01276 586 377 [email protected]

Get great mortgage rates fast; with exceptional service

We get you great bridging deals because we use all types of lender; at exclusive broker rates

With a same day decision in principle from a lender, we act fast to secure your funding

The extraordinary service levels you’ll receive from your broker are unrivalled

Get great mortgage rates fast; with exceptional service

We get you great bridging deals because we use all types of lender; at exclusive broker rates

With a same day decision in principle from a lender, we act fast to secure your funding

The extraordinary service levels you’ll receive from your broker are unrivalled

Explore our most common Buy to Let scenarios

Buy to Let Purchase

A buy-to-let mortgage is designed to help borrowers purchase property when they expect to rent it out.  Considering purchasing a buy-to-let property? Then you’ve come to the right place.have a low deposit, you’re adding to a portfolio

Remortgage Buy to Let

Whether you’re borrowing more money against your current property, coming to the end of a fixed rate deal, or just want a better deal remortgaging could free up much-needed funds.

HMO Mortgages

Houses in Multiple Occupation (HMO) mortgages are designed with shared accommodation in mind. Whether you’re looking to rent to students or young professionals, if your property has more than one tenancy agreement in place, this is the type of loan for you.

Portfolio Mortgages

Portfolio mortgages allow you to lend against your entire portfolio and help to make managing repayments easy.

Holiday Let Mortgages

Holiday let mortgages are designed for purchasing holiday homes here in the UK.

What is it used for?

• Property Purchases

• Refinancing

• Temporary Cashflow Issues

• Short-term working capital

• Auctions

• Renovations

• Short term investment opportunities

Why Xcel?

We created Xcel Finance for property professionals who expect more from their finance broker. We help clients deliver meaningful projects all across the UK, and we create great relationships along the way. We promise that working with us, you’re setting your project up for success.

Arrange Consultation

Expect more when you work with our experienced Independent Mortgage Advisors.

What is it used for?

• Property Purchases

• Refinancing

• Temporary Cashflow Issues

• Short-term working capital

• Auctions

• Renovations

• Short term investment opportunities

Why Xcel?

Bridging Finance is an incredibly useful tool for property investors and developers. Whatever the scenario; our expert brokers will find, negotiate, and arrange the.”best deal for you.”

Arrange Consultation

Expect more when you work with our experienced Independent Mortgage Advisors.

“Jamie made the process easy and supported us through the whole thing.  No challenge was too big and there was always a way through, around or over.  Thanks for your help it made a huge difference.  We would definitely recommend Excel Finance. 

Matthew | Property Developer | South Wales

Xcel provides quick, professional & effective advice for all financial dilemmas. We’ve worked with Xcel on both a buy-to-let remortgage & home remortgage and were impressed with Jamie’s knowledge and ease to find us the best financial solution. Working with Jamie was easy, he makes everything simple & is happy to explain everything in detail. He’s quick to reply & even helped chase the solicitor to ensure we could complete on time. We would happily use Jamie again and would recommend Xcel 

Bradley & Claire | Surrey | Landlords 

” Excellence” The only word for Xcel Finance.

From start to finish Jamie couldn’t be more helpful. Every step explained and executed with professionalism and precision. Finding the best solution for our finance was amazing. With Jamie’s knowledge he fills you with confidence you can achieve your goals.

We can’t recommend Xcel Finance enough.

Terry & Kathy | Brighton | First Time Property Investors

Excellent Exceptional Xcel. Jamie exceeded all expectations with such a cool and calming caring understanding nature, We were definitely an exception to the rule.

We cannot thank him enough for finding funding that has allowed us to finish a very special restoration of a listed building, (grand design dilemma, bank won’t lend money, owners despair)

He is forever in our thoughts, and has restored my faith in the whole financial world, I thought they were all against me, and was petrified of losing our home and all our efforts. Back to work, house to restore and get ready for sale. 

Carol & Kevin | Gloucestershire | Bridging Finance Clients

“Fantastic service!  I presented Jamie with an interesting (ok, complicated!) situation and he was able to guide me expertly through the process. I am a first time landlord and just moved abroad into a new job. These circumstances threw up many challenges but Jamie was brilliant at helping find the best solution to my remortgage. His patience knows no bounds and he is super knowledgeable. I would HIGHLY recommend him.” 

Antoinette | Malta | Ex-Pat Investor

Amazing service! Made my re-mortgage EASY!” 

Sharmayne | London 

“I was amazed how quickly they were able to get my funding in place.  Great service. Would highly recommend Xcel Finance.”

Carol | Gloucestershire | Bridging Finance Customer

“Jamie made the process easy and supported us through the whole thing.  No challenge was too big and there was always a way through, around or over.  Thanks for your help it made a huge difference.  We would definitely recommend Excel Finance. 

Matthew | Property Developer | South Wales

Xcel provides quick, professional & effective advice for all financial dilemmas. We’ve worked with Xcel on both a buy-to-let remortgage & home remortgage and were impressed with Jamie’s knowledge and ease to find us the best financial solution. Working with Jamie was easy, he makes everything simple & is happy to explain everything in detail. He’s quick to reply & even helped chase the solicitor to ensure we could complete on time. We would happily use Jamie again and would recommend Xcel 

Bradley & Claire | Surrey | Landlords 

” Excellence” The only word for Xcel Finance.

From start to finish Jamie couldn’t be more helpful. Every step explained and executed with professionalism and precision. Finding the best solution for our finance was amazing. With Jamie’s knowledge he fills you with confidence you can achieve your goals.

We can’t recommend Xcel Finance enough.

Terry & Kathy | Brighton | First Time Property Investors

Excellent Exceptional Xcel. Jamie exceeded all expectations with such a cool and calming caring understanding nature, We were definitely an exception to the rule.

We cannot thank him enough for finding funding that has allowed us to finish a very special restoration of a listed building, (grand design dilemma, bank won’t lend money, owners despair)

He is forever in our thoughts, and has restored my faith in the whole financial world, I thought they were all against me, and was petrified of losing our home and all our efforts. Back to work, house to restore and get ready for sale. 

Carol & Kevin | Gloucestershire | Bridging Finance Clients

“Fantastic service!  I presented Jamie with an interesting (ok, complicated!) situation and he was able to guide me expertly through the process. I am a first time landlord and just moved abroad into a new job. These circumstances threw up many challenges but Jamie was brilliant at helping find the best solution to my remortgage. His patience knows no bounds and he is super knowledgeable. I would HIGHLY recommend him.” 

Antoinette | Malta | Ex-Pat Investor

Amazing service! Made my re-mortgage EASY!” 

Sharmayne | London 

“I was amazed how quickly they were able to get my funding in place.  Great service. Would highly recommend Xcel Finance.”

Carol | Gloucestershire | Bridging Finance Customer

Talk to an expert Broker today

01276 586 377

Ask us a question

Talk to an expert Broker today

01276 586 377

Ask us a question

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