Mortgage Broker in Buckinghamshire

Expert mortgage advice across Buckinghamshire. From high value properties in Beaconsfield and Gerrards Cross to buy-to-let investments in Marlow — WIS Mortgages handles complex Buckinghamshire mortgage cases with specialist lender access.

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FCA
Authorised Broker · Reg 824411
90+
Lenders · Whole of Market
5.0★
Google Rated · 400+ reviews
Daily
Complex Cases · Approved

Local insight

Mortgages in Buckinghamshire

Buckinghamshire is home to some of the most affluent communities outside London including Beaconsfield, Gerrards Cross and Amersham which consistently rank among the most expensive towns in the UK outside central London. The county attracts company directors, senior executives and high net worth buyers who need specialist mortgage advice beyond standard high street products. WIS Mortgages specialises in the complex cases common in Buckinghamshire including Limited Company Director Mortgages, mortgages using multiple income streams, High Net Worth Mortgages and Buy-to-Let Mortgages for the strong Buckinghamshire rental market.

Mortgage Services in Buckinghamshire

Whether you are buying, remortgaging or investing, we handle the complex cases others decline.

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First-Time Buyer Mortgages

Buying your first home with as little as 5% deposit.

Learn more Contractor Mortgages

Day rate used for affordability. IR35 and umbrella accepted.

Learn more Foreign National & Visa Mortgages

Skilled Worker, Spouse and Tier 2 visa holders accepted.

Learn more Self-Employed Mortgages

One year accounts considered. Directors and sole traders welcome.

Learn more NHS & Key Worker Mortgages

Borrow up to 5.5× income. Overtime and shift pay included.

Learn more Buy-to-Let Mortgages

Standard BTL, HMO, SPV and holiday let mortgages.

Learn more Remortgage

Fixed rate ending? Compare 90+ lenders. Lock and switch.

Learn more Bridging Loans

Auction purchases, renovations and chain breaks.

Learn more

Areas We Cover in Buckinghamshire

We support clients across the whole of Buckinghamshire and the surrounding area - from city-centre flats to suburban family homes.

01
Beaconsfield
Premium commuter town, high net worth and director mortgage cases
02
Gerrards Cross
Exclusive residential area, complex income and high value mortgages
03
Amersham
Metropolitan line village, self-employed and contractor mortgages
04
Marlow
Thames-side market town, buy-to-let and residential mortgages
Active coverage
Coverage zone · Buckinghamshire
4 areas · Multiple postcodes
Nationwide adviser network

Why Buckinghamshire Clients Choose WIS Mortgages

Specialist whole-of-market expertise, an FCA-regulated team, and a track record of saying yes to the cases that get declined elsewhere.

Complex Cases Welcome

Foreign nationals, contractors, self-employed and NHS workers - we handle the cases others decline.

01 - Approval First

Whole of Market Access

We compare 90+ lenders including specialist lenders not available on the high street.

02 - Lender Network

FCA Regulated

Authorised and regulated by the Financial Conduct Authority. Register number 824411.

03 - Regulatory

Ask how MortgagX works with advice from our team.

Open our Contact page on this site - message or request a callback and we will outline MortgagX alongside broker-led mortgage support.

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“Three lenders said no because of my contractor day rate. WIS got us approved in nine days on a property we'd already lost twice.”

Priya R.
IT Contractor
9 days
Offer to Exchange
£485k
Loan Amount
5.5×
Income Multiple
Case file
Property typeFlat (period conv.)
Income basisDay rate × 5
Deposit15%
LenderSpecialist · Top-5
Initial rate4.89% / 5y fix
Q.01
Can I get a high value mortgage in Buckinghamshire?
Yes. Buckinghamshire has some of the highest property values in the UK outside central London particularly in Beaconsfield and Gerrards Cross. WIS Mortgages handles High Net Worth Mortgages, Large Mortgages above £1 million and complex income cases for company directors and senior professionals.
Yes. Our Limited Company Director Mortgages assess income using salary plus dividends or salary plus retained profit depending on the lender. Buckinghamshire has a high concentration of company directors and self-employed professionals and we handle these complex income cases regularly.
Average house prices in Buckinghamshire vary significantly from around £350,000 in parts of the county to over £1.5 million in Beaconsfield and Gerrards Cross. Most specialist lenders offer 4 to 5 times income depending on profession and income structure.
Average house prices in Buckinghamshire vary significantly from around £350,000 in parts of the county to over £1.5 million in Beaconsfield and Gerrards Cross. Most specialist lenders offer 4 to 5 times income depending on profession and income structure.
Yes. Buckinghamshire offers strong rental demand particularly in towns with Metropolitan line and Chiltern Railways connections to London. We offer Standard Buy-to-Let Mortgages, HMO Mortgages and SPV Mortgages through a limited company for Buckinghamshire landlords.
From application to mortgage offer typically takes 2 to 4 weeks. Completion takes a further 4 to 8 weeks depending on the property chain. Complex cases including director mortgages, high value properties and multiple income stream cases may take slightly longer due to specialist underwriting requirements.

Find Out How Much You Can Borrow in Buckinghamshire

Use our free mortgage affordability calculator. No credit check, no contact details required - just an honest indication of what 90+ lenders could offer you today.

Try the Calculator
AffordabilityLive preview
Annual income£72,000
Deposit£48,500
Term30 years
Income basisContractor
Max borrowing
£396,000

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