Using leading sourcing technology from means we can tailor your mortgage to your specific needs and get faster results meaning a more efficient service.

Mortgage Products

We promise to find you the best products that suits you and make your application a fast and efficient way.

When you call A to Z Finance 4U, we will try to get you through to one of the members of the mortgage team, just let us know how we can help and you will be able to speak directly with a qualified mortgage consultant who is an expert.

  • Every UK lender, every mortgage, every possibility
  • Your own dedicated mortgage consultant
  • Simple, straightforward advice from people who care
  • We provide a market leading personal service
Please find below some of the popular mortgage products we cover:

Overview

It is your choice If you want to stay with the same lender or take flight to another lender?

If it is the right decision to go with a product transfer with your current lender, we will tell you, but you could save money by switching to a new lender.

Let us compare the whole mortgage market for you; these will include all High Street lenders and smaller friendly Building Societies, the results may surprise you.

What we do for you

  • We have access to every High Street lender
  • We also work with regional friendly Building Societies
  • Free Valuations with most BTL Re-mortgage products
  • Free Legals with most BTL Re-mortgage products
  • Complete your BTL Re-mortgage with us from start to finish
  • Your own dedicated Mortgage Consultant and Administrator

Overview

We specialize in Buy To Let mortgages to help you with your property investments.

Whether your a first time landlord or you have already built a portfolio, build your property empire with A to Z Finance 4U Ltd buy-to-let mortgage Specialist.

We work with most of the buy-to-let lenders in the Uk, even the ones that can’t be found on the High Street or are only accessible via a broker.

What we do for you

  • Borrow up to 85% of the property’s value
  • No minimum personal income required with some lenders
  • Maximum age 75 at point of application
  • No maximum age when mortgage is redeemed
  • Houses of multiple occupancy and student lets
  • Limited Company Buy To Let
  • Blocks of flats and multi-unit freehold blocks
  • No credit scoring on some mortgage products
  • Let To Buy mortgage products available.

Overview

We are sub-prime, adverse credit mortgage experts.

In today’s mortgage market, your Credit Score can affect the type of mortgage you qualify for; in simple terms your Credit Score is king!

If you have a less than perfect Credit Score and even a few historical credit issues, this won’t necessarily stop you getting a mortgage.

We work with specialist lenders not found on the High Street and smaller building societies who will look beyond your credit score. We may surprise you.

What we do for you

  • Mobile Phone defaults ignored with some lenders
  • Defaults accepted on some mortgage products
  • CCJ’s ignored with some lenders
  • Debt Management Plans considered
  • Mortgage Arrears accepted on some schemes
  • Current Individual Voluntary Arrangement (IVA) considered
  • Discharged Bankruptcy considered
  • No Credit Scoring on some mortgage products
  • Let us assess your Credit Report for you
  • Missed payments on unsecured debts considered
  • Let To Buy mortgage products available.

Overview

Interest Only Mortgages are also available with us, but are they a wise move?

Interest only mortgages are still available with a number of lenders you will know and trust, subject to some straightforward lending criteria.

What we do for you

  • Interest only available up to 85% loan to value for BTL products
  • You do not need to have endowment policy or savings plan
  • Sale of the property is an acceptable repayment vehicle
  • Downsizing is an acceptable repayment vehicle
  • You won’t pay a higher rate of interest on some schemes
  • Free valuation on some schemes
  • Free legals on some schemes
  • You can make overpayments on some schemes
  • Our initial advice and recommendation is free

Overview

A to Z Finance 4U Ltd  also specialise in Commercial mortgages.

A commercial mortgage is almost like a residential mortgage with the only difference that the collaterals kept against the loan is usually a commercial building or any business real estate and NOT any residential property.

In addition, commercial mortgages are taken by businessmen and not individual borrowers

A commercial mortgage will be opted by a person who is looking for a business premises or who is willing to extend his/her business venture.

Various types of commercial mortgages are available in the market right from fixed-rate to variable mortgages.

What we do for you

  • Find you the best mortgage product when you are purchasing a business accommodation
  • Find you the best mortgage product Extending existing premises
  • Release equity held in commercial property
  • help you to Increase working capital with commercial mortgage
    We will also try to get you the type of commercial mortgage product that suits you the best. Following are few of them
  • Adjustable Commercial mortgage
  • Fixed-rate mortgage
  • Interest-only mortgage
  • Industrial property mortgage
  • Land mortgages
  • Retail commercial properties
  • Office property mortgages