Dildar Photay – Trusted Mortgage Broker Wightwick, Wolverhampton

Wightwick is one of the areas where I provide expert mortgage and insurance advice. Based in Wolverhampton, I help clients in Wightwick and the surrounding West Midlands find tailored mortgage and protection solutions.

If you’re buying your first home, investing in property, or funding a renovation, I offer support from start to finish. I specialise in Residential, Buy-to-Let, Commercial, and Semi-Commercial mortgages. I also offer solutions for HMOs, bridging loans, and limited company purchases.

Bridging Finance in Wightwick and Beyond

Bridging loans are short-term loans used to fund property purchases quickly. They are often ideal for auction properties, chain breaks, or urgent investment needs. I help clients in Wightwick find suitable bridging loans with competitive rates and clear terms.

Many lenders require a solid exit strategy. This may include selling the property or refinancing onto a long-term deal. I guide you through each step, ensuring the loan fits your timeline and future plans.

Bridging finance can be complex. I break it down clearly and match you with lenders who understand your needs. Whether you’re developing a site, buying before a sale completes, or converting a property, I’m here to help.

Buy-to-Let and HMO Mortgages

Buy-to-Let and HMO properties are popular with investors in Wightwick. I support both new and experienced landlords in securing mortgage deals that suit their portfolio goals.

For HMOs, lending criteria may include planning permission, licensing, and rental income expectations. I work with lenders who specialise in this sector. This ensures you receive accurate advice and a product that meets your needs.

Whether you’re buying in your personal name or via a limited company, I help structure the application properly from the start.

Residential Mortgages Made Simple

Looking to buy or remortgage a residential property in Wightwick? I provide advice for first-time buyers, home movers, and those switching deals. I access a broad panel of lenders to find options that fit your budget and long-term plans.

Whether employed, self-employed, or with complex income, I help make your mortgage application straightforward. I’ll liaise with lenders, valuers, and solicitors to keep the process moving smoothly.

Commercial & Semi-Commercial Mortgages

If you’re buying a shop, office, or mixed-use property, I can help. I support clients in Wightwick who need funding for business premises or investments with both commercial and residential use.

Lenders often require business accounts, lease details, or forecasts. I’ll explain what’s needed and ensure your application meets all lending criteria. My goal is to secure the right funding with as little hassle as possible.

Limited Company Mortgages

Investing through a limited company? I can help arrange mortgages that align with your business structure. Many landlords use this route to benefit from tax efficiencies.

I’ll guide you through what lenders expect from directors, company accounts, and special purpose vehicles (SPVs). Whether you’re new to this approach or expanding an existing portfolio, I’m here to support you.

Protection and General Insurance

It’s not just about the mortgage – protecting your home and income matters too. I arrange life cover, critical illness, income protection, and building insurance.

Whether you’re buying a home or renting out property, I help ensure you’re covered against unexpected events. I compare policies to find suitable options based on your needs.

Locations I Also Cover

While I’m based in Wolverhampton and serve Wightwick, I also support clients in:

✔ Birmingham ✔ Coventry ✔ West Bromwich ✔ Solihull ✔ Walsall Oldbury ✔ Halesowen

These nearby areas benefit from my full range of mortgage and protection services.

Why Choose Dildar Photay?

I am a mortgage broker based near Wightwick, Wolverhampton, committed to providing clear, honest advice. I work hard to match each client with a lender who understands their needs. Whether you’re buying, investing, or refinancing, I offer tailored help from start to finish.

Let’s make your property plans happen with confidence and clarity.