Mortgage advice for different people and circumstances.
At Cloud Mortgage Services, we understand that not every mortgage application fits a standard profile.
We work with
First-time buyers and home movers
Remortgages and landlords
Self-employed and business owners
Credit difficulties and complex cases
WHO DO WE HELP?
We work with a broad range of clients
First-time buyers
Buying your first home can feel overwhelming. We help you understand deposits, affordability, mortgage products and the steps involved in purchasing a property.
Home movers
Whether you’re moving to a larger home, downsizing or relocating, we can help you explore your mortgage options and understand the financial implications of moving.
Homeowners looking to remortgage
If your existing mortgage deal is coming to an end, or you’re considering refinancing, we can review available options and explain the costs and implications of making changes.
Self-employed applicants & business owners
Mortgage affordability can be assessed differently depending on your employment structure and the lender’s criteria. We work with sole traders, company directors, contractors and business owners whose income may involve salary, dividends, business profits or other income sources.
Applicants with historic credit difficulties
Previous missed payments, defaults, County Court Judgments or other credit issues can affect mortgage availability. We can review your circumstances and explore whether suitable lenders may be willing to consider an application. Lending is not guaranteed and will depend on the nature of the credit history and the lender’s assessment.
Foreign nationals & applicants with residency considerations
Nationality, immigration status, residency history and overseas income may affect mortgage eligibility. We can help applicants understand how different lenders may assess their circumstances, subject to relevant criteria.
Buy-to-let investors & portfolio landlords
We assist clients considering investment property purchases, refinancing existing properties and managing mortgage arrangements across property portfolios.
Limited company property investors
For clients considering property investment through a limited company, we can explain relevant mortgage options and lending considerations. Independent tax and legal advice may also be necessary.
Property developers & complex property transactions
Some property purchases or development projects require specialist finance rather than a conventional residential mortgage. We can help you explore relevant options within our available services and permissions, including specialist referral arrangements where appropriate.
High-net-worth clients
Clients with substantial assets, multiple income sources, business interests or more complex financial arrangements may require additional consideration when arranging property finance. We take time to understand the wider circumstances and identify potentially suitable solutions.
Whatever your circumstances, our starting point is the same: understanding your needs and assessing the options available to you.
Tell us about your circumstances
It starts with a few questions and a free conversation.
Your home may be repossessed if you do not keep up repayments on your mortgage.