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Domus Mea Property Finance


Mortgages ~ Equity Release ~ Protection


Residential mortgages

Whether you are purchasing a new home or remortgaging your existing property, finding the right mortgage is essential. Over the years we have developed an excellent relationship with hundreds of lenders, building societies and private banks with no high street presence and we can recommend and arrange the best mortgage product for your circumstances. We offer the following services:

Second homes
Right to buy
Help to buy
Shared equity
Holiday homes

First Time Buyers

People buying their first home often have specific needs when it comes to finding a mortgage. A range of mortgages exists specifically for this market sector. Our wealth of experience and a great relationship with a large number of lenders, allows us to offer a bespoke first time buyer solution for our clients.
We will discuss with you your current finances, budget and amount of deposit so we can determine what mortgage products are right for you. We will look at repayments and mortgage rates as every person has different priorities and each mortgage applicant’s situation is different, so we will be able to give you the best range of options for your personal circumstances. We will also ensure that you understand the borrowing agreement with your chosen lender and look at a range of insurance products that may be right for you.

Buy to Let Mortgages

As a buy to let landlord, finding the right mortgage can be daunting. Whether you are purchasing your first buy to let or are an experience landlord, looking to expand your portfolio, we can secure the right mortgage for your circumstances, using our knowledge of the industry and great relationship with the lenders.
We offer BTL mortgages to first time landlords as well as portfolio holders, limited companies and SPV’s. We can assist you whether the property you are looking to purchase or refinance is a single family unit or a house of multiple occupation.

High Net Worth Mortgages

High Net Worth clients can sometimes find the high street lenders do not offer the right level of expertise to cater for their needs. Having built a strong relationship with specialist high net worth lenders and private banks, we can arrange a bespoke HNW mortgages for our clients, providing a tailored one – to one advisory service.

Expat Mortgages

We are experts in helping expats secure mortgage finance on UK property. We have access to a large range of products for expats returning to the UK as well as those looking to buy or remortgage an investment property.
Through our connections we can source finance from UK banks who offer bespoke mortgages & shorter term finance products designed specifically for internationally based clients, which often offer attractive interest rates and flexible loan terms.

Adverse Credit Mortgages

Whether you are a first time buyer or a homeowner looking to move or remortgage, if you have had bad credit, you may find it difficult to get a mortgage. Sometimes people get into debt through no fault of their own.
There are now several lenders who cater for people in this situation. We will search the whole of the market to ensure you get the best mortgage for your circumstances. In many cases we are able to place mortgages with well-known high street lenders that we have built relationships with.
Every case will be considered individually by our experienced team of advisors who will always be on hand with their impartial, expert advice to help you find the right mortgage and guide you through the whole process.

Equity Release

The issue with getting a mortgage in later years is providing income. There are many older people who find themselves in predicament – with little or no income because they are not working or relaying on a pension but with plenty of equity in their home, which lenders will not let them release because they haven’t got the income to support that borrowing. Many of these people would rather not sell up and downsize, leaving the family home in order to free up the cash to live on.

Lifetime mortgages introduce financial freedom into later life, whether travelling your dreams, renovating your home, supplementing your income, paying off an interest-only mortgage, or all of the above! They allow you to unlock the value of your home and turn it into a cash lump-sum or a regular income, tax free!

Be empowered by borrowing and repayment flexibilities, along with confidence that you have made the right decision.

The decision to take out equity release is often a family decision and it is usually a good idea if the borrower’s children or family members are also involved. The most popular option is a Lifetime Mortgage because there are no monthly repayments – instead the interest rolls up and is repaid when your property is eventually sold.

Alternatively, the exotically named RIO mortgage (Retirement Interest Only) might be more suitable if you can afford to pay the monthly interest from your retirement income.


At Domus Mea we believe that providing you with a mortgage is only half of the job, that’s why we take the time to discuss with you in details you protection arrangements as well. Whether it be replacing your income during long term sickness, accident or redundancy, providing for your partner and family in the event of serious illness or death or insuring your home and contents, we are able to guide you to the right solution for your individual circumstances.
Your individual needs and circumstances will change throughout your life – we will agree a regular review period with you in order to maintain suitable cover for you and your family, home and lifestyle. Below is a summary of the types of protection cover we will advise you on:

  • Life cover: provides a lump sum to your beneficiaries/family in the event of your death. Often this sum of money can be used to pay off a mortgage and/or provide for your family.
  • Critical illness cover: provides a lump sum in the event you are diagnosed with an illness from a specified list of illnesses – where the lump sum can be used for any purpose – including paying off some or all of your mortgage or paying for medical treatment.
  • Income protection: will pay an income to you, proportionate to your earned income, in the event you are unable to work due to ill health or incapacity. This could pay you until the end of your mortgage term or until you reach retirement – and without it you must rely on your own resources to maintain your mortgage payments, associated costs and lifestyle.
  • Building and Contents: buildings insurance is a requirement of all mortgage lenders, and will pay out a sum adequate to rebuild the property in the event the property is seriously damaged. Contents cover will insure your personal possessions stored within the home, which you have worked hard to accumulate.