Frequently Asked Questions (FAQs)

What services do you offer?

CYS Financial is a specialist finance brokerage offering tailored funding solutions for investors, developers, and businesses. We provide expert advice across property finance, commercial lending, and business funding.

 

Who can benefit from your services?

Developers, property owner, homeowner, landlords, business owners and investors.

 

What is a Specialist Finance Broker?

It is essential that you are aware of how debt is structured before committing to buying a property. Whether A specialist finance broker offers tailored funding solutions to the borrower’s needs based on their financial circumstance.  A specialist broker is not limited to working with set number of lenders.  Specialist brokers have whole of market access to lenders, making it possible for finding the right lender that aligns with your property investment goals.

 

How We Work

• Initial consultation to understand your objectives

• Review of financial position and documentation

• Research across specialist lenders

• Structuring of suitable funding solutions

• Submission and management of applications

• Ongoing liaison with lenders, solicitors, and valuers

• Support through to completion

 

We act in your best interests at all times and provide transparent,

professional advice throughout the process.

 

What documents do I need for a loan application?

To progress your application efficiently, lenders will require:

 

For Individuals:

• Photo ID (passport/driving licence)

• Proof of address (utility bill/bank statement)

• Last 3 months’ bank statements

• Income evidence (payslips, SA302s, tax calculations)

 

For Companies:

• Company accounts (2–3 years where available)

• Management accounts (if applicable)

• Business bank statements

• Confirmation statement

• Shareholder/director details

 

For Property:

• Memorandum of sale

• Lease/freehold documents

• ASTs (if applicable)

• Schedule of works (for development/refurbishment)

Fees & Transparency

Our fees will be clearly agreed with you in advance and documented

in your Terms of Business & Fee Agreement.  We may also receive commission from lenders, which does not affect the quality or suitability of our advice.

For a typical mortgage we will charge a fee of £499 per application which will be payable on loan application stage.

 

For bridging, adverse and more complex buy to let & residential mortgages; we will charge a fee of up to 2%of the loan amount. If the combined fee is greater than £499, we will disclose this to you in writing below. Multiple mortgage applications may receive a discount on the standard fee which will be agreed with your broker.

Our fees are not refundable.

 

Typical Timescales

Indicative timescales (subject to lender and third parties):

• Decision in Principle: 2–10 working days

• Valuation: 1–3 weeks

• Formal Offer: 2–4 weeks

• Completion: 4–10 weeks

Timescales vary depending on complexity, documentation,and third-party responsiveness.

 

What is your Complaints Procedure?

If you are dissatisfied with our service, please contact us in writing in the first instance so we can investigate and resolve the matter.If you remain unhappy, you may refer your complaint to:

 

Financial Ombudsman Service

www.financial-ombudsman.org.uk

Telephone: 0800 023 4567

 

What are the STEPS when working with CYS Financial?

1. Review and sign your Terms of Business

2. Return required documentation

3. Confirm your funding objectives

4. We will begin sourcing and structuring your finance

 

YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THEREPAYMENTS ON A 
MORTGAGE OR ANY OTHER DEBT SECURED ON IT.  THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.