Who are we?
At PBS Brokers in Islington, we understand that buying a home or investment property is a significant financial commitment. Careful planning and clear guidance can help you make informed decisions at every stage of the process.
Choosing a mortgage involves considering interest rates, fees, flexibility, affordability, and long-term suitability. Independent mortgage advice can help you compare available options and understand how different products may affect your finances.
We offer mortgage advice with access to a broad range of lenders across the market. As independent advisers, we are not tied to any single lender. This allows us to provide recommendations based on your personal and financial circumstances. Our role is to explain your options clearly and help you decide which solution meets your needs.
Mortgage approval and product availability are subject to lender criteria, affordability checks, and your individual circumstances. Some lenders and products may not be available through all brokers. Where appropriate, we will explain any limitations in our panel and ensure you understand your choices.
For clients who prefer support in Persian, we can communicate in Persian to ensure clarity and confidence throughout the mortgage process. We believe that understanding the details of your mortgage is essential before making a commitment.
If you would like to explore your options, you can also use the Connect Experts directory to Find Mortgage Advisers and compare regulated professionals based on your location and requirements.
Why Choose us?
Choosing a mortgage is a significant financial decision. The right option will depend on your income, deposit, credit profile, and long-term plans. Professional mortgage advice can help you understand your options clearly before you commit.
Our advice is based on your personal circumstances and objectives. The aim is to provide clear information so you can make confident decisions.
Acting in Your Best Interests
Mortgage advisers are regulated and must follow the rules of the Financial Conduct Authority. This includes a duty to act in your best interests and treat you fairly at every stage. Recommendations are made only after assessing your financial position and reviewing suitable options from available lenders. You will receive clear explanations about why a product may be appropriate for you.
If you ever have concerns, a transparent complaints procedure is available. You may also have the right to refer complaints to the Financial Ombudsman Service if needed.
Clear Guidance So You Stay in Control
A mortgage is not just about the interest rate. Other factors can affect your decision, including:
- Lender affordability criteria
- Income assessment methods
- Credit history requirements
- Arrangement fees and valuation costs
- Early repayment charges
Qualified advisers explain these factors in plain language. This helps you compare options and understand the overall cost of borrowing.
The goal is not to pressure you into a decision, but to ensure you have the information you need.
Access to a Broad Panel of Lenders
Some advisers can review products from a wide range of UK lenders rather than being limited to a single bank’s products. This allows comparisons across different lending criteria and pricing structures.
Whether you are:
- A first-time buyer
- Moving home
- Remortgaging
- Self employed
- Purchasing a buy-to-let property
Advice will be tailored to your situation and lending eligibility. You will be informed if there are any limitations to the range of lenders considered.
Keeping Up With a Changing Market
Mortgage criteria and interest rates can change frequently. Lenders may update affordability calculations or property requirements without notice. Advisers monitor these changes and assess how they may affect your application. However, approval is always subject to the lender’s underwriting and valuation.
No adviser can guarantee acceptance.
Support for Persian Speaking Clients
Understanding financial terms in a second language can be challenging. Clear communication is essential when making long-term financial commitments.
Where available, support can be provided to Persian speaking clients so they can:
- Understand key mortgage terms
- Review documents with clarity
- Ask questions comfortably
- Make fully informed decisions
Clients are encouraged to request language support if needed. Important documents will still be issued in English as required by UK lenders.
Transparent Process From Start to Finish
You will be informed about:
- Adviser fees, if applicable
- Commission received from lenders
- The total cost of borrowing
- Key product features and risks
The focus is on transparency and fairness. Every recommendation should be suitable for your needs and circumstances at the time of advice.
Residential Mortgages with PBSBrokers | Islington, London
Making Your Move with the Right Mortgage
Purchasing a home is one of the biggest financial decisions you’ll ever make. A residential mortgage, commonly referred to as a homebuyer mortgage, is a loan secured against the property you intend to live in. You’ll typically contribute a deposit, and your lender will fund the rest, up to the property’s purchase price or its market valuation, whichever is lower. This loan is then repaid, with interest, over a set term.
Expert Mortgage Advice in Islington
We recognise that navigating the mortgage landscape can feel overwhelming. Whether you’re a first-time buyer, looking to switch to a better deal, or relocating to a new property, our knowledgeable advisers in Islington, London, are here to help.
We’ll walk you through every step from comparing deals across a wide panel of lenders to managing your application and securing a mortgage that fits your circumstances. Our goal is to simplify the process so you can concentrate on what really matters: settling into your new home.
PBSBrokers | Expert Commercial Mortgage Brokers in Islington, London
Need Finance for a Commercial Property or Business Premises?
