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Are you searching for mortgage brokers in Milton Keynes who can guide you through the home-buying or remortgaging process? I’m Hristina Hristeva, a dedicated mortgage and protection adviser committed to helping individuals and businesses secure the right mortgage solutions to suit their financial needs.
With extensive experience in residential and commercial mortgages, buy-to-let finance, protection plans, second-charge loans, and bridging finance, I offer tailored solutions that go beyond what’s available from lenders directly or comparison websites. My goal is to ensure you find a mortgage that aligns with your financial goals while making the process as smooth as possible.
As a mortgage and protection specialist, I provide clear, honest guidance to first-time buyers, home movers, property investors, and those looking to remortgage. I take the stress out of securing a mortgage, ensuring you understand your options and make informed decisions at every stage.
Milton Keynes is one of the key areas where Hristina Hristeva offers tailored mortgage solutions. Based in Milton Keynes, Buckinghamshire, Hristina provides expert advice across residential, commercial, and semi-commercial lending.
Clients in Milton Keynes benefit from a local broker who understands regional property trends, UK lending rules, and the exact documents needed to secure finance efficiently.
As a mortgage broker in Milton Keynes, Hristina Hristeva delivers personalised guidance for a variety of mortgage types:
Residential mortgages for first-time buyers and movers
Buy-to-let loans for landlords across Buckinghamshire
HMO finance for property investors managing multiple occupants
Semi-commercial and commercial mortgages for mixed-use and business premises
Limited company mortgages for tax-efficient investing
Second charge loans for accessing equity without remortgaging
Bridging finance for time-sensitive purchases
General insurance including buildings, contents, and landlord policies
Each case is matched to lenders who understand local postcodes, property types, and business use.
Bridging loans are often used when speed is vital, such as buying before selling, securing auction property, or funding conversions.
Hristina helps clients in Milton Keynes secure bridging finance with:
Quick approvals and flexible repayment terms
Short-term loan options from trusted UK lenders
Clear criteria based on property value, not income
Assistance with exit strategies like resale or long-term refinance
Clients are guided through each step—from application to exit—ensuring compliance with FCA rules and lender standards.
Clients from surrounding areas also benefit from Hristina’s mortgage advice. These include:
Newport Pagnell
Bletchley
Leighton Buzzard
Towcester
Buckingham
Bedford
Whether buying a cottage in Buckingham or converting a retail space in Towcester, help is available locally. Find a mortgage broker in Milton Keynes.
Every mortgage or insurance product offered by Hristina Hristeva is based on FCA-compliant advice. This means:
No commission-based recommendations
Full transparency on fees and lender terms
Guidance tailored to your income, credit profile, and goals
Buyers in Milton Keynes and across Buckinghamshire receive financial advice that meets strict UK regulatory standards.
Hristina Hristeva speaks both English and Bulgarian, supporting a wider client base in Milton Keynes.
For Bulgarian-speaking clients, this means:
Mortgage advice is explained clearly in their native language
Complex paperwork is easier to understand
Communication with lenders remains accurate and stress-free
This bilingual service improves understanding and confidence throughout the process.
Choosing a broker in Milton Keynes, Buckinghamshire brings important advantages:
Local lenders familiar with regional prices and properties
Faster turnaround due to knowledge of local solicitors and surveyors
Advice shaped by local market demand and investment trends
Clients benefit from advice that reflects their town, street, and type of property.
Whether you’re buying your first home in Milton Keynes, refinancing a buy-to-let in Leighton Buzzard, or securing bridging finance for a property in Newport Pagnell, Hristina Hristeva is here to help.
Book your free consultation today and receive straightforward, UK-compliant advice tailored to your needs.
Many thanks for Hristina and Ralitsa for supporting in this process and everything to be easy like this . They explain exactly what needs to be approved i recommended with 2 hands .
