"How can we help you?"

Page served May 19, 2025
How can we help you today?

Easy and simple as 1,2,3 !

1

Call or email us to discuss your circumstances and mortgage needs

2

Provide your details, inc earnings & outgoings, any key facts etc.

3

We get hard at work finding the right deal for you !

For Impartial Mortgage advice

.

People just like you, that wanted the assurance of dealing with someone,

that would listen. to what they wanted…

Mrs  T
Mrs T
Doncaster - May 2024
Fantastic personal service. Nothing was too much trouble and David did all the monitoring and chasing for me throughout the transaction so I was up to date with everything. ....David explained all my options and also took time to speak with my family to help me ensure that I was making the best choices. Would highly recommend David without hesitation
Mr & Mrs B
Mr & Mrs B
South Yorkshire - 6th Feb 2024
We recently had the pleasure of working with David Farrell the owner of Quest Finance, and it was a fantastic experience from start to finish. He had previously helped our Mum with her Equity release. So when we looked at Equity Release ourselves we knew who we could trust ....... We absolutely recommend David Farrell & Quest Finance– a solid 5 out of 5 stars from us!
Mr  S
Mr S
Doncaster - March 2024
......After ten minutes in David’s company, I soon understood that he is just the kind of person to dispel many of the common misconceptions surrounding these professions. Even though his ‘modus operandi’ is strictly regulated by legislation and financial watchdogs...... He was thorough, meticulous, sensitive to my needs and was very detailed in outlining .....
Mr & Mrs B
Mr & Mrs B
Nottinghamshire - Feb 2023
Fantastic service from start to finish, if i could give 6 stars I would, David explained the whole process of equity release making it easy to understand and answered any query I had immediately. I would highly recommend Quest Finance to guide you through the minefield of equity release any day . Thanks David.
Mr G
Mr G
Yorkshire - Oct 2023
David was very prompt for appointments . Very approachable spoke in terms that could be easily understood. Explained thoroughly the step by step process of everything that was happening and the pros and cons of the product. Would highly recommend David to anyone.
Mr F
Mr F
Notts - June 2023
David Farrell was excellent to deal with. He was always punctual, polite and very knowledgeable regarding equity release. David explained the pros and cons in a simple and understandable way 10/10 for David
Mr H
Mr HDoncaster - April 2023
In dealing with my equity release David Farrell was absolutely superb in explaining to me all the ins and outs of the system in plain English. I would recommend him to anyone that is thinking of doing this. any questions i asked him were answered precisely.A very knowledgable gentleman thank you David..
Mr H
Mr H
Yorkshire - April 2023
No sharks here just a gentleman who knows the business and is on your side.David will explain everything to you ,go through the market and make sure you have the best deal for you .Ours was not straight forward with having a pylon near by which equity firms do not like and actually negotiated with them for a better deal than what they had stated.David is the top man believe me don’t look any further

find out how much YOU can borrow !

give us a call !

AffordAbility+ get upto 7 x income

A lender will now offer upto 7 X Joint Income – Boosting affordability for First Time Buyers and Homemovers alike!

You have to take the lenders 10 year fixed rate – but the boost in borrwoing could be just what you need to get that new dream home ! 

Examples

With an average high-street lender, two borrowers on a combined £60k salary could borrow £310k.

With AffordAbility+ they could borrow over £393k – that’s a whopping +£83k more.

To break it down:

  • The average on the high street (of the big six) would be £310k.
  • Two clients with a £60k combined salary at 80% LTV could borrow up to £393,658 with our current 10 year product (5.45%).
  • For example, with HSBC the loan size would be up to £285k and with Barclays or Santander up to £300k.

 

The  products offer certainty and if life changes, we provide the flexibility of no ERCs when moving home or making uncapped overpayments.

