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Residential Mortgages

Residential house

A mortgage often is the biggest monthly commitment you’ll ever make. With so many options available, it can quickly feel overwhelming: fixed or tracker, two-year or five-year?
 

That’s where we come in. We work with total transparency and integrity, supporting first-time buyers, movers, downsizers, and experienced homeowners alike. As whole-of-market specialists, we access competitive rates (including some not available to every broker) and pride ourselves on being responsive and efficient.
 

From our first conversation through to completion, we manage the entire process for you — keeping things moving and removing as much stress as possible. If you’re planning a move or simply exploring your options, we're here to help with honesty, discretion, and a service you can trust.

BUY TO LET MORTGAGES

Buy To Let Building

Buy-to-let remains a popular option for investors seeking an alternative to savings, investments, or pensions, with many relying on property to generate long-term passive income.
Access to quality mortgage advice is essential.
 

If you’re purchasing a property to let, you’ll need a buy-to-let mortgage, which differs significantly from a residential mortgage. We arrange buy-to-let finance for:
 

  • Single-let properties

  • HMOs (Houses in Multiple Occupation)

  • MUFBs (Multi-Unit Freehold Blocks)

  • Portfolio refinances
     

We can help you secure a suitable, cost-effective mortgage aligned with your investment strategy.

HIGH NET WORTH MORTGAGES

Mansion house

We specialise in advising high-net-worth and ultra-high-net-worth individuals with complex income and asset structures. Discretion is fundamental to our service, with all enquiries handled in strict confidence.
 

Drawing on extensive experience with non-standard and international income, we present your profile clearly to specialist lenders and private banks to secure the most suitable high-net-worth mortgage terms.

AUCTION FINANCE

property auction

Buying at auction moves fast. Once your bid is successful, you’re legally committed, with a 10% deposit paid on the day and the balance due within 28 days.
 

Our specialist auction finance brokers understand these tight timelines and complexities, helping investors secure funding quickly and with confidence.

FOREIGN NATIONAL MORTGAGES

Apartment Complex

We help foreign national buyers secure UK mortgages, even without an existing UK footprint. Working with specialist and international lenders, we structure applications where income, assets, and residency are overseas.

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Our team manages the process end to end, ensuring overseas buyers access the right funding solution with confidence and clarity.

Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on your mortgage.
 

The product recommended and terms offered will depend on your personal circumstances and the loan amount you are seeking. We will assess your needs and objectives and make a recommendation if we think you meet lenders’ criteria and their products meet your needs. All mortgages and loans are subject to satisfactory valuation, full credit underwriting and standard due diligence.
 

CYS Financial is an appointed representative of Brooklands Commercial Finance Limited which is authorised and regulated by the Financial Conduct Authority (No. 648940). Brooklands Commercial Finance Ltd is a credit broker and not a lender.

We work with the whole of the market of lenders who may pay us a commission. This amount of commission varies between lenders.  
CYS Financial Ltd is registered in England and Wales No. 09023891 with our registered office at 16 Old Malt Way, Woking, Surrey, GU21 4QD

Copyright 2026 by CYS Financial Ltd

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