Berks & Bucks Finance

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Berks & Bucks Finance Welcome to Berks & Bucks Finance, your go-to source for expert mortgage advice in the UK! This firm usually charges a fee for mortgage advice.
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With over 40 years of experience, I specialise in helping first time buyers, investors, and homeowners navigate the complex world of mortgages. *YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE*

Social Media posts are aimed at UK customers only. The Financial Conduct Authority does not regulate most Buy to Let Mortgages. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity. Berks & Bucks Finance is a trading name of Harvinder Singh Sandhu who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Ltd. Advance Mortgage Funding Ltd is authorised and regulated by the Financial Conduct Authority.

13/10/2026

Yes, it’s real. No, it’s not for everyone.

A rolled-up interest mortgage means you don’t make monthly payments. Instead, the interest is added to the loan each month and the whole lot is paid off at the end of the term. That’s the bit people need to understand: the balance grows over time, so what you owe at the end will be more than what you borrowed.

That’s why the lender isn’t interested in your payslip. They want to see your assets and, more importantly, your plan for paying it back. That might be selling a property, drawing from a pension, or cashing in investments. No clear exit plan, no deal.

It’s built for people who are asset rich but cash poor. Maybe you’re waiting on a business sale, your shares haven’t vested yet, or you want to help your kids buy without selling up first. It gives you time to sell on your terms rather than the market’s.

It’s a specialist product, so it needs proper advice. Your home may be at risk if the loan isn’t repaid.

Sitting on assets but short on cash? DM me and let’s talk it through.

🔗 berksbucks.co.uk
📞 07799 117839

09/10/2026

If you had to think about it, the answer's probably no.

A mortgage buffer is money set aside for when life doesn't go to plan. The car breaks down, the dog needs the vet, the boiler gives up. One of those on its own is a pain. All three in the same few weeks is when people get into trouble.

Here's what most people don't realise. When you apply for a mortgage, lenders check you can afford the monthly payment. They don't check whether you can cope with everything else going wrong at once. After completion, that part is on you.

So start the buffer. Keep it in a separate pot, keep it for emergencies only, and add to it every month, even if it's a small amount. And while you're at it, check what you're already covered for. Boiler cover, pet insurance, breakdown cover. Boring, but a lot cheaper than finding out you needed them.

No buffer yet? Start one this month.

🔗 berksbucks.co.uk
📞 07799 117839

06/10/2026

Every headline wants to tell you the market's crashing. Most of them are only looking at one end of it.

Big detached houses at the top are having a harder time. Flats at the bottom are too. But the middle, the semis and terraces, has kept steady. And that's nothing new. It's been the pattern for decades.

There's a practical reason it's worth paying attention to. Flats are often leasehold, which can come with service charges and ground rent you don't control, and they can go up. Lenders also look closely at how many years are left on a lease. A semi or terrace is usually freehold, so those costs are in your hands, and there's often room to extend as your life changes.

None of this means a semi or terrace is right for everyone. It comes down to what you can afford and what you need. But if the budget stretches, it's worth a proper look.

Thinking about buying? DM me and let's look at what's possible.

🔗 berksbucks.co.uk
📞 07799 117839

03/10/2026

Most parents think helping their kids buy a house means handing over a deposit. It doesn't have to.

A gifted deposit is the one everyone knows. But it comes with paperwork. The lender will usually want a signed letter confirming it's a gift, not a loan, and they may want to see where the money came from. Sort that early and it saves a scramble later.

If there's no lump sum, your income can still help. Some lenders let a family member go on the mortgage to boost affordability without going on the deeds. Some only accept parents, some accept grandparents, siblings or even friends. But your own outgoings and commitments get looked at too, so it isn't free money on paper.

Then there's the guarantor route, where a parent puts up their own property as security. It can make a big difference, but it's a serious commitment. If the payments aren't kept up, the guarantor's home could be at risk. That's a conversation worth having properly before anyone signs anything.

Every lender has different rules on who they'll accept. Get the right one and the whole thing is far simpler.

Thinking about helping your kids buy? DM me and let's talk it through.

🔗 berksbucks.co.uk
📞 07799 117839

01/10/2026

Most HMO plans don't fall apart at the mortgage stage. They fall apart at the council.

The property can look perfect on paper. Good yield, good location, plenty of rooms. But if the council has already decided that street has enough HMOs, none of that matters.

Here's the bit a lot of investors miss. Many councils use something called an Article 4 direction, which means you need planning permission to turn a house into even a small HMO. Go to seven or more tenants and you need planning permission anyway. Licensing is a separate thing on top of that. Planning and licensing are two different hurdles, and passing one doesn't mean you've passed the other.

