Business Details
Your Trusted Mortgage Broker in Nottingham
Elems was established to simplify the mortgage process for clients across Nottingham and the wider Midlands. Our team of specialist mortgage brokers, led by experienced advisor Ivan Whitelocks, provides expert, jargon-free advice tailored to individual circumstances. We prioritise accessibility, meeting clients at their homes or workplaces during evenings and weekends to accommodate busy schedules. Our transparent approach ensures all information is explained clearly, without industry jargon, while our personalised service focuses on understanding clients' unique financial situations and future goals. As independent brokers, we access thousands of mortgage products from a diverse panel of lenders, offering competitive rates and solutions that may not be available directly to the public.Beyond mortgages, we provide guidance on related products such as life insurance, critical illness cover, and income protection. Our credentials include being an appointed representative of PRIMIS Mortgage Network, authorised and regulated by the Financial Conduct Authority, ensuring clients work with a reputable, regulated firm. We pride ourselves on building long-term relationships and offering ongoing support throughout clients' property journeys, transforming what could be a stressful experience into a straightforward, manageable process.
Services
Buy to Let Mortgages
First Time Buyer Mortgages
Remortgaging
Mortgage Protection
Specialist Mortgages
Highlights and features
- We offer over a decade of experience in mortgage advisory services
- Our team provides flexible appointments outside standard office hours
- We access thousands of mortgage products from 90+ lenders
- Our fee-free initial consultations come with no obligation
- We provide ongoing support beyond mortgage completion
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Really helpful
Knowledgeable advisors
Stress-free process
Outstanding service
Services
Buy to Let Mortgages
We specialise in buy-to-let mortgages for property investors, offering competitive rates and tailored solutions. Our expertise includes portfolio landlord mortgages and specialist products for complex cases. With access to exclusive deals unavailable on the high street, we help investors maximise returns while navigating strict lender criteria for portfolios of four or more properties.
First Time Buyer Mortgages
Our first-time buyer service helps new entrants access the property market with 5% deposit options and government-backed schemes. We explain Help to Buy ISAs, equity loans, and shared ownership arrangements while securing competitive rates. Our advisors simplify complex mortgage terminology for clients purchasing their first home.
Remortgaging
We help homeowners remortgage to secure better rates, release equity, or consolidate debts. Our process includes assessing current deals, identifying savings opportunities, and managing the transition to new lenders. We specialise in complex remortgaging cases involving changing financial circumstances.
Mortgage Protection
We provide comprehensive mortgage protection solutions including life insurance, critical illness cover, and income protection. Our advisors ensure clients maintain appropriate coverage that evolves with changing life circumstances, protecting both borrowers and their families against unforeseen events.
Specialist Mortgages
Our specialist mortgage service caters to non-standard cases including bad credit histories, self-employment, and foster carers. We access niche products designed for applicants who don't meet traditional lender criteria, providing tailored solutions for complex financial situations and unique income structures.
People
Ivan Whitelocks
Mortgage Advisor
Ivan brings over a decade of mortgage advisory experience to Elems. He specialises in guiding clients through complex mortgage decisions with clear, jargon-free advice. His approach focuses on long-term client relationships and stress-free property transactions.
Questions
What mortgage types do you offer?
We offer fixed-rate, tracker, discount, buy-to-let, 95% LTV, guarantor, and offset mortgages, along with specialist products for unique circumstances.
How does your mortgage process work?
Our process includes initial consultation, financial analysis, product research, mortgage application, and ongoing support throughout the entire process.
Do you charge fees for your services?
We offer free initial consultations with fees discussed and agreed upfront before any work commences, based on your specific circumstances.
Can you help with bad credit mortgages?
Yes, we specialise in finding mortgage solutions for clients with adverse credit histories through our panel of specialist lenders.
Do you offer evening and weekend appointments?
Yes, we provide flexible appointments at times that suit your schedule, including evenings and weekends.
Are you regulated by the Financial Conduct Authority?
Yes, we operate as an appointed representative of PRIMIS Mortgage Network, which is authorised and regulated by the Financial Conduct Authority.
