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  • Rebecca Wilkins

    Principal Mortgage Broker

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    Mortgage Rates Are Falling !

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    Have Your Free Quote

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    Residential & Commercial Deals

    All Cases Accepted

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    Use Our Online

    Broker Tool Today

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    Would you like an idea of what rate you would qualify for.

     

    Without having to speak to someone?

     

    Use our online broker tool - answer some easy questions to get your own specialised quote.

     

    Perfect if you are short on time!

  • Who do we Aim to Help?

     

    Buy to Let Mortgages - Using rental income only

    First time and Portfolio landlords

    HMO - Limited Company - Semi Commercial

     

     

    Holiday Let Deals - Competitive rates available - No minimum income

     

     

    Retirement Interest Only Mortgages - Release equity with affordable monthly payments

     Equity Release - How much money can you release - Guaranteed equity plans 

     

     

    Commercial Finance - High LTVs - For any purpose - Low rates available

     Property Developers - Self Build Finance, Development Finance, Auction Finance

    Bridging Finance - Fast turnarounds – Funds can be released in 7 days

     

     

    Self employed for 12 months - Professionals with less than 12 months accounts

     

     

    Bad credit - including low credit score, CCJ's, Defaults, IVA's and Bankruptcy

     

     

    Secured Loans - Very competitive rates

    Debt Consolidation / Home Improvements / Business Purposes

     

     

    Contractors - Zero hrs, fixed term or agency worker

     

     

    Those who have benefits only income 

  • THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

     

     

    A lifetime mortgage may impact your entitlement to means-tested

    benefits and the inheritance you may leave.

     

    Not all Buy to Let mortgages are regulated by the Financial Conduct Authority.

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    Difficult & Complex Mortgage Solutions

    Placing difficult and complex mortgages using our

    experience and knowledge

     

    It's all about knowing the lenders' criteria in detail - aiming to place you on the best deal possible

     

    All Cases Welcome

     

    Get Your Free

    Mortgage Quote Now >>>

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    The guidance contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

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    We aim to source the cheapest rates on the market for you

     

    We are independent brokers with whole of market offerings

    • Complex and difficult cases
    • 1 year self employed
    • Adverse credit considered
    • CCJ's, defaults and mortgage arrears considered
    • No minimum time in job - in some cases

    Free Mortgage Quote >>>

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    You could literally save hundreds each month!

     

    It's always worth enquiring with us about how you can save money on your mortgage

    • Complex and difficult cases
    • 1 year self employed
    • Adverse credit considered
    • CCJ's, defaults and mortgage arrears considered
    • No minimum time in job - in some cases

    Remortgage Quote >>>

    3

    Portfolio landlords and first time landlords welcome

    • Use rental income only
    • Portfolio & first time landlord
    • No minimum income required

    Buy To Let Quote >>>

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    A secured loan can offer you flexible solutions in order to raise the finance you need - quickly

    • Adverse credit registered over 12 months ago, ignored
    • CCJ's, defaults and mortgage arrears considered
    • No minimum time in job
    • Can work on current year projection for self-employed clients

    Secured Loan Quote >>>

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    Quick and flexible lending - offering you solutions to raise the finance you need

    • Up to 100% LTV with additional security
    • Borrow from 1 – 24 months
    • Borrower can be individuals or corporate identity

    Bridging Quote >>>

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    • Affordable monthly payments
    • Applicable for the over 55's
    • Use for most purposes

    Retirement Interest Only Quote >>>

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    • Tax Free lump sum
    • Remain in your own home
    • No negative equity guarantee
    • A lifetime mortgage may impact your entitlement to means-tested benefits and the inheritance you may leave.