So before you fall in love with a property, look at the council's Local Plan. See what they're saying about HMOs in that area. Then look at the property, then the mortgage. In that order.

Got a property in mind? DM me before you make the offer.

🔗 berksbucks.co.uk
📞 07799 117839

26/09/2026

Renting your property out without telling your lender? The lender isn't watching, but that's not actually the biggest problem here.

Most people think the risk is the mortgage. And yes,when you took that mortgage you signed a contract saying you'd live there. Renting it out without consent to let breaks that contract. But here's the part nobody talks about.

Your buildings insurance. Still sitting on a residential policy. The moment that property has tenants in it, that policy is wrong. And if something happens, a fire, a flood, a serious claim, your insurer has a way out of paying. Because you didn't tell them the property was being let. That one oversight could leave you completely unprotected on what is probably your biggest asset.

The fix is two calls. Get consent to let from your lender, most are fine with it. Then call your insurer and update the policy to buy to let. That's it. Two calls, everyone's happy, everything's above board.

Do it properly. The alternative isn't worth it.

Share this with anyone thinking about renting their home out.

🔗 berksbucks.co.uk
📞 07799 117839

22/09/2026

Company director? Your high street bank is only seeing half your income and it's costing you on your mortgage.

Here's what most directors don't realise. High street lenders look at salary and dividends. That's it. But inside your company accounts there's another number they're not looking at... retained profits. Money that's sat in the business, belongs to you, and most high street banks pretend doesn't exist.

A client of mine — company director, clean accounts, very limited personal expenses, running a tight ship — went to a high street bank and got offered a fraction of what he actually needed. Same director, same accounts, same circumstances. A specialist lender who understood retained profits told a completely different story.

The difference wasn't his income. It was which lender knew how to read it.

If your salary and dividends are holding you back from the mortgage you actually need.

DM me and let's have that conversation. And if you know another company director this could help, send this to them.

🔗 berksbucks.co.uk
📞 07799 117839

19/09/2026

That HMO is worth more than you think and the price on Rightmove is probably not the number you should be looking at.

Most below market value deals online are noise. As a broker I'd say 80% don't work. But title splits are the exception and here's why most property investors miss them completely.

When you look at a block of flats or a semi-commercial building, you're seeing one price for the whole thing. What most people don't do is work out what each individual unit is worth separately. Because that number, the parts added up, is almost always higher than the whole. That gap? That's your deal.

You buy through bridging finance. Your solicitor splits the titles. The value jumps. Then you decide, sell the units individually, or remortgage and hold. Either way you've manufactured equity that wasn't visible in the original asking price.

The building didn't change. The way you looked at it did.

If you've got a building you think could work this way, give me a call. And if you know a property investor who needs to hear this, send it to them.

🔗 berksbucks.co.uk
📞 07799 117839

18/09/2026

Everyone asks me how long a remortgage takes. The answer just changed.

There's now a lender offering remortgages in five days. Not for everyone, but if you meet the criteria it's genuinely that fast!

Here's what they need:

✅ It has to be like for like, so no extra borrowing.
✅ Freehold residential properties only, no buy to lets.
✅ You need to be ready to sign everything digitally, no paper.
✅ You'll need to use their solicitors.
✅ The loan to value needs to be 80% or below.

If you're remortgaging and there's nothing else going on, no name changes, no transfer of equity, nothing complicated, and you meet those criteria, this could be done in five days.

DM me and I'll tell you whether it's a five day job or whether it's going to take a little longer.

Follow for no BS mortgage advice.
🔗 berksbucks.co.uk
📞 07799 117839

11/09/2026

Stop stressing about mortgage paperwork. Whether you're a first time buyer, moving, or remortgaging, there are only three documents your broker actually needs.

1. Proof of income. Employed?
Last three months payslips. Self-employed? Last two years accounts. That's it.

2. Last three months bank statements.
Not just to show your earnings coming in, but your outgoings too. Credit cards, loans, subscriptions, all of it.

3. Proof of deposit. Where is it coming from?
Your own savings or a gifted deposit from family? The lender needs to see the source. Nothing else. Three documents.

If you're getting yourself into a panic about applying for a mortgage... don't! Get those three things together and let's have a conversation.

Follow for no BS mortgage advice.
🔗 berksbucks.co.uk
📞 07799 117839

Address

Regal Court, 42-44 High Street
Slough
SL11EL

Opening Hours

Monday 9am - 5:30am
Tuesday 9am - 5:30am
Wednesday 9am - 5:30am
Thursday 9am - 5:30am
Friday 9am - 5:30am
Saturday 9am - 12:30pm

Telephone

+443300434317

Website

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