We provide detailed illustrations of lump sum, drawdown, and interest-only schemes while referring home reversion plans to trusted specialists.
Mortgage Protection
We connect clients with mortgage protection insurance solutions through trusted partners. Our offerings include life insurance, critical illness cover, and income protection plans. While we don't directly provide these products, our partners offer comprehensive coverage options to protect homes and families against financial risks from unemployment, illness, or accidental damage.
Adverse Credit
We specialise in mortgage solutions for clients with adverse credit histories. Our advisors work with lenders who consider individual circumstances beyond credit scores. We provide honest assessments of eligibility and help clients understand requirements to improve their chances of approval while maintaining transparency about potential risks and costs.
Self-Employed
We offer mortgage products tailored for self-employed individuals and contractors. Our advisors understand varying income verification requirements and work with lenders accepting one-year accounts. We provide guidance on documentation needed to demonstrate affordability while helping clients navigate lender-specific criteria for income assessment and tax credit considerations.
Questions
What mortgage services do you offer?
We provide home mover mortgages, remortgaging, equity release, buy-to-let, first-time buyer schemes, adverse credit solutions, and self-employed mortgage products.
Can you help with equity release?
Yes, we offer lifetime mortgage solutions for clients aged 55+ with properties valued from £70,000 across the UK mainland and Northern Ireland.
Do you work with self-employed clients?
Yes, we specialise in self-employed mortgages and work with lenders requiring only one year's accounts rather than the typical three years.
Are you regulated by the FCA?
Yes, we operate under Top Mortgage Solutions Limited, authorised and regulated by the Financial Conduct Authority under number 300866.
What areas do you serve?
We operate from Rhyl (Wales) and Southampton (Hampshire), serving clients across the UK mainland and Northern Ireland.
Can you assist with bad credit mortgages?
Yes, we work with lenders who consider applications from clients with adverse credit histories and provide honest assessments of eligibility.
