Expert Mortgage Advice, Tailored to You
- Independent Advice
- Exclusive Products Available
- Access to Competitive Rates
Speak to us today about the most suitable options for you.
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At Fifty Nine Financial, we provide clear, expert mortgage guidance designed around your individual needs. Whether you’re a first-time buyer, looking to remortgage, or investing in property, our specialist brokers help you navigate the market with confidence. Our service is personal, professional, and available nationwide.
Our Services Summary
Residential Mortgages
Buy-to-Let & Investment Mortgages
- Single and portfolio landlords
- Multi-let and refurbishment finance
- Interest-only and repayment options
Commercial Finance
- Healthcare Finance Specialist – Dentists, Pharmacists, & GPs
- Commercial property purchases & refinancing
- Unsecured Business loans
- Invoice Finance
- Bridging loans and development funding
Self-Employed & Company Director Mortgages
- Specialist support with Limited Company Director income
- Dividend and net profit-based lending solutions
- Sole-traders
- Contractors
Specialist Cases
- Adverse credit cases (CCJs, defaults, missed payments)
- Bankruptcies, IVAs, and Debt Management Plans (DMP)
- Short trading history and minimal deposit scenarios
How We Work
Free Initial Consultation
We start by understanding your goals and financial situation. We help all of our clients around the UK remotely. Even those living local to us in Derby. This means we process everything over the phone and via emails, giving you a very modern, streamlined and efficient service.
Finding the Right Mortgage for You
We compile the best deals from a large panel of lenders in the market place and present the most suitable solution.
Application Management
One point of contact – handling documents, lender queries, and progress tracking.
Completion & Ongoing Support
We see you through to completion and review options for your future plans.
Real Client Success
Don’t just take our word for it – check out our reviews on Google or Trustpilot
Ready to start?
Who We Help
Mortgage Advice for Every Stage of Your Journey
Some examples of the people we help:
First-time buyers looking for guidance and the right mortgage deal
Homeowners moving house
People wanting to remortgage, including raising additional borrowing
Property investors and landlords requiring tailored finance solutions
Complex circumstances, including self-employed and limited company director applicants, people with bad credit such as defaults and CCJs, etc
Clients in need of a Bridging Loan for both personal and business purpose
Our national perspective ensures that wherever you are, we can secure the most suitable mortgage solutions for you.
Why Choose a Specialist Mortgage Adviser?
Clarity, Expertise, and Trusted Relationships
Independent guidance: We assess the whole market to find the right mortgage for you, not just what one lender offers
Expertise you can trust: Years of experience navigating complex mortgage scenarios
Strong lender relationships: Our connections with banks and building societies help streamline approvals and avoid wasted time
Tailored advice: Every recommendation is based on your circumstances, goals, and long-term strategy
More Than Just a Mortgage
Protection and Financial Security, All in One Place
As fully FCA regulated brokers, we can:
Arrange life, critical illness, and income protection policies
Ensure your mortgage and protection align seamlessly
Save you time and hassle by managing multiple financial products under one roof
We take a holistic approach to your financial wellbeing, not just the mortgage.
Personal Service, Nationwide
Your Mortgage Journey, Supported Every Step of the Way
Remote consultations to suit your schedule
Fast, clear communication – we guide you at your pace
Transparent, upfront advice with no hidden surprises
Our goal is simple: make your mortgage experience stress-free, clear, and completely tailored to you.
Mortgages for Complex Income
We Guide Self-Employed, Company Directors, Contractors, and Locums
Many brokers struggle to help clients with complex income. We specialise in:
Self-employed and limited company applicants
Healthcare specialist – locum pharmacists, associate dentists etc
Contractors, freelancers, temporary workers, zero-hours employment
Clients with variable or seasonal income
Ensuring your income is presented clearly to lenders for approval
We make sure no one is overlooked just because their financial situation isn’t straightforward.
Adverse Credit? No Problem
Expert Solutions for Challenging Circumstances
Missed payments, Defaults, CCJs, and other financial difficulties
Debt Management Plans (DMP), IVA, past Bankruptcies
Specialist lender options
Tailored advice to rebuild or maintain financial health
Even if you’ve been turned down elsewhere, we can help find a path forward.
Commercial and Investment Property Mortgages
Helping You Grow Your Property Portfolio
Buy-to-let and investment property mortgages
Commercial property mortgages for owner occupier or investments – offices, clinics, shops, industrial units or mixed-use properties
More than just a residential mortgage broker!
Frequently Asked Questions
Typical residential mortgages offer can be achieved in a matter of days. Sometimes even less than 24 hrs! However, a purchase mortgage may take a number of months before you finally complete due to the requirements on the legal side of things. And it typically takes 4–6 weeks for completion of a remortgage; commercial or buy-to-let may take longer, depending on complexity.
Absolutely. Specialist brokers understand the mortgage landscape and lenders’ criteria. For complex scenarios, be sure to choose a mortgage advisor that truly understands what they are doing. We see many clients who have been told by other brokers that they wouldn’t be able to get the mortgage they need. This is very common with self-employed and locum clients. Thankfully, this is an area we specialise in.
Yes – we work with specialist lenders who assess individual circumstances and provide realistic options.
For more info – check out our page all about mortgages with bad credit.
We offer a transparent fee structure that will be covered during your free consultation. Our typical fee for arranging a residential mortgage with no adverse credit history is £495 – this payment is due in full once you receive a full mortgage offer. We also reserve the right to request an upfront payment when necessary.
Expert Mortgage Advice You Can Trust
Why Fifty Nine Financial?
- Access to Whole of Market
- Specialist Finance Broker
- Exceptional Customer Service
- No Upfront Fees