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Mortgage Broker in Milton Keynes

Hristina

Hristeva

Location:

Buckinghamshire

Additional Language(s):

Bulgarian.

Qualifications:

CeMAP

Appointment Options:

 
Online, Telephone

Gender:

Female
Onyx Financial logo featuring a purple shield with a key icon and the company name “Onyx Financial.” in bold purple text.
Hristina’s top skills:
Provides tailored mortgage guidance for homebuyers, landlords & property investors with clear support throughout the application process.
Supports landlords securing HMO & limited company mortgage solutions based on lender criteria, affordability & investment goals.
Delivers structured guidance on bridging finance, commercial mortgages & second charge borrowing for varied property requirements.
Contact Hristina

Member of:

More about Hristina:

Hristina Hristeva, Founder of Onyx Financial LTD and Mortgage Broker in Milton Keynes

 

Hristina Hristeva is the Founder of Onyx Financial LTD and an experienced mortgage broker based in Milton Keynes. She provides clear, structured mortgage advice to individuals, landlords, and property investors across Buckinghamshire and surrounding areas. Hristina supports clients with a wide range of property finance requirements while ensuring recommendations remain suitable, affordable and aligned with current UK lending criteria.

She speaks both English and Bulgarian, helping clients feel informed and supported throughout the mortgage process.

Residential Mortgages, HMO Mortgages, Buy-to-Let Mortgages, Limited Company Mortgages, Commercial Finance, Bridging Finance, Second Charge Mortgages & General Insurance

Mortgage advice is tailored to individual circumstances and provided in line with UK regulatory standards.

Mortgage Advice in Milton Keynes and Surrounding Areas

If you are searching for a mortgage broker in Milton Keynes, it is important to work with an adviser who takes the time to understand your financial position, property goals and long-term plans. Hristina works with first-time buyers, home movers, landlords, property investors and clients looking to refinance existing borrowing.

Recommendations are based on affordability, lender criteria and suitability. Where appropriate, options from a broad panel of lenders may be considered to help identify competitive mortgage solutions.

How Mortgage Advice Is Delivered

Every mortgage enquiry begins with a detailed fact find to ensure advice is appropriate for your needs and circumstances.

The process includes:

  • Reviewing income, expenditure and credit commitments
  • Explaining mortgage products and repayment options
  • Outlining lender criteria, fees and associated costs
  • Supporting communication with lenders, solicitors and estate agents
  • Assisting clients throughout the application and completion process

Clients are encouraged to ask questions throughout the journey to make informed financial decisions with confidence.

Areas of Advice

Residential Mortgages: Support for first-time buyers, home movers and clients purchasing a new main residence.

Buy-to-Let Mortgages: Guidance for landlords purchasing or refinancing investment properties, including portfolio and individual properties.

HMO Mortgages: Advice for landlords purchasing or refinancing Houses in Multiple Occupation, subject to lender criteria and property suitability.

Limited Company Mortgages: Support for property investors purchasing buy-to-let properties through limited company structures.

Commercial Finance: Funding solutions for commercial premises and investment opportunities, subject to lender assessment.

Bridging Finance: Short-term finance options designed for time-sensitive purchases, refurbishment projects or transitional borrowing needs.

Second-charge mortgages: advice for homeowners considering additional borrowing secured against their existing property.

General Insurance: Protection for property owners through suitable insurance solutions based on individual requirements.

Supporting a Range of Client Circumstances

Hristina supports clients with varying financial backgrounds and property objectives, including:

  • Self-employed applicants with complex income structures
  • First-time landlords entering the property market
  • Experienced property investors expanding portfolios
  • Homeowners reviewing monthly commitments and borrowing options

Each application is assessed individually. Mortgage approval is always subject to lender underwriting and affordability checks.

Location and Availability

Hristina a mortgage broker in Milton Keynes who works with clients in Milton Keynes and across surrounding areas of Buckinghamshire.

  • Newport Pagnell
  • Wolverton
  • Stony Stratford
  • Woburn Sands
  • Olney
  • Bletchley
  • Buckingham

Advice may also be provided remotely where appropriate.

Speak to Hristina Hristeva

If you require mortgage advice in Milton Keynes or the surrounding areas, you can arrange an initial discussion with Hristina Hristeva at Onyx Financial LTD to explore your options and circumstances.

The aim is to provide clear and transparent mortgage guidance so you can make informed decisions based on your financial goals and long-term plans.

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

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Onyx Financial LTD

is an Appointed Representative of Connect IFA Ltd 441505 which is Authorised and Regulated by the Financial Conduct Authority.