Mortgage Services

We pride ourselves in providing a high level of service to our clients. We strive to go above & beyond just advising and arranging on the most suitable mortgage & mortgage protection for your needs. We will liaise with your solicitor, accountant & estate agent as appropriate and communicate regularly as required to help the whole process go as smoothly as possible.

If due to work or life commitments you need a call outside of normal working hours this can be easily arranged. This often fits in well with those who don’t work regular hours or shifts.

We do not charge fees upfront or on application. Any fee we charge is payable on completion. If for any reason the mortgage does not complete then our fee is not payable.

Mortgages

Whether you’re a first-time buyer, home mover or looking to re-mortgage Cactus Mortgages offer a range of solutions depending on you situation. We may be able to help and there may several factors to consider when getting a mortgage such as;

Full Time Employed, Zero Hours Contract, Self Employed, Contractor, Semi Retired or Retired
Good, Fair or Poor credit history
Limited Deposit
Property Type – such as houses, flats (long or short leases), new build, unusual construction type
Background Properties
Change of Job or Employment Type
Repayment (Capital & Interest) or Interest Only
Mortgage with no Tie-ins/Early Repayment Charges
Offset Mortgage with a Linked Savings Account
Family Assisted Mortgage
Capital Raising including for Home Improvements, Deposit on another Property or Debt Consolidation
High Unsecured Debt or High Debt to Income Ratio
Adding or Removing Someone from a Property/Mortgage or Transfer of Equity
Buy to Let Mortgages or Let to Buy Mortgages

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

You may have to pay an early repayment charge to your existing lender if you remortgage.

Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.

Mortgage Enquiry

Name

First Name

Last Name

Email

Tel No

Message

Data Permission

Cactus Mortgage will be what is known as the ‘controller’ of the personal data you provide to us. We only collect basic personal data about you which does not include any special types of information or location-based information. Why do you need my data and what will it be used for? We need to know your basic personal data so we can make contact with you and respond to your message, request or query. All the personal data we process is processed by our staff in the UK. Who is my data shared with? Your data will only be shared with third parties if this is necessary to respond to your request. If this is the case, we will seek your permission before passing on your details. How long do you keep my data for? We may store your data for up to six years past the end of any business relationship, after which time it will be securely destroyed. If you would no longer like us to process your data at any time, you have the right to object to the processing of your data. To do this, please contact info@cactusmortgages.co.uk What are my rights? You have the right to object to the processing of your data. You also have the right to request access to your data at any time. You have the right to rectification and/or erasure of personal data or restriction of the processing. If you wish to raise a concern related to how we have handled your personal data, you can contact us to have the matter investigated at compliance@sdlgroup.co.uk. If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the information commissioner’s office: https://ico.org.uk

By selecting the box, you acknowledge that you have read and understood the above privacy notice and consent to its terms.

Self Employed Mortgages

At Cactus mortgages we are specialists in finding mortgage solutions for the self-employed.

Having worked previously in business finance for a major UK bank with business customers and putting together business cases to underwriters for credit facilities Cactus Mortgages has a strong ability to place complex cases for self-employed clients.

We understand company accounts and often work with accountants to provide supporting information to underwriters to help them consider and ultimately approve a mortgage proposal. These areas include;

1 year’s trading
Drop in profit
Retained profit & no or low dividend
Multiple companies
Sole trader to limited company
Financial projections

Do feel free to contact us to explore what options might be available mortgage wise based on how your business is doing.

Self Employed Mortgage Enquiry

Name

First Name

Last Name

Email

Tel No

Message

Data Permission

Cactus Mortgage will be what is known as the ‘controller’ of the personal data you provide to us. We only collect basic personal data about you which does not include any special types of information or location-based information. Why do you need my data and what will it be used for? We need to know your basic personal data so we can make contact with you and respond to your message, request or query. All the personal data we process is processed by our staff in the UK. Who is my data shared with? Your data will only be shared with third parties if this is necessary to respond to your request. If this is the case, we will seek your permission before passing on your details. How long do you keep my data for? We may store your data for up to six years past the end of any business relationship, after which time it will be securely destroyed. If you would no longer like us to process your data at any time, you have the right to object to the processing of your data. To do this, please contact info@cactusmortgages.co.uk What are my rights? You have the right to object to the processing of your data. You also have the right to request access to your data at any time. You have the right to rectification and/or erasure of personal data or restriction of the processing. If you wish to raise a concern related to how we have handled your personal data, you can contact us to have the matter investigated at compliance@sdlgroup.co.uk. If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the information commissioner’s office: https://ico.org.uk

By selecting the box, you acknowledge that you have read and understood the above privacy notice and consent to its terms.

