Berks & Bucks Finance
Specialist Mortgage & Protection Advisers
- All types of mortgages
- All types of people
- All types of property
No Spam - Just Advice 👇
For homebuyers, homeowners and landlords across the UK
Clear mortgage advice that helps you make the right decision.
Whether you’re buying your first home, remortgaging, or reviewing your options, we help you understand what’s possible, what it will cost, and what makes sense for your situation.
No jargon. No pressure. Just clear advice so you can move forward properly.
CLARITY FROM THE START
Know exactly where you stand before you commit to anything.
GUIDANCE THROUGH THE PROCESS
From first call to completion, nothing is overlooked
Prefer to speak directly?
07799 117839
Why choose us
Experience across a wide range of mortgage scenarios.
Helping you find the right solution for your situation.
We advise on all types of mortgages, supporting everyone from first-time buyers and self-employed applicants to NHS professionals and clients needing Joint Borrower Sole Proprietor (JBSP) solutions. Whether your situation is straightforward or more complex, we’ll take the time to understand your circumstances and guide you through the options available — for a full breakdown of everything we cover, take a look at the menu at the top of the website.
First time buyer
A First Time Buyer Mortgage is exactly what is says on the tin. A mortgage for a person who…
Self Employed
It’s only the Documents that are required to prove your income that are different.If you’re a sole trader…
BRIDGING FINANCE
Need cash yesterday? When a buyer drops out, a tax demand arrives, or you spot a rare deal…
Bad credit
Due to the higher risk of providing a Bad credit Mortgage the rates and initial charges may be…
WHAT OUR CUSTOMERS ARE SAYING...
About us
Experienced guidance for every stage of your journey.
From first-time buyers and remortgages to buy-to-let and self-employed mortgages, I work with all types of clients. I have access to exclusive deals, including options not available from high-street lenders.
Harvey Sandhu:
About me
I’m a fully qualified Mortgage & Protection Broker based in Slough and Newbury...
Mortgage Fees explained
This guide breaks everything down clearly, calmly and in plain English — so you under...
What does a mortgage broker actually do?
If you just want the short answer, here it is. Most people use a mortgage broker to...
Our YouTube Channel
If you can’t find what you’re looking for on our website then head over to our YouTube channel where we provide helpful tips on all things mortgages and protection.
Calculate your LTV
Loan to Value represents the percentage of a property’s value that is financed through a mortgage.
10 steps to buying your first property
Clear answers, explained simply
Frequently Asked Questions
Is it worth using a mortgage broker in the UK?
Yes — for 99% of clients, using a mortgage broker is absolutely worth it. A broker can access lenders and products not available directly to the public. Brokers also help avoid declines, delays and costly mistakes — especially if you’re self-employed, on a visa, have complex income, or are buying your first home. Click to find out more.
Can a mortgage broker help if I’m self-employed or on a visa?
Absolutely 100 %. Self-employed income, contractor income, and visa-based applications often fall outside normal high-street criteria. I regularly help clients with Skilled Worker, spousal, business, and other residency categories secure the right lender — even when high-street banks say no.
What fees are there when getting a mortgage?
When purchasing a property, there are several costs to consider, including the deposit (a percentage of the property price), the lender’s product or arrangement fees, legal fees for your solicitor or conveyancer, valuation and survey costs, and Stamp Duty Land Tax — click to find out more.
Do mortgage brokers work with bad credit?
Yes — many specialist lenders are designed specifically for clients with missed payments, CCJs, defaults, IVAs, low or thin credit histories, or historic credit issues, and many of these lenders only work through brokers rather than directly with the public. Click to find out more.
What does the lender need when applying for a mortgage?
Lenders will first verify your identity and address, usually automatically through a credit reference agency and the electoral roll, but if this isn’t successful they may request a passport or driving licence along with a recent utility bill. They will also ask for recent bank statements and payslips, typically covering the last three months, to confirm your income and assess your regular outgoings.
Whats the difference between a repayment mortgage and an interest only mortgage?
A repayment mortgage means your monthly payments cover both the interest and the capital you’ve borrowed, so if you make every payment on time, the mortgage will be fully paid off by the end of the term. With an interest-only mortgage, your payments cover just the interest, keeping monthly costs lower, but the full loan amount will still need to be repaid at the end of the term.