Who we help
A Mortgage Advisor for Indians in the UK Who Understands Your Journey
Visa friendly lenders, deposits from India handled properly, and advice in your language.
Buying a first home in Britain is a different exercise when you arrived here for work. The vocabulary is unfamiliar, your credit file is younger than your career, your deposit may be sitting in a bank account four thousand miles away, and the lender your colleague recommended may not accept your visa at all.
None of that makes buying harder than it should be. It makes choosing the right lender the whole task, and that is what a broker is for. Our advice costs you nothing, because lenders pay us when your case completes.
Wherever You Are in the Journey
On a work visa
Skilled Worker and Health and Care Worker mortgages placed every week.
Working in the NHS
Bank shifts, unsocial hours and overtime counted properly.
Deposit from family
Gifted deposits from India handled with the right paperwork.
Prefer your language
Full advice available in Malayalam and Hindi.
The Four Things That Come Up Most
Your visa. There is no rule preventing a visa holder from buying in the UK. What changes is the size of the lender pool, and some lenders will consider you within your first year here. Waiting years for indefinite leave to remain purely for the mortgage is rarely necessary.
Your credit file. Arriving resets it, even if your record in India was excellent. Lenders cannot see that history, so your case is built on payslips, bank statements and rent paid on time.
The deposit. Money gifted from family overseas is accepted every week of the year, provided the trail is clean: statements from the giver, a signed gift letter, identity documents and one traceable transfer.
Your income. If you work in the NHS or technology, a meaningful share of your pay may sit outside basic salary. Different lenders count overtime, bonuses and shift enhancements very differently, which can move your borrowing figure by tens of thousands.
Offices in Bristol and Gloucester, Advice UK Wide
Bristol
Suite 8, The Old Church, 113A Gloucester Road North, Filton, BS34 7PT
Gloucester
Unit 4, St. James Court, 285 Barton Street, GL1 4JE
Most of our clients never need to visit either office. We advise families from Leicester to Slough to Manchester by phone and video, at times that fit around shift work.
Frequently Asked Questions
Do I need to visit an office in person?
No. We advise across the whole UK by phone and video. The Bristol and Gloucester offices are there if you prefer to meet.
Can family in India be part of the process?
Yes, particularly around deposits. We are happy to join calls with family overseas and explain things in Malayalam or Hindi.
Is advice really free?
Yes. We are paid commission by the lender when your case completes, and we disclose the amount in writing.
How soon after arriving can I buy?
Some lenders will consider you within your first year, especially with a larger deposit. At two to three years most of the market is open.
Can we buy jointly if only one of us has settled status?
Yes, and it usually widens the lender choice considerably compared with two visa holders applying together.