Why Use Us
All Money Matters (AMM) is a well established mortgage brokerage with over 30 years experience in the industry.
AMM is a leading specialist broker delivering financial solutions including first and second residential mortgages, buy to let mortgages, bridging finance, and commercial funding.
We source and package a full range of solutions and our team of professional experts will strive to find the most suitable product for clients. It is this approach combined with our dedication to delivering a quality, transparent service that has earned us our reputation as a trusted advisor in the market.
What we offer
First Class
A client centric philosophy
and a dedication to providing first class client care
Processing
The placement and processing of all types of personal and commercial finance
Exclusives
Access to exclusive products
Enquiries
A new business team for all new enquiries
Dedicated
A dedicated processing team
Case Submission
A unique cloud based DIP and application system allowing easy case submission and case tracking
PRODUCTS
Commercial with All Money Matters
Commercial funding covers a vast range of client types and situations where no two deals are the same. As such we look at every deal individually to find a bespoke solution for your circumstances.
Whether it is to buy a new building, release equity from an existing one, or buy a new business, our specialist commercial team may be able to help.
Commercial Funding can be used for any purpose including new business start-ups, buying an existing business or property for a business, raise working capital, business expansion and property refurbishment.
Why All Money Matters for Commercial Funding?
- Funding for any legal purpose including new business start-ups
- A wide range of assets considered for security
- HMOs, Multi lets, Student Lets and Holiday Lets considered
- Large loan and development exit funding
- Lending for trading businesses - hotels, B&Bs and retail to name a few
- Flexible facilities to enable immediate property acquisition considered
- Commercial property such as retail, warehousing and garages considered
- Portfolios, mixed use & multiple securities catered for
- Pension fund options available
The Financial Conduct Authority (FCA) does not regulate some forms of commercial finance.
Buy to Let Mortgages
with All Money Matters
Buy-to-let properties are increasingly becoming an investment of choice. AMM, with our strong panel of like-minded lenders may be able to give those with challenging situations and unconventional profiles the option to get onto and climb the landlord ladder.
Each case is assessed individually by people rather than a black and white system and the breadth of our solutions option is vast
- Loans from £30,000 to £5 million
- Competitive criteria and rates and packager exclusive products
- First time landlords considered
- Portfolio landlords, expats, limited companies accepted
- Adverse considered including active debt management plans
- No minimum income and it can be accepted from wide variety of sources
- Manual underwriting without credit scoring
The Financial Conduct Authority (FCA) does not regulate some forms of commercial finance.
Portfolios with All Money Matters
A portfolio landlord is defined as a borrower with four or more distinct mortgaged buy-to-let rental properties. This includes, but is not limited to, student lets, short-term lets, holiday lets, properties owned through a limited company, ‘consent to let’ properties and all buy-to-let mortgages owned solely or jointly by the applicant(s).
We have a dedicated team looking after clients with portfolios. They have considerable experience placing and progressing even the most challenging of circumstances.
Why All Money Matters for your portfolio cases?
- First time landlords
- Limited Companies/SPVs/Subsidiaries
- Trading Companies (including those making a loss)
- Foreign Nationals, Expats, Even Foreign National Expats
- Mixed Nationality Shareholders
- Trusts
- HMOs
- Multi-Unit Blocks and Multi-Unit Sites
- Shared/Multi-Lets
- Near/above Commercial
- Semi-Commercial
- New Builds
- Vulnerable, Corporate and DWP Tenants
- Adverse credit
- A variety of income streams
The Financial Conduct Authority (FCA) does not regulate some forms of commercial finance.
Why All Money Matters for Bridging Finance?
Commercial funding covers a vast range of client types and situations where no two deals are the same. As such we look at every deal individually to find a bespoke solution for your circumstances.
Whether you need to buy a new building, release equity from an existing one, or buy a new business, our specialist commercial team may be able to help.
Commercial Funding can be used for any purpose including new business start-ups, buying an existing business or property for a business, raise working capital, business expansion and property refurbishment.
