Mortgage and Protection Broker in Luton, Bedfordshire – Jai Olatunde

Luton is one of the areas where Jai Olatunde offers tailored mortgage advice. With detailed knowledge of Bedfordshire and its surrounding towns, Jai helps clients secure the right mortgage solution, no matter how complex the case.

Whether you’re buying a home in Luton, investing in a buy-to-let, or securing bridging finance for a project, Jai offers support every step of the way.

Jai covers nearby towns including Dunstable, Leighton Buzzard, Biggleswade, Sandy, Flitwick, and Shefford. These areas often offer property opportunities for homeowners and investors alike.

Residential, Commercial & Semi-Commercial Mortgages

Jai provides advice on residential purchases, buy-to-let investments, and semi-commercial units. Clients in Luton benefit from guidance that fits local market trends and UK lender expectations.

For commercial mortgages, Jai helps applicants meet stricter affordability tests, prepare business plans, and manage lender-specific documentation.

Bridging Finance Expertise

Bridging loans are useful when buying before selling or refurbishing for resale. In Luton, where demand can outpace listings, fast access to funds can make the difference.

Jai assists with regulated and unregulated bridging cases, including auction purchases and property chain breaks. He explains short-term loan terms, interest roll-up options, and repayment strategies, ensuring all criteria match FCA and UK lender standards.

If time is tight, bridging finance may help complete deals within 7–28 days, depending on legal readiness.

Limited Company Mortgages

If you’re purchasing through a limited company, Jai helps structure applications correctly. This includes preparing SPV details, lender-compliant SIC codes, and business bank statements.

He works with lenders who accept personal guarantees or allow interest-only arrangements on investment properties.

Buy-to-Let and HMOs

Whether you’re letting a single unit or managing an HMO in Luton, Jai helps secure deals that suit your yield goals and risk profile.

He can guide you through licensing requirements, stress test thresholds, and minimum income rules, often tied to buy-to-let applications.

For HMOs, Jai ensures compliance with room sizes, local planning, and lender policies around student or professional tenants.

Second Charge Mortgages

If you’re keeping your existing mortgage but need extra funds, a second charge mortgage could work. Jai helps with capital-raising for home improvements, tax bills, or consolidating debt.

He sources options from lenders that allow flexible repayment periods, even for self-employed or non-standard income earners.

Protection and General Insurance

Alongside mortgage products, Jai offers advice on protection, including life cover, critical illness, and income protection. He also arranges buildings and contents insurance tailored to your property.

Lenders often require valid insurance before completion. Jai ensures all policies are in place and compliant.

Why Choose Jai Olatunde – Mortgage Broker in Luton

• Local experience in Luton and surrounding areas

• Clear advice on bridging loans and second charge mortgages

• FCA-compliant, jargon-free explanations

• Support for residential, commercial, and buy-to-let purchases

• Bilingual service in English and Yoruba

• Help with insurance and protection cover

Locations Near Luton Jai Also Covers

Jai supports clients in:

• Dunstable

• Leighton Buzzard

• Biggleswade

• Sandy

• Flitwick

• Shefford

These towns offer alternative property choices while staying within commuting distance of Bedford, Milton Keynes, and London.

Mortgage Help in Luton Starts with Expert Advice

Whether you’re buying your first home or refinancing an investment property, Jai helps ensure your application meets UK lending rules.

For mortgage advice in Luton, Bedfordshire, contact Jai Olatunde today and take the next step with confidence.