Poor Credit Mortgages

You may have experienced some financial ‘bumps in the road’ in the past and you’re not sure if you would be able to get a mortgage. Depending on your circumstances there are lenders out there that will consider those who had had such issues or a poor credit rating. The following can be considered;

Missed payments on Loans, Credit Cards or Hire Purchase Agreements
Defaults
County Court Judgements (CCJs)
Previous IVA or Bankruptcy
Missed Mortgage Payments
History of using Pay Day Loans
High level of Current Unsecured Debt

Contact us at Cactus Mortgages to see how we may be able to help.

Poor Credit Mortgage Enquiry

Name

First Name

Last Name

Email

Tel No

Message

Data Permission

Cactus Mortgage will be what is known as the ‘controller’ of the personal data you provide to us. We only collect basic personal data about you which does not include any special types of information or location-based information. Why do you need my data and what will it be used for? We need to know your basic personal data so we can make contact with you and respond to your message, request or query. All the personal data we process is processed by our staff in the UK. Who is my data shared with? Your data will only be shared with third parties if this is necessary to respond to your request. If this is the case, we will seek your permission before passing on your details. How long do you keep my data for? We may store your data for up to six years past the end of any business relationship, after which time it will be securely destroyed. If you would no longer like us to process your data at any time, you have the right to object to the processing of your data. To do this, please contact info@cactusmortgages.co.uk What are my rights? You have the right to object to the processing of your data. You also have the right to request access to your data at any time. You have the right to rectification and/or erasure of personal data or restriction of the processing. If you wish to raise a concern related to how we have handled your personal data, you can contact us to have the matter investigated at compliance@sdlgroup.co.uk. If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the information commissioner’s office: https://ico.org.uk

By selecting the box, you acknowledge that you have read and understood the above privacy notice and consent to its terms.

Specialist Lending

Cactus Mortgages also specialises in the following types of mortgage;

Joint Mortgage Sole Proprietor
Professionals Mortgages
New Build
Help 2 Buy Scheme
Buy to Let
Let to Buy
Second Charge Mortgages*
Bridging Loans*
Commercial Mortgages*

Do contact us to enquire as to how Cactus Mortgages may be able to help you.

*No advice is given for this type of business activity and is introduced to a third party on an introduction only basis.

Specialist Lending Enquiry

Name

First Name

Last Name

Email

Tel No

Message

Data Permission

Cactus Mortgage will be what is known as the ‘controller’ of the personal data you provide to us. We only collect basic personal data about you which does not include any special types of information or location-based information. Why do you need my data and what will it be used for? We need to know your basic personal data so we can make contact with you and respond to your message, request or query. All the personal data we process is processed by our staff in the UK. Who is my data shared with? Your data will only be shared with third parties if this is necessary to respond to your request. If this is the case, we will seek your permission before passing on your details. How long do you keep my data for? We may store your data for up to six years past the end of any business relationship, after which time it will be securely destroyed. If you would no longer like us to process your data at any time, you have the right to object to the processing of your data. To do this, please contact info@cactusmortgages.co.uk What are my rights? You have the right to object to the processing of your data. You also have the right to request access to your data at any time. You have the right to rectification and/or erasure of personal data or restriction of the processing. If you wish to raise a concern related to how we have handled your personal data, you can contact us to have the matter investigated at compliance@sdlgroup.co.uk. If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the information commissioner’s office: https://ico.org.uk

By selecting the box, you acknowledge that you have read and understood the above privacy notice and consent to its terms.

Mortgage Services

Mortgages

Self Employed Mortgages

Poor Credit Mortgages

Specialist Lending

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