Bright Money

Bright Money Independent Ltd, also known as BMI Money, was established in 2012 as a UK-based mortgage and protection adviser. The firm operates from its primary location in Thame, Oxfordshire, with its office situated at Suite 2a, Kille House, Chinnor Road, Thame, OX9 3NU. Despite its Oxfordshire base, Bright Money Independent extends its services to clients across the entire United Kingdom, offering national reach without geographical restrictions. The company's core business involves assisting individuals in securing suitable mortgage, remortgage, and insurance deals.

The firm's operational ethos is centered on providing clear, tailored financial solutions to its clientele. Bright Money Independent strives to make the often-complex process of buying or remortgaging a property as smooth and straightforward as possible for its clients. The company's advisers are committed to working in an open, frank, and honest manner, ensuring clients are fully updated throughout their engagement. A key aspect of their service delivery involves ensuring that clients comprehensively understand all recommended products and any associated risks.

The company offers flexible consultation options, including face-to-face meetings, telephone discussions, and email correspondence, with the added convenience of evening and weekend appointments. Bright Money Independent offers a comprehensive range of mortgage products and related financial advice. This includes tailored advice for first-time buyers navigating the property market, as well as services for those looking to remortgage existing properties. The firm possesses expertise in various buy-to-let mortgage options, encompassing standard buy-to-lets, let-to-buy arrangements, ex-council properties, limited company structures, Houses of Multiple Occupancy (HMOs), freehold flats, and short leasehold buy-to-lets.

Furthermore, the company specializes in high net worth mortgages, catering to individuals with substantial incomes, significant assets, or unique financial profiles. For these specialist clients, Bright Money Independent provides access to both mainstream high street lenders and niche high net worth lenders, facilitating complex property purchases such as listed buildings, mixed-use properties, or those with multiple income streams. The firm also provides mortgage capacity reports, particularly useful in divorce proceedings, and advises on equity release and lifetime mortgages. The company leverages over 200 years of combined in-house mortgage experience among its team of advisers, who have collectively assisted thousands of individuals in finding appropriate mortgage and life assurance deals.

This extensive experience contributes to the firm's reputation, which is supported by over 520 five-star reviews across platforms such as Google and Trustindex. Bright Money Independent actively engages in professional partnerships, collaborating with estate agents, accountants, commercial brokers, and property developers. These collaborations enable the firm to provide beneficial information to home buyers, assist accountants' clients with mortgages, and support property developers with securing mortgages for first-time buyers and movers, including help-to-buy equity loans and mortgage guarantees. The company also handles residential and commercial insurances.

While Bright Money Independent offers a broad spectrum of property-related financial services, its primary focus is not exclusively on Purpose-Built Student Accommodation (PBSA). The firm's expertise extends across various residential and investment property financing solutions, including comprehensive buy-to-let mortgage advice for different property types and structures. Their work with property developers also encompasses assisting with mortgages for new builds and various buyer incentives. The company's services are designed to address a wide array of client needs within the broader mortgage and protection market, rather than specializing solely in the student accommodation sector.