Holdsworth Financial

Company Profile

Holdsworth Financial Ltd was founded by and is run by Simon Holdsworth, who has been working in residential property finance for nearly 40 years.

We advise on all aspects of UK residential property finance and are independent and directly authorised by the FCA with access to the entire UK marketplace.

We are a family company, a boutique business that punches above its weight in the UK market.

Our Approach

Combining our experience with a detailed understanding of your requirements, we deliver tailored advice and solutions for you.

The way we work puts you at the forefront of everything we do. We get to know you so we can better understand how to approach your requirements.

For four decades the team has been giving trusted, transparent advice to arrange cost-effective property finance for our clients. High service standards supported by the latest technology combine with access to all of the high street banks, private banks and specialised lenders.

Residential Mortgages

Main Residence

Whether helping to get onto the UK property ladder or moving home, we engage with you to develop a strategy that suits your needs. Whether a new property or a change of properties, we offer advice every step of the way. We will look to fully understand your position and your property ambitions and identify the most suitable lender and product to achieve your goals, taking into account all the costs and factors of any house move.

Second Homes

Many of our clients aspire to have a second home, perhaps a place in the country or a London pied-à-terre. Others look to merge this goal with an investment angle, perhaps a seaside retreat that can also be let out to pay for itself. We have extensive experience of working with clients to make these ambitions a reality.

Remortgages

The days of staying with one lender throughout your mortgage life are history; the importance of a full independent review cannot be overstated. Managing your mortgage to ensure it remains suitable and competitive is as important as having the right investments and approach to your savings.

Bespoke Mortgages

Private Banking Solutions

Over the years we have developed strong relationships with private banks to deliver bespoke, discreet advice that stretches beyond the traditional remit of a mortgage broker. We can develop lending solutions for clients who are asset-based rather than simply income reliant, as well as working with both onshore and offshore trusts and structures.

Large Loans

We have arranged some of the largest, bespoke, residential finance solutions for those acquiring or owning the finest residential properties from prime London addresses to private Country Estates.

Complex Structures

Over the years we have found the right solutions for all manner of situations and we have the expertise to find the right one for you.

Increased regulation of lenders and advisors has made life challenging for those with ‘non-standard’ profiles such as income in foreign currencies, income from multiple sources, offshore income and assets, company structures, trust structures or complex remuneration packages including bonuses, options, equity stakes or share awards. We can help.

Investment Mortgages

Buy-to-Let

Residential property has been a popular element of the investment mix for people for many years, and despite changing taxation rules it continues to be attractive for clients. It is a familiar asset class, with simple income dynamics and options to enhance value. We can advise on the right lenders and products depending on your investment goals and strategy, with regular reviews to ensure the optimum returns.

Holiday Let

We understand and have considerable experience of the furnished holiday-let and second-home markets, especially in the UK. We equally appreciate the range of personal motivations that drive these purchases. We are therefore well positioned to advise on the optimal balance of financing.

Development Finance

We can advise on the financing for a range of development projects, extensions, subdivision, basement digs or more complex schemes, permitted development, new builds, self builds and class Q. We can help in situations where clients are looking to make their properties work for them or contribute towards their running costs, including furnished holiday lets and second homes.