Berks & Bucks Finance

Mortgage advice in Slough and Newbury

Berks & Bucks Finance is a mortgage and protection advice firm with a presence in Slough and Newbury. It operates as a trading name of Harvinder Singh Sandhu, an appointed representative of PRIMIS Mortgage Network, and is authorised and regulated by the Financial Conduct Authority (FCA). The firm presents itself with over 40 years of experience and a five-star rating.

Its activity is aimed at first-time buyers, homeowners, and landlords across the UK, with advice focused on helping clients understand what options they have, how much they will cost, and which ones fit their situation before committing.

Mortgages for conventional and specialist profiles

The firm's range covers a wide variety of scenarios. Among the solutions it details are:

• Mortgages for first-time buyers.
• Self-employed mortgages, with the particularity that the documents required to prove income vary.
• NHS professional mortgages.
• Second home mortgages.
• Mortgages for non-standard construction properties.
• Buy to let mortgages, including the portfolio landlord and limited company options.
• Bridging finance, with a fast bridging variant.
• Retirement interest-only mortgages (RIO).
• Bad credit mortgages.
• Debt consolidation mortgages.
• Right to buy mortgages, to turn a council house into your own home, including the subsequent sale of the home acquired this way.
• JBSP (Joint Borrower Sole Proprietor) mortgages, in which family members or friends of the main borrower participate in the transaction.
• Guarantor mortgages.

Remortgaging and loan management

The firm dedicates a specific section to remortgaging. It covers early remortgage to buy another property, remortgage to extend, remortgage to pay off a Help to Buy loan, remortgage to pay off a bridging loan, and transfer of equity. It also explains how much you can borrow when remortgaging.

Resources to understand the process

The site brings together informative materials designed to answer questions before contracting. It includes a guide on what a mortgage broker actually does, an explanation of mortgage fees, a FAQ section, and articles on concepts such as LTV (loan-to-value), home equity, how much you can borrow, the relationship between salary and mortgage, and the ten steps to buying your first property. It also has LTV, borrowing capacity, and equity calculators, and a video channel with mortgage and protection tips.

Client profiles and complex situations

The firm states that it serves first-time buyers, self-employed individuals, NHS professionals, and people who need more specialist products, such as JBSP mortgages. It notes that it works with complex income, portfolio landlords, and visa applicants, and that in these cases it accesses lenders that do not operate directly with the public. It also claims to have access to exclusive deals not available through traditional banks.

Protection and estate planning

Alongside mortgage advice, the firm offers protection services. Wills and estate planning services are referred to a third party; neither Berks & Bucks Finance nor PRIMIS are responsible for the service received, and these services are not regulated by the Financial Conduct Authority and may have limited consumer protection.

Terms of service

The firm warns that the property may be repossessed if you do not keep up repayments on your mortgage. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances (for example, £1,000 on a £100,000 mortgage), with a typical fee of £395, plus the commission received from the lender. Most buy to let mortgages are not regulated by the Financial Conduct Authority. The advice falls under the UK regulatory regime and is aimed at consumers based in the UK.

Location and contact

Slough, SL1 1EL