Mortgage Broker in Dudley, West Midlands – Carl Pearce

Finding the right mortgage can feel complex. Carl Pearce, a mortgage broker in Dudley, offers clear guidance across specialist areas. His expertise covers commercial and semi-commercial mortgages, buy-to-let, HMOs, bridging finance, development finance, limited company mortgages, and general insurance.

Specialist Mortgage Advice in Dudley

As a mortgage broker in Dudley, Carl Pearce provides solutions tailored to landlords, developers, and investors. He understands lender criteria across the UK market, ensuring every application is prepared correctly from the start.

Nearby towns where his services are also available include:

• Wolverhampton
• Walsall
• Stourbridge
• Halesowen
• West Bromwich
• Kidderminster

Find a mortgage broker in Dudley.

Commercial and Semi-Commercial Mortgages

Carl supports clients seeking mortgages for shops, offices, and mixed-use premises. Semi-commercial lending can be complex, particularly when residential units are located above retail space. His knowledge helps ensure lenders assess both rental yield and business income accurately.

Buy-to-Let and HMO Mortgages

Landlords in Dudley often require guidance on buy-to-let and HMO properties. Carl provides tailored advice, whether financing a single rental or a licensed multi-let property. He highlights lender differences on stress testing, rental coverage, and licensing requirements.

Bridging Finance Expertise

Bridging finance is essential for property purchases that need speed or flexibility. Carl advises on short-term loans for auction purchases, refurbishment projects, and chain breaks. He ensures terms, exit routes, and costs are explained clearly, reducing risk for investors and developers.

Development Finance

Property development in the West Midlands is growing. Carl assists clients with funding for new builds, conversions, and large renovation projects. Development finance requires clear exit planning, realistic costings, and strong lender trust. Carl prepares detailed cases that help secure approval.

Limited Company Mortgages

Many landlords now use limited company structures for property investment. Carl advises on suitable mortgage products available for these setups. He ensures applications meet lender criteria for both personal guarantees and company ownership arrangements.

General Insurance

Alongside mortgages, Carl offers guidance on essential insurance products. This includes landlord cover, property protection, and income safeguards. His goal is to provide clients with peace of mind while safeguarding their investments.

FCA-Regulated and Transparent

Carl Pearce is FCA-regulated, offering advice that prioritises client needs. Every recommendation is explained without jargon. Clients receive clear, regulated advice designed to meet both personal goals and strict lender requirements.

Why Choose a Mortgage Broker in Dudley?

Working with Carl means more than comparing rates. He provides complete support, liaising with solicitors, valuers, and lenders, to ensure cases progress smoothly. His in-depth local knowledge of Dudley and nearby towns helps clients make confident property decisions.