Residential mortgages only: OFFLEND introduces retail mortgage clients to an independently authorised and regulated FCA mortgage adviser (FRN 766509) who searches 90+ residential mortgage lenders. Regulated mortgage advice is provided by that adviser, not by OFFLEND.

Mortgage Products Available

First-Time Buyer Mortgage

Expert FCA-regulated advisers guide first-time buyers from Agreement in Principle through to completion. Available from a 5% deposit. AIP typically within 24–48 hours. Every step explained in plain English — no jargon.

Residential Mortgage — Moving Home

Whole-of-market advisers search 90+ lenders to find the most suitable deal for your income, deposit and circumstances — including self-employed income and complex employment structures.

Remortgage

Your fixed rate ending? Whole-of-market advisers compare every lender — not just the ones offering the highest commission. Equity release also explored where appropriate.

Buy-to-Let Mortgage

Personal names, limited companies (SPV) and portfolio landlords all considered. HMOs, holiday lets and short-term lets available. From 20–25% deposit typically.

Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Some buy-to-let mortgages are not regulated by the FCA. OFFLEND introduces retail mortgage clients to an FCA-regulated mortgage adviser (FRN 766509). We are a credit broker, not a lender.

Why Use OFFLEND for Your Mortgage?

  • Whole-of-market search across 90+ lenders — not just headline deals
  • FCA-regulated advisers only — your protection built into every introduction
  • Complex income situations welcome — self-employed, contractors, portfolio income
  • Previously declined applications considered
  • Agreement in Principle typically within 24–48 hours
  • Adviser manages the full application through to completion
  • OFFLEND's introduction service is completely free to you

Frequently Asked Questions

Residential and first-time buyer: minimum 5–10% deposit. Buy-to-let: 20–25%. Higher deposits unlock better interest rates.
Yes. Our advisers access lenders who specialise in self-employed applicants — using 1–2 years of accounts or SA302 tax calculations.
An Agreement in Principle (AIP) can typically be obtained within 24–48 hours. A full mortgage offer takes 2–4 weeks.
OFFLEND's enquiry is a soft search only — invisible to lenders. A full credit check only happens when you formally apply, with your explicit consent.
An AIP is a formal indication from a lender of how much they would lend, based on a soft credit check and your stated income.

Ready to find the right mortgage?

Free whole-of-market introduction · 90+ lenders · FCA regulated advisers · AIP in 24–48 hours · Your home may be repossessed if you do not keep up repayments

Speak to a Specialist →📞 07460648455

FCA regulated partners · No fees to you · Soft check only · No obligation

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