Whether you’re buying a new commercial space or refinancing an existing business property, PBSBrokers is ready to assist. Our commercial mortgage advisers in Islington, London, provide clear, practical support tailored to your circumstances.
Why Invest in Commercial Property?
Commercial properties often deliver stronger rental yields than typical buy-to-let investments. For business owners, owning your premises can cut long-term rental costs and create a valuable asset for future planning.
Tailored Solutions, Expert Guidance
Commercial mortgages can offer greater flexibility than residential loans, but this often comes with added complexity. We assess your business, understand your aims, and advise on the most suitable financial structure to meet your needs.
From First-Time Buyers to Growing Portfolios
Whether you’re purchasing your first commercial site or adding to your portfolio, we provide the knowledge and lender access to help you progress. Our goal is to make the process efficient, transparent, and fit for purpose.
PBSBrokers | Buy-to-Let & HMO Mortgage Specialists in Islington, London
Looking to Finance a Buy-to-Let or HMO Property?
Whether buying your first investment property or expanding with HMOs, PBSBrokers provides clear, practical mortgage advice. Based in Islington, London, we support landlords and investors with mortgage solutions that suit both short and long-term goals.
Why Invest in Buy-to-Let or HMOs?
Buy-to-let and HMO properties offer attractive rental income and long-term growth prospects. HMOs often deliver higher rental yields than single-tenancy properties, making them suitable for landlords seeking stronger cash flow and returns.
With the correct mortgage, investors can improve cash flow, use property equity effectively, and strengthen their property portfolios.
Tailored Mortgage Solutions for Property Investors
Securing finance for buy-to-let or HMO properties requires knowledge of lender criteria and licensing rules. PBSBrokers simplifies this process.
We review your investment plans, property type, and rental model, then recommend lenders who specialise in:
Single-unit Buy-to-Let
Professional or Student HMOs
Limited Company Mortgages
Portfolio Landlord Finance
Refinancing for Better Terms or Capital Raising
From First-Time Landlords to Professional Investors
Whether financing your first buy-to-let flat or refinancing a large HMO, PBSBrokers provides expertise and access to lenders.
We focus on transparency, practical guidance, and securing mortgage solutions that support your property investment journey today and in the future.
Protect Your Future with PBSBrokers – Islington, London
Life has a way of throwing the unexpected at us. Whether it’s illness, job loss, or the passing of a loved one, the financial consequences can be overwhelming. That’s why at PBSBrokers in Islington, London, we help you take proactive steps to safeguard your future. With the right protection in place, you and your family can focus on healing and living without the added weight of financial strain.
Too often, insurance is only considered in hindsight. While we’re quick to insure our gadgets and belongings, many overlook the importance of life cover or critical illness protection until it’s too late. The truth is, these are the foundations of true financial resilience. The right advice and policy can offer peace of mind, while the wrong decision or none at all could leave you vulnerable when you need support most.
Personal Protection
1. Life Insurance
Purpose: Pays out a lump sum to your loved ones if you die during the policy term.
Types:
Level Term – fixed payout amount
Decreasing Term – often used with repayment mortgages
Whole of Life – guaranteed payout whenever you die
Ideal for: Families, homeowners, and anyone with dependents.
2. Critical Illness Cover
Purpose: Provides a tax-free lump sum if you’re diagnosed with a serious illness such as cancer, stroke, or heart attack.
Often bundled with: Life cover (as a combined policy or separate)
Ideal for: Those who rely on their income to maintain their lifestyle.
3. Income Protection
Purpose: Replaces part of your income if you’re unable to work due to illness or injury.
Features: Monthly benefit payments until recovery, retirement, or policy expiry.
Ideal for: Self-employed individuals, contractors, and employees without comprehensive sick pay.
What Makes Us Unique?
At PBSBrokers in Islington, London, we offer tailored mortgage advice based on your individual needs and financial goals. We have access to over 200 UK lenders and providers, which means we can source competitive rates and exclusive mortgage deals tailored to your needs.
We take time to understand your situation before recommending a mortgage or protection product. We handle the application process, paperwork, and lender communication from start to finish, saving you time and reducing stress.
Mortgage Brokers in Islington
We support a wide range of clients, including first-time buyers, home movers, landlords, and self-employed applicants. Our advisers offer solutions for residential purchases, buy-to-let investments, and remortgages. We also arrange protection plans that help secure your income, mortgage payments, and your family’s future.
PBSBrokers aims to help you make clear and confident mortgage decisions. Contact us today to speak with a qualified adviser in Islington.
Contact Us Today
PBSBrokers 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 1034688.
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.
6th Floor, FC200, 2 Lakeside Drive, Park Royal
London
Brent
NW10 7FQ
Registered in England and Wales No: 15895954
PBSBrokers is an appointed representative of Connect IFA
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
