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Who are we?

Hi, I am Carl Pearce, the CEO and founder of CP Mortgage Solutions Limited, a mortgage broker in Dudley. We understand that buying a home or investing in property is a significant financial commitment. Clear advice and suitable mortgage options are essential when making decisions about your future.

We are whole-of-market mortgage advisers with access to a broad range of lenders and products. This includes mortgage options that may not be available when approaching a lender directly. Our role is to assess your circumstances and recommend a mortgage that is appropriate for your needs and objectives. Whether you are a first time buyer, remortgaging, moving home, or purchasing a buy to let property, we provide structured and considered guidance throughout the process.

We carry out a full review of your income, expenditure, credit history, and long term plans before making any recommendation. Our advice is independent and not restricted to any specific lender or insurer. This ensures our recommendations are based solely on suitability and affordability.

We have experience supporting clients employed within the NHS and other public sector professions. We understand NHS income structures, including basic pay, banding, overtime, enhancements, and shift allowances. We also recognise the pay frameworks used within education, emergency services, and other frontline roles. This allows us to present income accurately to lenders where criteria permit, helping to ensure applications reflect true earnings. All lending remains subject to lender assessment and criteria.

In addition to mortgage advice, we provide guidance on protection policies such as life cover and income protection. These policies can help protect your home and financial commitments should your circumstances change. Any protection recommendation is based on an assessment of your needs and budget.

We manage the mortgage process from application through to completion. This includes liaising with lenders, handling documentation, and keeping you informed at each stage. Our aim is to provide clarity and consistency throughout your application.

Our business is built on transparency and fairness. Treating customers fairly underpins our advice process. We explain options clearly, outline costs and risks, and ensure you understand the commitments involved before proceeding. Our objective is to help you make informed decisions with confidence.

CP Mortgages Solutions Limited
CP Mortgages Solutions Limited

Why Choose CP Mortgage Solutions Limited?

Independent and Whole of Market Mortgage Advice

As an independent mortgage broker, we have access to a comprehensive range of mortgage products from across the market. We are not tied to any single lender.

This means we can compare options from multiple lenders to help identify a mortgage that suits your individual circumstances. Our role is to assess your needs and provide a recommendation based on your financial position, preferences, and eligibility.

Access to a Broad Range of Lenders

We work with high street banks, building societies, and specialist lenders. This allows us to explore a wide selection of mortgage products, including options that may not be available directly from your own bank.

Our aim is to present suitable options clearly and explain the features, benefits, and risks of each product. Where relevant, we will outline how interest rates, fees, and overall costs may affect you over the mortgage term.

Clear Advice and Treating Customers Fairly

We are committed to the principle of Treating Customers Fairly. This means:

  • Explaining mortgage options in plain and understandable language
  • Highlighting key features, fees, and potential risks
  • Recommending products only where they are suitable for your needs
  • Providing consistent communication throughout the process

Our advisers are appropriately qualified and regulated. Any recommendation is based on a full assessment of your circumstances and affordability.

Support Throughout the Application Process

We provide support from your initial enquiry through to mortgage completion. This includes:

  • Reviewing affordability and documentation
  • Submitting the application to the lender
  • Liaising with lenders, solicitors, and other parties where required
  • Keeping you informed at each stage

Where appropriate, we can also discuss protection products such as life insurance, critical illness cover, and income protection. These policies are designed to help protect you and your family financially, but they are optional and subject to eligibility and underwriting.

Residential

Residential Mortgages with CP Mortgage Solutions Limited | West Midlands

Buying a home is a significant financial commitment. A residential mortgage is a loan used to purchase a property that you intend to live in as your main residence. You provide a deposit, and a mortgage lender may offer the remaining funds based on the lower of the purchase price or the property valuation. The loan is repaid over an agreed term, together with interest.

Mortgage terms, interest rates, fees, and eligibility criteria vary between lenders. Your circumstances, including income, credit history, employment status, and deposit size, will affect the options available to you. It is important to consider affordability both now and in the future, particularly if interest rates change.

CP Mortgage Solutions Limited provides mortgage advice to customers in the West Midlands and surrounding areas. Advice is tailored to your individual financial situation and property objectives. This may include support for first-time buyers, home movers, and those considering remortgaging.

Before proceeding, you should ensure you understand:

  • The total cost of the mortgage over the full term
  • Any arrangement fees or early repayment charges
  • Whether the interest rate is fixed, variable, or linked to the Bank of England base rate
  • The impact of changes to your income or expenditure

Commercial

Commercial Mortgages with CP Mortgage Solutions Limited | West Midlands

If you are planning to purchase or remortgage a commercial property or business premises in the West Midlands, it is important to understand the available funding options. Commercial mortgages are available from a range of UK lenders, each with its own criteria, rates, and terms.

Through Connect Experts, you can explore your options and speak with an adviser who can explain how commercial mortgage products work and whether they may be suitable for your circumstances. 

