Mustafa Bilal – Specialist in Mortgages and Loans Across London & Surrey

Director, Crystal Clear Commercial Ltd | FCA Approved Adviser (Ref: MXB02257)
Approved Broker – Own New Rate Reducer | Member of FIBA, AMI, CISI, LIBF, PEC

About Mustafa: An experienced banker with 30+ years in corporate and consumer finance, Mustafa has held senior management roles at Citibank, Bank of America Merrill Lynch, American Express Bank, Askari Bank, and CRT Capital Group. His career spans international banking, private client lending, and structured finance.

Today, as Director of Crystal Clear Commercial Ltd, an appointed representative of Connect for Intermediaries, Mustafa is regulated by the UK Financial Conduct Authority (FCA) and helps UK-based and international clients navigate the lending landscape with confidence.

Leveraging strong relationships with UK lenders, he delivers competitive rates, innovative finance structures, and hands-on support across even the most complex financial scenarios.

Areas Served

• London
• Woking
• Weybridge
• Walton-on-Thames
• Esher
• Cobham
• Addlestone
• Chertsey
• Hersham
• Hounslow
• Tooting
• Southall

Mortgage & Loan Expertise

Product Specialisms:

• Residential Mortgages
• Buy-to-Let Mortgages
• Buy-to-Let Mortgages
• Second Charge Mortgages
• Remortgages
• Commercial Mortgages
• Foreign National and Expat Mortgages
• Bridging Loans
• Development Finance
• Business Loans

Mustafa offers both regulated and unregulated financing advice, tailored to meet the needs of first-time buyers, investors, and international clients.

Qualifications

• MBA in Project Management
• B.Sc. Mechanical Engineering
• CeMAP Level 3 – Certificate in Mortgage Advice & Practice
• Certificate in UK Financial Regulations (Securities & Investments)
• Certificate in Banking, Corporate Finance & Securities Law

Languages Spoken

Understanding mortgage options can be challenging, especially if English is not your first language. I speak English, Arabic, Punjabi, Hindi, and Urdu, allowing me to offer mortgage advice in a language that you are most comfortable with. This ensures clarity in decision-making and a smoother mortgage process for all my clients.

Memberships & Industry Affiliations

• Financial Intermediaries & Brokers Association (FIBA)
• Association of Mortgage Intermediaries (AMI)
• Chartered Institute for Securities & Investment (CISI)
• London Institute of Banking and Finance (LIBF)
• Pakistan Engineering Council (PEC)
• Own New Rate Reducer – Approved Broker

Ready to Get Started?

Whether you’re buying your first home, expanding a property portfolio, or seeking finance as a limited company director, I’m here to help. As a dedicated mortgage specialist across London and Surrey, he provides precise, reliable guidance from the first conversation to final approval.

Contact Mustafa today to discuss your options and take the first step toward the right mortgage solution.