Mortgage and Protection Broker in Windsor, Berkshire – Toby Wheeler

If you are looking for a mortgage broker in Windsor, you are in the right place. With a strong passion for finance and property, Toby Wheeler brings over 21 years of experience in the credit and finance industry.

As the Director, Toby holds a BA (Hons) in Financial Services and is a certified member of The London Institute of Banking & Finance, with CeMAP and CeRER qualifications. Over the past 12 years, he has built a diverse residential and commercial property portfolio, offering valuable insight into the needs of Buy-to-Let investors and landlords.

Windsor is one of the areas where Toby Wheeler provides clear, tailored mortgage advice. Based in Berkshire, he supports clients in residential, commercial, and semi-commercial property deals. His services include buy-to-let mortgages, HMOs, bridging finance, limited company lending, protection, and general insurance.

Mortgage and Protection Support Across Windsor and Nearby Areas

Toby helps clients across Windsor and surrounding towns. These include:

• Slough

• Ascot

• Maidenhead

• Bracknell

• Egham

• Wokingham

This local knowledge matters. Each area has different property types, rental yields, and buyer profiles.  Find a Mortgage Brokers in Berkshire

Bridging Finance: Fast Funding When Time Matters

Bridging finance is one of Toby’s key services. It’s often used when buyers need short-term lending, such as:

• Purchasing at auction

• Breaking a property chain

• Refurbishing before selling or refinancing

• Securing land for development

Toby works with lenders who offer competitive bridging rates. He’ll explain the costs, repayment methods, and timeframes. This helps avoid delays and ensures your plan fits lender expectations.

Buy-to-Let and HMO Mortgage Advice

Windsor attracts landlords due to strong rental demand. Toby assists with:

• Standard buy-to-let mortgages

• Specialist lending for HMOs

• Refurb-to-let funding

• Limited company buy-to-let products

He’ll ensure the application fits stress test rules, EPC standards, and licensing conditions set by local councils.

Residential, Commercial, and Semi-Commercial Mortgages

Whether buying a family home or mixed-use premises, Toby offers advice suited to each case.

• Residential: First-time buyers, remortgages, home movers

• Commercial: Offices, warehouses, or retail space

• Semi-Commercial: Properties with a shop below and flats above

Toby knows how to match income and credit history with lender criteria. This improves the chance of approval, especially for self-employed applicants or those with complex earnings.

Limited Company Mortgages

Property investors often use limited companies to reduce tax. Toby supports this with:

• Lending that meets SPV requirements

• Deals with competitive interest rates

• Help with document checks, such as company structure and SIC codes

He’ll explain the pros and potential drawbacks of company borrowing, without using jargon.

Insurance and Protection Planning

Toby also arranges:

• Life insurance

• Critical illness cover

• Income protection

• Building and contents insurance

These protect your home, income, or property investment. He works with UK-regulated providers and tailors policies to your situation.

Local Insight, FCA-Regulated Guidance

All advice Toby provides meets FCA rules. He explains options clearly and avoids unnecessary fees. Whether you’re in Windsor or nearby towns, you can expect:

• Support from enquiry to completion

• Help with solicitors, estate agents, and surveyors

• Clear answers when lender requirements change

Windsor’s market can be competitive. Toby makes sure your application is ready on time and meets all lender rules.

Why Work with Toby Wheeler – Mortgage Broker in Windsor, Berkshire

• Tailored advice for complex income, portfolio lending, and mixed-use properties

• Local understanding of Windsor and nearby towns in Berkshire

• Quick access to bridging loans and buy-to-let deals

• Bilingual service for Yoruba-speaking clients

• FCA-regulated support with no pressure and no hidden charges

Planning to Buy or Invest in Windsor?

Windsor offers historic charm, strong schools, and fast access to London. Whether you’re moving in, remortgaging, or growing your property portfolio, speak with Toby Wheeler for support grounded in local experience and UK lending expertise.