Mark Phillips | Your Trusted Mortgage Adviser in Havering, Essex

Havering is one of the areas where my broker services are available, specialising in commercial and specialist property finance. I also cover nearby towns including Romford, Brentwood, Barking, Dagenham, Chelmsford, and Billericay.

Expert Mortgage Advice for Commercial and Semi-Commercial Properties

I help clients in Havering secure suitable mortgages for commercial and semi-commercial premises. Whether you’re purchasing your first commercial unit or refinancing existing property, I provide straightforward, compliant advice.

All mortgage solutions I offer meet current UK lending standards. Every lender is FCA-regulated, and your property finance journey will remain aligned with official mortgage affordability and eligibility rules.

Buy-to-Let Mortgages and HMO Expertise

Buy-to-let properties remain a popular choice in Havering and the surrounding areas. I assist landlords in financing single-let and multi-let properties. If you’re expanding into Houses in Multiple Occupation (HMOs), I help ensure your property meets local licensing and lender rules.

For HMOs, lender criteria can vary widely. I work closely with you to match your property details and tenancy types to the right mortgage solution.

Limited Company Buy-to-Let and SPV Mortgages

Many landlords in Essex now purchase property using a limited company structure, often known as an SPV (Special Purpose Vehicle). I offer advice on setting up the correct company structure and securing funding for limited company buy-to-let mortgages.

Every application is reviewed for eligibility based on your company accounts, credit history, and rental yield forecasts.

Specialist Bridging Finance in Havering

Bridging loans provide fast access to short-term property finance. I support clients who need bridging for property auctions, quick purchases, refurbishment projects, or chain breaks.

Whether you’re buying uninhabitable property or repaying another bridging loan, I guide you through the process. Funding is possible for residential, commercial, and mixed-use properties.

Key criteria include exit strategy, loan-to-value, and property type. Bridging finance is regulated or unregulated depending on the property and your intended use, and I will make this distinction clear from the outset.

General Insurance for Property Owners

Protecting your investment is essential. I offer landlord building insurance and business property cover tailored to your needs.

I ensure all properties financed through commercial or buy-to-let mortgages meet the lender’s minimum insurance requirements.

Policies can also include contents, rent protection, and liability cover.

Areas I Serve in and Around Essex

While I am based in Havering, I also serve clients in:

✔ Romford ✔ Brentwood ✔ Barking ✔ Dagenham ✔ Chelmsford ✔ Billericay

If you’re based in any of these towns, I can assist with property finance needs across residential and commercial sectors.

Why Work With Mark Phillips – Mortgage Broker Havering, Essex

✔ FCA-compliant mortgage advice
✔ Specialist in bridging, HMOs, and company structures
✔ Coverage across Havering and nearby Essex towns
✔ Support from first enquiry to mortgage offer
✔ Clear, jargon-free updates throughout the process