welcome to
Grey Matters
The Bank Manager
is no more...
Because borrowing isn't always
black and white

Grey Matters Mortgage Studio have 22 years of unparalleled lending experience for all your property finance needs. Whether you’re looking to move home, borrow extra funds or build your own home, our vast contact network will find the best package to help you or your business.

Our areas of expertise

Residential mortgages

Residential Mortgages

Are you moving to a new home as an existing homeowner or jumping onto the property ladder for the first time? We can source the best mortgage package to buy that dream home.

With access to thousands of packages and the understanding on what needs to be looked at to secure the loan, trust us to secure your new home.

Remortgage

Remortgage

Are you coming to the end of a preferential rate, perhaps you need to raise funds for home improvements or other uses? Transferring away to a new lender that better suits your requirements could be the solution.

Second charge loans

Second charge loans

Do you need to take out some equity/raise capital without changing your mortgage provider? A smaller loan with an alternative lender could be the solution. Lenders can offer smaller loans to existing property owners with fast turnaround times when compared to a traditional remortgage.

Buy to let

Buy to let

Are you a property investor for the first time or looking to increase/better manage your property empire? We have the expertise to help find the right deal whether it's for personal ownership or properties owned under a corporate structure.

With ever changing rules and lending criteria there's never been a better time to seek advice from a professional in this ever changing climate.

Property development finance

Property development finance

We can provide staged finance to build your own home or to a developer building multiple properties. We have the contacts to offer all the support you need in this technical environment, any size development can be catered for.

Bridging finance

Bridging finance

We can arrange shorter term finance secured against property and land to be used to finish off a project, capital raising, buying property and many other uses.

Normally no longer than 6-24 months, we have in the past managed to obtain these funds in less than 10 days.

Commercial property loans

Commercial property loans

Are you buying your first business premises or expanding an existing operation into a larger home?

Typically used for shops/shopping centres, Industrial Estates/buildings, Agricultural Land, Office Buildings and mixed use properties.

Help to buy

Help to buy mortgages

The government backed scheme enables existing homeowners and first time buyers to buy a new build property with the aid of a government backed loan of between 20% (outside of London) - 40% (in London), there are a range of lenders that support this initiative and we can find the one for you or your family.

Contractor mortgages

Mortgages for contractors

Are you on working as a contractor/freelancer? There are suitable lenders that will provide loans to you dependant on how long you’ve worked in your sector and or how much you charge on a daily/annual basis. We know where to go and how to find a lender that will take into account your income situation without you being turned away by most of the high street lenders.

Right to buy

Right to buy

Do you rent your home from your local authority and now wish to purchase it from them? Right to Buy is provided by your authority offering a discount of the purchase price and we can obtain loans up to 100% of the discounted purchase price, possibly more if you wish to use funds for home improvements.

Second home loans

Second home loans

Do you long to own a holiday home? Perhaps you commute and live away from your family for long periods or have a child going off to university, rather than rent you could buy a second home.

Overseas property loans

Overseas property loans

Do you dream of owning a place in the sun or chalet for skiing? The application and the way the loan is structured will depend on the country and type of property you wish to purchase, not to mention your existing experience of home ownership here in the UK and the currency you wish to buy with.

We cater for all types of borrowers and this often complex process benefits from our years of experience.

Large loan specialists

Large loan specialists

Most high street lenders restrict residential lending to loans of £1,000,000 (one millions pounds), although more often a bespoke look at your situation is required to secure such a large purchase with a lender that caters for this type of loan and client. We have access to lenders that cater for this type of service.

Personal & business protection

Personal & business protection

Arranging mortgage or loan finance is one thing, but what happens if the person responsible is no longer around to support the monthly costs due to death, suffering a critical illness or long term sickness. We can arrange suitable cover to give your family or business the peace of mind in knowing that during this most difficult of times you have one less thing to worry about.

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