Mihaela Georgieva
We could not express our gratitude for the services of the Onyx Finance team! To Hristina and Ralitsa - thank you, words are few, really! You are magicians, making dreams come true! Rare people, first of all! Extremely knowledgeable and capable! Adequate and available to answer all questions and guide you through this stressful process! We wish you much success in your professional life and personal happiness! Slavyana and Hristo
SD
Hristina has been absolutely amazing—so knowledgeable, helpful, and always quick to answer any questions we had. A big thank you as well to Ralitsa for her incredible help in securing our mortgage. As first-time buyers, we had tons of questions, but Hristina was always there for us, going the extra mile and keeping us updated every step of the way. It made such a difference and gave us real peace of mind throughout the process. We’re very happy with the fantastic service and advice we
Paola George
Amazing company and team! We are so happy with the Onyx Financial Ltd, as a first time buyer we had a lot a questions and concern through the process they was all the time in touch with us. Unfortunately the first deal was rejected and we have to go through the process again, but our mortgage advisor Hristina Hristeva give a huge support. We are lucky to work with this mortgage company and would like to say massive THANK YOU! Definitely will recommend the company!
Albena Yosifova
Great service! Highly recommended Hristina and all at Onyx- financial.
Militsa Petrova
So happy with their service I can't recommend Onyx Financial highly enough. From the very first conversation, they were professional, knowledgeable, and incredibly responsive. Navigating the mortgage process can be overwhelming, but Hristina and Ralitsa made everything feel clear and manageable. What truly stood out was how personalized the service was—Ralitsa and Hristina took the time to understand my situation and goals, offered honest advice, and found the best possible deal for my circumstances. Every step of the way, I felt supported and informed, with regular updates . Whether you're a first-time buyer, refinancing, or moving up the ladder, you're in safe hands. I wouldn't hesitate to work with Onyx Financial again or recommend them to family and friends. Thank you for making what could have been a stressful experience so smooth and successful!
Raya r
Incredible Mortgage Experts We extend our sincere appreciation for the outstanding service we received from Onyx Financial Ltd. From our very first contact, it was a genuine pleasure to work with them. Their unwavering professionalism, efficiency, and dedication throughout the entire mortgage process were truly remarkable. We were particularly impressed by their consistently clear and timely communication, which provided us with immense assurance and peace of mind every step of the way. What could have been a complex and stressful experience was, thanks to them, incredibly smooth and straightforward. We are truly grateful for their support and highly recommend their services to anyone in need of mortgage advice. Thank you again for everything!
Natalia Turcanu
Outstanding service I had an excellent experience working with Onyx Financial. They were incredibly helpful and efficient throughout the entire process. Their team was always quick to respond and ready to assist with anything I needed, which made everything smooth and stress-free. It’s rare to find a company that combines professionalism with such prompt and friendly service. I highly recommend Onyx Financial to anyone looking for reliable assistance—you won’t be disappointed.
Ralitsa Kaloyanova
Best mortgage adviser Fantastic experince with Onyx Financial. Highly reliable and professional team. Hristina was amazing - very knowledgable and helpful. She was very quick to answer any questions we had. Thanks to their expertise we were able to buy our first dream home. Highly recommend Onyx Financial to anyone looking for a professional and trustworthy mortgage adviser..If there was a option we were going to rate them with 10 stars. Thank you very much Onyx Financial for making our dream a reality. Valentina and Dimitar
VALENTINA DZHALOVA
We’ve finally got the keys to our new… We’ve finally got the keys to our new home, thanks to the professional services of Onyx Financial. Hristina and Ralitsa kept me informed throughout the entire process, always providing updates, advice, and support. They’re incredibly friendly and approachable, always available when needed. They also recommended excellent solicitors and insurance agents, which really simplified everything for me. All I had to do was follow their guidance, and the process became much smoother. I’m truly happy we chose their services, and I wouldn’t hesitate to do so again in the future. Don’t think twice about getting in touch with them—you won’t regret it for a second. Thank you once again, from my whole family. All the best, Hris
Hrisimir Vasilev
I am extremely pleased with the… I am extremely pleased with the exceptional service provided by Hristina Hristova and her team. Throughout the mortgage process they were always available to answer our questions, providing clear and concise explanations that made the complex process easy to understand. Their professionalism and deep understanding of the mortgage market instilled confidence in me , making the entire experience stress- free . Thank you to Hristina’s diligent efforts, I secured a mortgage with favourable terms that perfectly suit our financial situation. I highly recommend Hristina and her team to anyone seeking a knowledgeable and dedicated mortgage advisor. Biggest thanks for Vladimir and Emine
Emine Ormanova
is is an Appointed Representative of Connect IFA Ltd 441505 which is Authorised and Regulated by the Financial Conduct Authority.