- Finance can be sourced for developments, portfolios, mixed use properties & multiple securities
- Bespoke underwriting and packager exclusive products
- Top-up funds to 100% of purchase price or development costs
- All client types considered for with national coverage
- Loans from £50,000 - with no maximum loan size
- Up to 75% LTV & up to 100% with additional security
- Finance considered on residential, semi-commercial and commercial property and land
- A wide range of assets considered as security
- Products for almost all credit profiles
Second Charge Mortgages
with All Money Matters
A second charge is an alternative to a standard first charge mortgage. If you have a low interest rate or early redemption charges on their current mortgages, then conducting a remortgage may not be the best way to go. Borrowers should be made aware this is an additional charge against their property.
Money can be raised for any personal reasons such as debt consolidation, home improvements, holidays, school fees, tax bills, business purposes and assisting with investment property purchases.
- Loan sizes ranging from £25,000 - £2,500,000
- First and second charge mortgage comparison
- Up to 100% LTV
- Large income multiples
- Buy to Let and business loans
- Completions possible in as little as two weeks
Residential Mortgages with All Money Matters
Some mortgages can be difficult to place. At All Money Matters, we are dedicated to finding and processing a suitable solution for your needs. We have access to market leading products, criteria and rates from our panel of lenders. We simplify specialist lending and ensure you receive a comprehensive end-to-end service.
- Mortgages for self-employed clients with only one year’s accounts or SA302s considered
- Loans from £3,000 to £5 million available
- Adverse considered including active debt management plans
- No minimum income and it may be considered from wide variety of sources
- Manual underwriting and no credit scoring on some products
- No maximum age limits
- Expats, right-to-buy, shared ownership and shared equity considered
- Unusual property types and non-standard constructions considered
ENQUIRE
testimonial
” I have been working with All Money Matters for my complex and commercial applications for just over 2 years. They have repeatedly produced results, delivering time and again to complete these cases.
As a whole of market broker, I have access to many lenders directly and yet consistently use AMM to place and administer complex cases. Varied income streams to adverse credit history & bridging finance are amongst cases that I have used AMM to successfully complete.
AMM have dealt directly with their lenders to produce better results in both speed and terms. This has been crucial in the recent climate, with lenders withdrawing from the market and changing criteria by the day. Add to that the 100% paperless 1App case management system and you have the digital business partner you need in this market.
From having a dedicated underwriter for numerous lenders and an experienced, knowledgeable admin team to progress the case through to completion, there are many benefits I have found when using AMM. The wealth of experience and knowledge of the team at AMM means they invariably have a solution for almost any case.”
Pras Suntaramoorthy
Consumer Duty
What are the FCA changing
These outcomes relate to:
- Products and services
- Price and value
- Consumer understanding
- Consumer support
The rules require firms to consider the needs, characteristics and objectives of their customers – including those with characteristics of vulnerability – and how they behave, at every stage of the customer journey. As well as acting to deliver good customer outcomes, firms will need to understand and evidence whether those outcomes are being met.
AMM and how we support Consumer Duty
AMM are an adviser firm and not a manufacturer of products. Our role is to ensure that you have a full understanding of our lenders Products & Services Outcome and Price & Value Outcome.
When it comes to Consumer Duty, we work with a selected lender panel. We want to work with our lenders to deliver fair outcomes and costs. We will engage with our lender partners to clarify how they are engaging in this process to deliver products.
Consumer has been embedded into our business plan, company culture, directors, and staff. We are committed to delivering the best outcomes possible after considering the client’s full circumstances, needs and concerns.
We endeavour to ensure that you have a full understanding of the product, its terms and conditions and any possible consequences that may occur.
As a business we conduct a regular review on our lender panel, on fees, funding, service, and product offering to ensure it is in line with our target market and the fees are in line with market expectations and competition.
We also review our fees regularly to ensure we are competitive, fair and that they reflect a reasonable cost for our services.
AMM THE COSTS OF OUR SERVICE
Regulated and Non-regulated
Our initial consultation will always be free and without obligation. There will be a ‘success’ only broker fee for arranging your mortgage and our charges have been calculated taking into account the following: the complexity of the applications we receive, the level of skills and experience required from our advisers plus the typical amount of time it will take to arrange a mortgage.
