Finance that puts your property goals first
Our Services
We work closely with specialist lenders and take a hands-on approach, giving you clarity and confidence at every step.
Meet your specialist mortgage broker
Hello, I’m John.
I’ve been helping clients secure the right property finance since 2017. If your case doesn’t fit a neat box, you’re in the right place.
Specialist advice
We know how to match your situation to the right lender.
Straight-talking
No jargon. Just clear guidance to help you move forward.
Hands-on
A dedicated team that’s always there when you need us.
Complex cases
Unique circumstances? We make tricky applications work.
Mortgages shouldn’t feel like a fight
Mortgages can be messy. Lenders can be rigid. And life doesn’t always fit the tick-boxes. That’s why we take the time to understand what you’re trying to achieve and then make the finance work around it.
Let’s talk it through
Our first call is about getting a clear picture of where you are and what you're trying to do. No forms, no pressure. Just a quick conversation to get started.
Ready to get started?
Call John on: 07464 558082
Or email: john@incafinancial.co.uk
Mortgage calculator
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Not to us—it’s what we specialise in. We work with lenders who understand how business owners and freelancers get paid. Whether you take a small salary, dividends, or have fluctuating income, we know how to present your case properly.
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Absolutely. We arrange buy-to-let mortgages through limited companies all the time, especially for landlords growing their portfolios or planning long-term.
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Yes, we support ground-up developments, conversions, and semi-commercial projects. We’ll help structure the finance and connect you with lenders who are comfortable with bigger plans.
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Most likely, yes. We’ll take a fresh look at your circumstances, figure out what went wrong, and match you with someone better suited to your situation.
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Yes—we’re experienced in bridging loans, refurbishment funding and development finance. We’ll help you secure the funds and structure a solid exit plan from the start.
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We help clients with all kinds of credit history—missed payments, defaults, CCJs, and more. The key is knowing which lenders are open to real-life situations. We’ll look at the full picture and match you with someone who sees past the score.