Key Requirements

  • Household income of £50k + per annum  ( £50k can be from single or joint incomes combined )
  • Employed & Self employed ( S/E is average of last 2 years tax returns)
  • No Adverse credit, ccjs, defaults or arrears in last 3 years
  • Max LTV = 85%  purchases  & remortgages
  • (Interest only available max 60% LTV & min equity £200k ) 

Self employed with 1 years accounts or more ?

give us a call !

Self Employed with 1 years accounts ?

Self-Employed? Getting a Mortgage Doesn’t Have to Be This Hard…
 
If you’re self-employed, you’ve probably heard it before:  “It’s harder to get a mortgage when you work for yourself.”   Maybe you’ve even felt like you’re being punished for running your own business… and you’re not alone.
 
Did you know that
  • 34% of self-employed people have never even applied for a mortgage?
 
Why? Because nearly a third of them believe they won’t be approved.
 
  • Another 26% said they’ve heard horror stories—that the process is harder, slower, more complicated just because they’re self-employed.
  • And 15% said they didn’t even try, because their business was under two years old and they thought they wouldn’t qualify.
 
That’s not just disheartening—it’s costing people their chance to buy a home.
 
The Problem Isn’t You. It’s the System.
 
When asked about the biggest obstacles they faced, self-employed clients said:
 
  • 25% found it hardest just to locate a lender who’d even work with them
  • 18% struggled to find a broker who understood how self-employment works
  • 28% were unclear about what documents they’d need or how to present their income properly
  • And nearly 50% said the toughest part was saving for a deposit while juggling the ups and downs of running a business
That’s Where I Come In.
 
I specialise in helping self-employed individuals—business owners, freelancers, contractors—secure mortgages that truly fit their income patterns and life circumstances.
 
With over 24 years’ experience and dozens of 5-star reviews, I know how to:
 
  • Match you with lenders who actually want to work with self-employed borrowers
  • Guide you through what paperwork you’ll need (and avoid asking for anything unnecessary)
  • Help you present your income in the best possible light—even if your finances look “non-traditional”
  • Support you through the entire journey—from first enquiry to offer accepted
 

Mortgage Advice how brokers can help.

Navigating the mortgage process can be daunting, but working with mortgage advisers can make it more manageable. Mortgage brokers are professionals who act as intermediaries between borrowers and lenders, helping individuals find suitable mortgage options based on their unique financial circumstances. Here are some benefits of working with a mortgage broker when seeking a mortgage with a bad credit score:

Adverse Credit? You’re Not Out of Options — You Just Need the Right Lender.

At Quest Finance, we specialise in helping people who’ve had credit issues in the past—whether it’s a few missed payments or a major life event that threw everything off track. Getting a mortgage with adverse credit isn’t impossible—it just means working with someone who knows how to navigate it.

And guess what? We do.

with access to a wide range of lenders: Mortgage brokers have access to an extensive network of lenders, including those specializing in mortgages for individuals with low credit scores. This increases the chances of finding a suitable mortgage option.

6 Powerful Reasons to Trust Us with Your Adverse Credit Mortgage

  1. Defaults? CCJs? Not a Deal Breaker – We work with lenders who will still consider you with up to 6 defaults or CCJs in the last 3 years. Even if they’re not satisfied yet—we’ve still got options at up to 75% LTV.
  2. Missed Payments? You’re Not Alone – Even if you’ve had secured arrears or missed payments, lenders may accept you with just 13–24 months’ clear history, depending on your profile.
  3. Discharged from Bankruptcy or IVA? Welcome Back.  – If you’ve been discharged from Bankruptcy, DRO, IVA, or a Trust Deed for over 3 years, you can qualify for mortgages up to 75–85% LTV. That’s real progress.
  4. Still in a Debt Management Plan? You’re Still in the Game  –  Some lenders we work with will still consider you even if your DMP is active—as long as you’ve kept up payments. You don’t have to wait years to move forward.
  5. Payday Loans? We Won’t Judge   –  Used payday loans in the last year? We’ve got lenders who accept current usage—even when many others would automatically decline you.
  6. Up to 90% LTV Available — Even with a History  Depending on your circumstances, you could still get up to 90% loan-to-value. That’s just a 10% deposit—even with past credit issues.