Why Consider a Commercial Mortgage

A commercial mortgage may be suitable for:

  • Purchasing business premises for your own occupation
  • Acquiring an investment property that generates rental income
  • Refinancing an existing commercial property
  • Expanding a commercial property portfolio

 

Commercial property investments can generate rental income, although returns are not guaranteed and depend on market conditions, tenant demand, and property type. For business owners, buying premises instead of renting may provide longer-term stability and allow equity to build over time. However, ownership also comes with responsibilities, including maintenance costs and potential changes in property value.

Understanding the Complexity

Commercial mortgages are generally more complex than residential mortgages. Lenders assess affordability based on factors such as:

  • Business accounts and trading history
  • Projected income
  • Existing financial commitments
  • Property valuation and use class

Interest rates, deposit requirements, and loan terms vary by lender and risk level. Some commercial mortgages are regulated by the Financial Conduct Authority, while others are not. An adviser can explain the difference and confirm whether your application would fall within FCA regulation.

Protection

Protection with CP Mortgage Solutions Limited | West Midlands

CP Mortgage Solutions Limited understands that life can change unexpectedly. Illness, redundancy, or bereavement can affect your income and financial stability. Protection planning can help reduce financial pressure during difficult times.

We provide advice on protection products designed to support you and your family. Our role is to help you consider suitable options based on your individual circumstances.

Why Protection Planning Is Important

Many people insure valuable items such as cars or mobile phones. Fewer consider how their household income would be affected by serious illness or death.

Protection policies can provide financial support when it may be needed most. These may include:

  • Life insurance
  • Critical illness cover
  • Income protection

Each type of policy works differently and has specific terms and conditions. The right approach depends on your income, commitments, mortgage balance, and family situation.

It is important to understand that policies may not cover every circumstance. Exclusions and eligibility criteria apply. Professional advice can help you understand the available options and the potential costs.

Advice Based on Your Circumstances

CP Mortgage Solutions Limited provides advice based on a detailed assessment of your needs. This includes reviewing your financial commitments, dependents, and future plans.

If you are arranging a mortgage, you may wish to consider how the loan would be repaid if your circumstances changed. Others may want to review existing policies to ensure they remain appropriate.

As advisers with access to a broad range of insurers, we are not limited to a single provider. This allows us to recommend products that suit your needs and budget. Recommendations are based on your personal situation and the information you provide.

There is no obligation to proceed after receiving advice.

Clear Information and Fair Treatment

We are committed to treating customers fairly. This means:

  • Providing clear and balanced information
  • Explaining costs, exclusions, and key policy features
  • Recommending products only where suitable
  • Ensuring you have time to ask questions

Protection policies are long-term financial commitments. It is important to review them regularly to ensure they remain suitable as your circumstances change.

Important Information

Protection policies have terms, conditions, and exclusions. Benefits may be affected if premiums are not maintained. The amount paid out will depend on the type of cover selected and the policy terms agreed at the outset.

If you are unsure whether protection is right for you, we can help you explore your options and make an informed decision.

Lenders and Providers
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What Makes Us Unique?

We provide clear and personalised mortgage advice based on your individual circumstances. Our role is to help you understand your options and make informed decisions about your mortgage.

Based in the West Midlands, we support clients locally and across the UK. We aim to make the mortgage process straightforward by explaining each stage clearly and outlining any costs or considerations from the outset.

We have access to a broad panel of UK lenders, including high street banks, building societies, and specialist providers. This allows us to research a wide range of mortgage products. Availability and eligibility will always depend on your personal and financial circumstances.

Whether you are a first time buyer, moving home, remortgaging, or considering a buy to let mortgage, we assess suitable options based on your needs and objectives. Before making any recommendation, we take time to understand your income, commitments, credit profile, and future plans.

We can also advise on mortgage related protection, including life insurance, critical illness cover, and income protection where appropriate. Any recommendation will be based on your demands and needs.

We manage the application process and liaise with lenders on your behalf. This includes submitting documentation and keeping you updated throughout. Our aim is to ensure you understand each step and feel confident in your decisions.

Contact Us Today

Name

CP Mortgage Solutions Limited is an Appointed Representative of Connect IFA Limited 441505, which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference  104114

The FCA do not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Your property may be repossessed if you do not keep up repayments on your mortgage

There will be a fee for mortgage advice, the precise amount will depend upon your circumstances. Your Consultant will confirm the amount before you choose to proceed but we estimate it to be a minimum
of £499 or 0.5% of the mortgage balance — for example, £500 on a £100,000 mortgage.

We usually charge a fee of £199 admin fee when submitting your application to the lender.

The Old Doctor’s House, 74
Grange Road

Dudley
West Midlands
DY1 2AW

Registered in England and Wales No: ZB956527

Check us out on social media!

CP Mortgage Solutions is an appointed representative of Connect IFA
Privacy Policy

Commission Disclosure

We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation.Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.

How to make a complaint

It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to:

Compliance Department
Connect IFA Ltd
39 Station Lane, Hornchurch, RM12 6JL
Call: 01708 676110

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service:
www.financial-ombudsman.org.uk

Think carefully before securing other debts against your home.
By consolidating your debts into a mortgage, you may be required to pay more over the entire term than you would with your existing debt.

The actual rate available will depend upon your circumstances. Ask for a personalised illustration