T.S Mortgage & Protection Solutions Ltd

T.S MORTGAGE & PROTECTION SOLUTIONS LTD

Mortgage Broker in Stoke-on-Trent and Trusted Partner in Financial Peace of Mind

About us

Find T.S Mortgage & Protection Solutions Ltd Through Connect Experts

T.S Mortgage & Protection Solutions Ltd provides mortgage, protection and insurance advice for clients with a range of property and financial needs.

Through Connect Experts, you can learn more about the firm, review the type of advice available, and take the next step towards finding mortgage and protection support that fits your circumstances.

Whether you are buying a home, reviewing your current mortgage, investing in property, arranging business finance, or protecting your income and family, clear advice can help you make informed decisions.

Find T.S Mortgage & Protection Solutions Ltd through Connect Experts

Mortgage and Protection Support Built Around Your Circumstances

Every mortgage and protection journey is different. Some clients need help buying their first home. Others may be remortgaging, expanding a buy-to-let portfolio, arranging commercial finance, or reviewing protection cover after a change in circumstances.

T.S Mortgage & Protection Solutions Ltd can support clients across a range of needs, including:

Residential mortgages
Buy-to-let mortgages
Commercial finance
Bridging finance
Second charge mortgages
Protection advice
General insurance

The aim is to help you understand your options clearly before making a decision. Your adviser can review your income, deposits, credit profile, property type, borrowing needs, and future plans before discussing suitable options.

What We Do?

Residential

A residential mortgage is used when you are buying or remortgaging a property you intend to live in. This may include first-time buyers, home movers, remortgage clients, self-employed applicants, or clients with more complex income.

T.S Mortgage & Protection Solutions Ltd can help you understand how lenders may assess:

Your income and affordability
Your deposit
Your credit history
Your employment or self-employed income
Your monthly commitments
The property you want to buy or refinance

Residential mortgage advice can be useful if you are unsure how much you can borrow, which documents you may need, or how different mortgage options could affect your monthly payments.

You can also explore wider guidance through the UK mortgage guides on Connect Experts.

Buy-to-Let

Buy-to-let mortgages are designed for properties that will be rented to tenants. They are assessed differently from residential mortgages, and lenders may consider the rental income, deposit, property type, landlord experience and ownership structure.

T.S Mortgage & Protection Solutions Ltd can help landlords and property investors review buy-to-let mortgage options, including cases where the client is buying their first rental property, remortgaging an existing investment, or growing a portfolio.

Buy-to-let advice may be useful if you need to understand:

Rental income requirements
Deposit expectations
Personal ownership compared with limited company ownership
Portfolio landlord criteria
Interest-only and repayment options
Property type and lender suitability

Commercial

Commercial mortgages are often used to buy or refinance property linked to a business or investment purpose. This may include offices, retail units, warehouses, mixed-use property, trading premises or other commercial property types.

Commercial finance is usually more complex than a standard residential mortgage. Lenders may assess the strength of the business, property use, accounts, deposit, affordability, lease details and repayment strategy.

T.S Mortgage & Protection Solutions Ltd can help clients understand commercial mortgage options and whether the case may need specialist finance support.

This may be relevant if you are:

Buying business premises
Refinancing a commercial property
Purchasing an investment property
Reviewing funding for mixed-use property
Looking at finance for a trading business

You can read more through the Connect Experts page on commercial mortgage guidance.

Bridging Finance

Bridging finance is short-term finance that may be used when funding is needed for a limited period. It is often considered where timing is important, such as buying before selling, purchasing at auction, refinancing quickly, or funding a property that needs work before a longer-term mortgage is arranged.

A bridging loan is not suitable for every client. The exit strategy is important because lenders need to understand how the loan will be repaid.

T.S Mortgage & Protection Solutions Ltd can help you review whether bridging finance may be suitable for your circumstances and whether other finance options should also be considered.

Common reasons clients explore bridging finance include:

Buying a property before selling another
Auction purchases
Short-term property finance
Refurbishment before refinancing
Chain-break situations
Business or investment funding needs

Second Charge Mortgage

A second charge mortgage, also known as a secured loan, is borrowing secured against a property that already has a mortgage. It may be considered when a client wants to raise funds without changing their existing main mortgage.

This type of borrowing needs careful advice because it is secured against your home or property. Your adviser can help you understand the potential benefits, risks, costs and alternatives.

A second charge mortgage may be considered for purposes such as:

Home improvements
Debt consolidation
Business funding
Property investment
Raising capital while keeping an existing mortgage

The right option depends on your circumstances, affordability, current mortgage terms and long-term plans.

Protection Advice

Mortgage and financial planning should not only focus on borrowing. Protection advice can help clients consider how they would manage financially if illness, injury, death or loss of income affected their household or business.

T.S Mortgage & Protection Solutions Ltd can help clients review protection options such as life insurance, critical illness cover, income protection and related insurance needs.

Protection advice may be useful if you want to consider:

Covering a mortgage balance
Supporting family members if you die
Replacing income if you cannot work
Protecting a business or key person
Reviewing existing cover after a life change
Matching cover to your mortgage or financial commitments

For broader support, you can explore specialist mortgage and protection brokers through Connect Experts.

Enquiry

This is the initial point of contact between the client and the mortgage adviser.

Purpose: To explore options and assess suitability.

Fact Find

This is a detailed information-gathering session required to give tailored advice.

Purpose: To build a full picture of the client’s financial circumstances and needs.

Application

A formal mortgage recommendation is made and the application is submitted.

Purpose: To secure an agreement in principle and submit a full mortgage application.

Completion

This is the final step, where the mortgage is approved, and the transaction completes.

Purpose: To finalise the purchase or remortgage and release funds.

What makes us unique

We take time to understand your individual circumstances, financial position, and future plans before making any recommendations. Mortgage advice is tailored to your needs and preferences, ensuring that suitable options are clearly explained so you can make an informed decision.

Independent and Impartial Access

We have access to a broad panel of lenders and insurers and are not tied to a single provider. This allows us to present options from across the market that meet your requirements. All recommendations are made in line with regulatory standards and the principles of treating customers fairly.

Flexible and Accessible Appointments

Appointments are available online, by phone, or face-to-face, depending on what suits you. We aim to make the process straightforward and accessible, keeping communication clear at every stage.

Supporting a Diverse Community

We are proud to serve a diverse community, including Urdu and Punjabi speaking clients who may prefer discussing financial matters in their native language. Clear communication helps ensure clients fully understand their mortgage options, responsibilities, and commitments.

Islamic and Sharia-Compliant Mortgages

For clients seeking Sharia-compliant home finance, we can explain Islamic mortgage structures such as Home Purchase Plans. These are designed to align with Islamic finance principles, including the avoidance of interest. We will outline how these arrangements work, how payments are structured, and what obligations apply, so you can decide whether this type of finance is suitable for your circumstances.

We have access to over 200+ Lenders and Providers

We have access to a comprehensive panel of over 200 lenders and providers. This allows us to consider a wide range of mortgage and protection options when assessing your needs.

Our advisers will review your personal and financial circumstances before making a recommendation. Any advice provided will be based on suitability, affordability, and your stated objectives. Rates, terms, and product availability are subject to lender criteria and individual eligibility.

This approach helps ensure that the recommendation is appropriate for your situation and aligned with regulatory standards for treating customers fairly.

T.S MORTGAGE & PROTECTION SOLUTIONS LTD 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 1028651.

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 with 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.

97
Blurton Road
Stoke-On-Trent
Staffordshire
ST3 2BS

Registered in England and Wales No: 1028651

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