No Judgment. Just Solutions.

Expert guidance and knowledge

Expert guidance and advice: Mortgage brokers are knowledgeable about the mortgage industry and can provide valuable guidance and advice throughout the application process. They can help individuals understand the impact of their credit score, suggest strategies for improvement, and assist with assembling the necessary documentation.

time-saving for you!

Time-saving: The mortgage application process can be time-consuming and complex. Mortgage brokers streamline the process by handling paperwork, communicating with lenders, and ensuring all necessary documentation is submitted correctly and on time.

 

Working with a mortgage broker can alleviate the stress and uncertainties associated with securing a mortgage with a bad credit score. Their expertise and industry connections can greatly improve the chances of obtaining a favourable mortgage despite the credit challenges.

Equity Release and lifetime mortgage-advice-london

Exploring alternative mortgage advice options for high net worth individuals

Mortgage advice for High net worth individuals who have low credit scores often face unique challenges when seeking a mortgage. Traditional lenders may be hesitant to provide financing due to credit concerns, even if the individual has substantial assets. However, there are alternative mortgage options available for high net worth individuals with low credit scores:

Credit scores impact mortgage eligibility.

If you’re looking for Mortgage Advice perhaps you are looking to become a first-time homeowner. so it may seem that certain obstacles may come your way, especially if you have a low credit score. Don’t panic, though! Your credit score is a critical factor in determining your eligibility for a mortgage, and it helps lenders evaluate the level of risk involved. Knowing how credit scores work and how they affect your mortgage application is crucial.

Your credit score is calculated using various factors such as payment history, credit utilization ratio, and length of credit history. additionally, it also covers new credit accounts and credit mix. This information is analyzed by credit bureaus like Equifax, Experian, and TransUnion to generate a three-digit score. The higher the credit score, the better the chances of getting a mortgage with favourable terms.

We understand it can be hard if you’re dealing with a low credit score, but don’t worry, there are ways to improve it. Having a low credit score doesn’t mean you’ll get outright rejected for a mortgage. It just means you might have higher interest rates and stricter conditions. Therefore, it is essential to take proactive steps to improve your credit score before applying for a mortgage and to get good mortgage advice.

why mortgage advisors can help

  1. When it comes to finding the best mortgage lenders in your area, a mortgage advisor can be an invaluable resource. With their expertise and knowledge of the local market, they can guide you through the process and help you make informed decisions. Whether you’re a first-time homebuyer or looking to refinance. A mortgage advisor can provide personalized recommendations based on your specific needs and financial situation.
  2. If you’re in search of low-rate mortgages, it’s essential to consult with mortgage advisers near you. These professionals specialize in connecting borrowers with lenders who offer competitive interest rates. By working with a mortgage broker, you can access a network of lenders and gain access to exclusive deals that may not be available to the public. Their expert advice can help you navigate the complexities of the mortgage market and secure a loan that aligns with your financial goals.
  3. Don’t underestimate the value of speaking to a mortgage advisor when it comes to finding the best mortgage lenders. With their in-depth knowledge of the industry, they can provide valuable insights and guidance throughout the entire process. From assessing your financial situation to comparing loan options, a mortgage advisor can help you make well-informed decisions that will save you both time and money in the long run. Their expertise can be particularly beneficial if you’re a first-time homebuyer or if you’re looking to refinance your existing mortgage.
  4. When you’re on the hunt for low rate mortgages, reaching out to a mortgage broker near you is a smart move. These professionals have a finger on the pulse of the mortgage market and can help you find lenders who offer competitive rates. By leveraging their expertise, you can increase your chances of securing a loan with favourable terms and conditions. A mortgage broker can also assist you in navigating the application process, ensuring that you provide all the necessary documentation and meet the lender’s requirements.
Equity Release and lifetime mortgage-advice-london
Equity Release and lifetime mortgage-advice-nottingham