Trusted advice. Exceptional service.
Opening doors to home ownership.
Iconic Mortgages compares lenders across the whole market, handles the paperwork, and puts one adviser beside you from the first conversation to the day you get the keys.
The first conversation costs nothing. Twenty minutes on the phone, no obligation, and a straight answer on what you can borrow before you go any further.
How Ujjwal can help
A first flat and a four-property portfolio need different lenders, different paperwork and different conversations. Here’s where we spend our time.
What you can borrow, what deposit you really need, and which lenders take a sensible view of your situation. We’ll also walk you through the schemes worth using.
Buying your first home →Port your existing deal or start fresh, whichever leaves you better off. We’ll run the numbers on both and keep the chain moving while you pack.
Moving up or down →Coming off a fixed rate, releasing equity for an extension, or consolidating borrowing. We start six months out so you never roll onto the standard rate.
Think carefully before securing other debts against your home.
Switching your deal →New builds come with developer deadlines and offer-expiry problems. We use lenders who understand them, and Shared Ownership where it makes sense.
Buying new →Rental stress tests, limited company structures and portfolio landlord rules. Whether it’s your first rental or your eleventh, we’ll find the right lender.
Letting a property →Borrowing into retirement, downsizing, and equity release. Decisions here affect your family too, so we’re happy to have them in the room.
Equity Release includes Lifetime Mortgages and Home Reversion schemes. To understand the features and risks, ask for a personalised illustration.
Lending in later life →Everything Ujjwal advises on
Whatever the situation, there is usually a lender for it. These are the areas Ujjwal advises on day to day.
How it works
Most purchases run from first call to completion in eight to twelve weeks. Remortgages are usually quicker.
Twenty minutes, free, no obligation. We go through your income, deposit and plans, and tell you honestly what’s achievable.
We pick the lender and get you an agreement in principle, usually within 24 to 48 hours. That’s what estate agents want to see before they take an offer seriously.
We submit the application, chase the valuation and answer the underwriter’s questions. You send us documents once; we deal with the back and forth.
Your formal mortgage offer arrives and we liaise with your solicitor through to completion day. We’ll also diarise your rate expiry so we can start early next time.
Run the numbers
Two quick sums: what a mortgage would cost each month, and roughly what lenders would let you borrow.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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Based on the figures you’ve entered
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Lenders typically range from —
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These calculations provide an illustration only and do not constitute a formal quotation or regulated financial advice. Lenders assess affordability on your full circumstances — credit history, dependants, committed outgoings and the property itself — so the figure they offer may be higher or lower. Speak to Ujjwal for a decision in principle based on real lender criteria.
What clients say
Every review below is genuine and published with permission. Past cases are not a guarantee of what we can achieve for you.
Recent work
A sense of the work, rather than a wall of five-star quotes. Every case is different, and nothing here is a promise about yours.
Contracts exchange when the hammer falls and completion is usually 28 days later. That only works if the finance and the exit are lined up before the bid, not after it. Ujjwal arranges bridging on that basis, through Match Financial Partners Ltd, and plans the refinance from day one.
Bridging & auctionNot regulated by the FCA
More landlords are buying through a company, and the lending is genuinely different — criteria, rates and underwriting all shift. We structure the case around how the lender will actually read it, and work with the client's accountant where the tax position matters.
Buy-to-let & SPVMost BTL is not regulated by the FCA
Self-employed accounts, contractor day rates, several income sources, or a default or CCJ from years ago. These are the cases where a high street decision engine says no and a human underwriter at the right lender says yes.
Residential & specialistSubject to lender criteria
These describe the types of case we handle. They are illustrative only, are not a forecast of what any lender will agree, and outcomes depend entirely on your own circumstances and the lender's assessment at the time.
Common questions
There will be a fee for the mortgage application, charged by Match Financial Partners Ltd. For a standard residential or buy-to-let mortgage it is typically £495. For commercial, semi-commercial and specialist lending it is typically 1% of the loan amount. Fees are set case by case, and Match Financial Partners Ltd will confirm yours in writing before your application is submitted, including when it becomes payable and when it becomes non-refundable.
The initial consultation is free. The application fee is charged by Match Financial Partners Ltd upon submission of your full application, not at the first conversation.
Match Financial Partners Ltd will also normally receive a commission from the lender when your mortgage completes. Both figures are confirmed in writing before you commit to anything.
As a rough guide, most lenders cap borrowing at around 4.5 times your annual income, and some will stretch to 5.5 times for higher earners or certain professions. Credit commitments such as car finance reduce that figure.
The affordability calculator will give you a ballpark. A short call will give you something far more accurate.
Five per cent of the purchase price is the usual minimum, and there are 100% options for some buyers. But rates step down at 10%, 15%, 20% and 25%, so every few thousand pounds more can noticeably cut your monthly payment.
Remember to budget for solicitor’s fees, searches, a survey and — depending on the price and whether you already own a home — Stamp Duty.
An agreement in principle usually takes 24 to 48 hours. From full application to formal mortgage offer is typically two to four weeks. Completion then depends on your solicitor and the chain — eight to twelve weeks from offer accepted to keys is normal for a purchase, and a remortgage is often four to six.
No. Our initial conversation involves no credit search at all. When we get you an agreement in principle, most lenders use a soft search, which only you can see. We’ll always tell you before anything leaves a hard footprint.
Usually, yes — this is exactly where a broker earns their keep. Lenders treat self-employment very differently: some want three years of accounts, others will work from one. The same goes for defaults, missed payments and CCJs.
Being turned down by your own bank tells you about that bank, not about the market.
Get in touch
Whether you’ve had an offer accepted or you’re just wondering if this is possible at all, we’ll give you a straight answer.
