Welcome to Penny House Financial Services
Buying a property is probably the biggest financial transaction and commitment you’re ever likely to undertake. That’s why it’s so important to take advice from a professional mortgage broker like Penny House Financial Services. Our expert team have years of experience in helping and advising clients in London, Oxfordshire and Buckinghamshire to make the right purchasing decisions for mortgages and insurance protection. We also offer a range of other services through third parties.
Tailored services to meet your individual needs
In recent years, changes to financial legislation have made it harder to get a mortgage. Stringent lending criteria have placed restrictions on borrowers, making the process more challenging for foreign nationals or individuals with a complex income structure.
Here at Penny House, we’re not tied to any one lender. We have access to the whole mortgage market, which means we can act entirely on your behalf. It’s our mission to represent your best interests and find the most appropriate mortgage quotes for your personal situation.
Our clients come from all walks of life and we can provide anything from a simple residential mortgage for a first-time buyer to more complex financial solutions for investors, landlords and business owners.
Help and advice you can trust
It’s easy to be confused by the many different types of mortgages that are available. And whilst it can be tempting to simply look for the lowest headline interest rate, this isn’t always the best option. Once you add in factors like booking fees, arrangement fees, conditional insurances, higher lending charge premiums and early repayment charges, some products aren’t as attractive as they look at first.
This is where Penny House Financial Services can help. With our deep understanding of the UK mortgage market, we can help you see the wood for the trees. Our friendly team are committed to giving you the best possible service – guiding you through what could otherwise be difficult and confusing decisions, and providing honest, tailored advice that meets your needs.
Sofia was amazing and i wish i had been introduced to her earlier. She is very tenacious and determined even when I had given up. When I was put in touch initially I had had alot of difficulty even when using another broker and one of my main options had outright declined me. She pushed ahead, gave me all the advice and was always available, going the extra mile when needed. I get my keys today on the house I wanted, amazingly with a mortgage provider that had already declined me. Reach out to Sofia early on in the process if you would like a hassle free experience.
Sofia was amazing and did all the leg work! Very good. M.Shaw, June, 2018
Easy, quick, fantastic organisation and helped to us to find the perfect mortgage to suit our requirements. Would 100% recommend. P. Schmidt, October, 2017
Big thanks to Sofia Jones at Penny House for the professionalism and the speed in getting us our new mortgage. We were recommend to her through our estate agent and we are so glad we took his advise! Thanks again. L. Nicholson, January, 2018
Sofia was brilliant. I was having difficulties getting a mortgage prior. Then I was introduced to Sofia and to be honest I wish I had been introduced months ago. My mortgage was sorted within a week. Good service, lovely lady and it was all stress free. Would definitely recommend to family and friends. Wooooo Hoooo Sofia. M. James, July, 2018
Sofia has been amazing over the past 6 months! She has put up with me on the phone stressing out while asking all sorts of questions! She not only went miles further than she needed to but I always got off the phone knowing that she is great at her job and ACTUALLY cares about her clients! I would never consider calling any one else and would 100% recommend her in the future! Thanks for making a ridiculously stressful period a little less stressful. M. Rowe, October, 2018
Sofia has made finding my buy to let / residential mortgages hassle free. Great rates, easy communication and quick turnaround. I will be using Penny House in the future and recommend to anyone who asks. S. Beattie, August, 2018
Would highly recommend Sofia she has made the whole process stress free! S. Jones, July, 2018
Exceptional service. Everything to do with our mortgage was hassle free, mainly thanks to Sofia. Wether weekday or weekend we could always get hold of her for advice or just for an update. Would highly recommend! J. Rookley June, 2018
Just received our Mortgage offer today and over the moon, this was only because of Sofia's determination, dedication and going that extra mile for us. Sofia has been amazing and I can't recommend anyone more. You need help with your mortgage this is your lady. F. Tench, October, 2018