Mortgages
At PGFMoney we have three qualified mortgage professionals with over 60 years combined experience of arranging borrowing for your home. We are a whole of market independent broker with access to residential and buy to let deals from the majority of high street lenders and many other schemes not available to the public. We offer a comprehensive advice service which takes you from deciding which type of mortgage is suitable to assessing affordability and arranging a decision-in-principle from a lender. Once you have found a home we will apply for the mortgage on your behalf, help you find a solicitor and keep you informed along the way to receiving your mortgage offer and completing your home purchase. To find out more about types of mortgages we do, hover or click below the titles.
We break down the daunting process of buying your first home, explain your options, and help you buy with confidence—no jargon, no fluff, just straight answers and simple explanations.
First Time Buyers
Poor Credit
We work with lenders who look past the score. Whether it’s missed payments or defaults, we help present your case clearly and rebuild your financial footing.
Whether you're starting your portfolio or expanding it, we offer practical, lender-ready advice tailored to your goals. From first-time landlords to seasoned investors, we help make the numbers stack up.
Buy to Let
We know traditional income checks don’t fit the self-employed. Whether you’re a sole trader or running a limited company, we help present your finances clearly, match you with lenders who understand variable income, and avoid the usual roadblocks.
Self Employed
Whether you are experienced or a first time landlord, we help you focus on yield, tax, and long-term strategy. Whether you're starting out or scaling up, we help you invest with clarity and confidence.
Shared Ownership
We guide you through licensing, layout rules, and compliance so your property meets regulations and delivers consistent returns.
HMO (House of Multiple Occupation)
Buying land for a self-build project is exciting—but full of traps. We help assess planning potential, access rights, and funding options tailored to staged releases. From plot searches to build timelines, we guide you through every step so your dream home doesn’t become a planning nightmare.
Self-Build
Life Assurance
We believe protecting your life and health is essential whether you have a mortgage or not. We can advise on all the ways of protecting your family and lifestyle when life happens to you.
Equity Release
In later life many people are now using their homes to supplement their incomes, pay off outstanding mortgages, make home improvements or help their younger ones when they need funds. We have teamed up with partner busineses who are specialists in this area and can assist with borrowing in retirement, whether through equity release or lifetime mortgages.
Retirement Planning
We are authorised to assist throughout the whole retirement journey, from making your first payment to drawing the income when you need it. We can look at the most tax efficient ways of investing for your future using solutions which reflect the risks you want to take with your investments. As independent advisers we have access to the UK’s top investment companies. We can recommend individual pension plans or platform products, depending on your needs.
Investment Planning
Closely aligned to planning your retirement we can advise on putting money aside in a tax efficient way for shorter to medium term goals. We can look at trusts to mitigate inheritance tax or make gifts and retain control of the capital.
Will and Trust Planning
We have teamed up with Honeypro to provide will, trust and lasting power of attorney services. The link below provides more details and allows you to apply online with assistance from trained advisers.
This link takes you to a questionnaire which helps you asssess your estate planning needs:
review.honeybrilliantmoney.co.uk/intro?referralcode=PGFMoney
Here is the link to the application website.
https://review.honeybrilliantmoney.co.uk/intro?referralcode=PGFMoney