We can access a range of mortgages from over 50 of the UK’s best-known lenders, but not deals that are only available directly from lenders. If you are purchasing a property with the help of a shared equity loan, our advice will also cover the shared equity second charge.
Who we are
BVS Mortgages and Financial Services is a London based company that aims to provide Mortgage and protection advice to individual and business clients across the United Kingdom.
We can only offer products from a limited number of insurance for life assurance, critical illness cover, income protection, household insurance, accident, sickness and unemployment insurance and cash lump sum accident protection.
Before you choose a specific deal, you need to decide what type of mortgage is the most appropriate for your needs.
For more information about each mortgage service click a service to find out more.
First time buyer
If you’ve never owned a home, you are considered a first-time home-buyer.
Remortgaging is the act of switching your existing mortgage to a new deal, either with your existing lender or a different provider. You’re not moving house and the new mortgage is still secured against the same property.
Buy-to-let (BTL) mortgages are for landlords who want to buy property to rent it out rather than living in it.
This is referred to when someone lets out the property they currently live in so that they can purchase a new residential property.
Home mover mortgages are frequently considered someone changes mortgage provider, move to a higher-valued house or in cases where they wish to reduce their monthly repayments by downgrading.
Help to buy
Help to Buy is a government scheme designed to give first-time buyers a helping hand, or assist home movers with limited equity. Under Help to Buy, you only need to provide 5% of a home’s value as a deposit.
It’s important to protect your property but it’s also important to protect yourself and your loved ones.
For more information about our insurance products please hover over each product to see more information.
If you die unexpectedly, a Life Insurance policy will pay out a cash sum to your family.
Serious or Critical Illness insurance
Serious illness cover pays out a cash lump sum of between 5% and 100% of the total cover depending on the severity of the illness.
Income protection insurance
This can replace part of your income if you’re unable to work for a long time because of illness or disability.
Contents insurance protects your household goods and personal property.
Accident, sickness & unemployment insurance
ASU insurance is typically used to cover mortgage repayments if illness, accident or loss of employment prevents the policyholder from earning a living. its pay-outs are restricted so you can only claim for a maximum of 12 to 24 months.