Vincent Burch

Vincent Burch Mortgage Services operates as an independent mortgage broker, providing typically fee-free advice to clients across the United Kingdom. The firm specialises in assisting customers with a range of property finance needs, including securing residential mortgages, remortgage deals, Buy to Let investments, and commercial property finance. The company's approach involves a thorough understanding of each client's specific requirements, enabling its team to search the entire market to identify and secure appropriate finance deals. The origins of Vincent Burch Mortgage Services trace back to 2002 when Vincent Burch, the founder, commenced his career as a mortgage broker.

His early career predated the comprehensive regulation of mortgages by bodies such as the MCOB, FSA, and the current Financial Conduct Authority (FCA). In 2003, Mr. Burch further developed his expertise by joining The Mortgage Times as a Business Development Consultant. Following a successful career across several financial organisations, Vincent Burch Mortgage Services was formally launched in 2014.

The firm's dedicated team of specialists collectively brings over 200 years of combined experience in mortgage finance. As an independent mortgage broker, Vincent Burch Mortgage Services maintains the flexibility to access a broad spectrum of mortgage products from across the entire market, rather than being confined to a limited panel of lenders. This independence allows the company to establish relationships with hundreds of lenders, some of whom offer exclusive mortgage products not widely available elsewhere. The firm is authorised and regulated by the Financial Conduct Authority (FCA), operating under registration number 970713.

It is important to note that Buy to Let (pure) and commercial mortgages are not regulated by the FCA. The company prides itself on simplifying the complex mortgage process and delivering personalised, expert advice to its clientele. Vincent Burch Mortgage Services demonstrates particular expertise in the Buy to Let and commercial property finance sectors. For landlords and property investors, the firm offers specialist advice on Buy to Let mortgages, covering various types such as consumer Buy to Let, limited company Buy to Let, and solutions tailored for portfolio landlords.

The company also provides services for Houses in Multiple Occupation (HMO) mortgages, which are specifically designed for properties rented to three or more unrelated tenants, including students or professionals, and require specialist underwriting due to their inherent complexities. Furthermore, the firm facilitates commercial mortgage finance for businesses seeking to invest in non-residential properties, such as office buildings, shopping complexes, or industrial units. These commercial mortgages typically involve different terms, including higher interest rates and various associated fees, compared to traditional residential mortgages. The company also offers Buy to Let bridging loans, which serve as short-term finance solutions for scenarios like auction purchases or property refurbishments, before a transition to long-term mortgage arrangements.

The company's operations are primarily based out of its Norwich office, with additional team members located in London and the South East, enabling the firm to serve clients nationwide. Vincent Burch Mortgage Services aims to provide a service that is typically fee-free, with approximately 90% of its clients not incurring a broker fee. In instances where a fee may be applicable, usually due to the size of the advance or the complexity of the case, the adviser confirms any charges upfront. The firm places a strong emphasis on client satisfaction, evidenced by feedback indicating that 98% of its clients recommend their services.