    Equity Release Quote >>>

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    • Self builds - residential and commercial
    • Suited to your individual circumstances
    • Funding provided in advance of each self build stage
    • Competitive rates available

    Development Finance Quote >>>

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    • Affordable cover - giving you peace of mind
    • An option for some who worry how to pay their bills if they are too ill to work

    Protection Quote >>>

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    • No one likes to think of the worst happening
    • We're here to help with simple solutions - providing you with peace of mind and protecting your loved ones

    Life Insurance Quote >>>

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    • Thanks to recent medical advances more and more people are surviving critical illnesses
    • But these still have a huge impact on our lives and families.
    • An option for some who worry how to pay their bills if they are too ill to work

    Serious Illness Cover Quote >>>

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    • We aim to offer a competitive selection of Building and Content offerings from a limited number of suppliers
    • Suited to your individual circumstances

    General Insurance Quote >>>

  • Meet the Team

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    Rebecca Wilkins CeMAP CeRER

    Director and Mortgage & Insurance Advisor

    Please contact Rebecca on Rebecca@cemtgs.co.uk

    or

    01289 388 736

    Rebecca has extensive experience in adverse credit cases and complex Buy To Let. She savours success and strives to solve your mortgage problems.

    Rebecca loves to dance and she loves having a sing song, especially in the car! She adores animals, particularly Dogs and Guinea Pigs, having 5 of each!

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    Sean Wilkins CeMAP

    Marketing Director

    Sean has great enthusiasm and energy to solve difficult mortgage problems. His tenacity and good humour will enliven the process.

    Sean enjoys a boogie but when at home he loves nothing more than a Gin in front of the fire on a weekend! He is a fitness aficionado and loves a Burpee!

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    Emily Matthews

    Senior Case Manager

    Emily will help you through the process of liaising with the lender after the application has been fully submitted. You can trust Emily to ensure that your case is very well looked after.

    Emily is a real asset to our team.

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    Kirsty Albin CeMAP CeRER

    Mortgage and Insurance Advisor

    Please contact Kirsty on kirsty@cemtgs.co.uk

    or

    07359 047079

    Kirsty has years of experience in the mortgage market. Quick and efficient, Kirsty will guide you through your mortgage journey with clarity and most importantly - the right advice!

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    Noreen Baqir CeMAP

    Mortgage and Insurance Advisor

    Please contact Noreen on noreen@circle-finance.co.uk

    or

    07966 295747

    Noreen leads the way on all things Buy To Let under her trading style Circle Finance. Well versed in the residential market too, Noreen can give you the right advice in either market place!

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    Jenna Harkin CeMAP

    Case Manager

    Jenna is tenacious and efficient at liaising with the lender on your behalf. Quick to get into detail, you can be sure that nothing will go amiss with Jenna!

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    Asiyah Ahmed

    Case Manager

    Asiyah really enjoys getting involved with your case and solving any issues that may arise. Although relatively new to the mortgage game, she has a wealth of experience in the finance sector and is an expert at customer service.

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    Lois Holder

    Natasha Swan

    The KeyHolder Team

    Please contact Lois on lois@keyholdermortgages.co.uk

    Lois heads up the Keyholder Mortgages team as Mortgage Adviser, supported fabulously by Natasha as Case Manager and who also helps customers put into place the correct protection polices. A great team!

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    Michael Quinn CII

    Mortgage and Insurance Advisor

    Please contact Michael on michael@veritasfinancesolutions.co.uk

    Michael is the leader and senior Mortgage Advisor within Veritas Finance Solutions. He has been in the industry for many years and has a wide ranging experience. His really enjoys getting stuck into Commerical deals and BTL portfolio/LTD mortgages, where success is never far away!

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    Lindsay Burns CII

    Mortgage and Insurance Advisor

    Please contact Lindsay on lindsay@veritasfinancesolutions.co.uk 

    Lindsay is a Mortgage Advisor within Veritas Finance Solutions, a trading style under Cutting Edge Mortgages. Lindsay works hard to cater to your financial requirements and is looking forward to your call!

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    Alison Mitchell CII

    Mortgage and Insurance Advisor

    Please contact Ali on alison@rmmtgs.co.uk

    Ali heads up RobMac Mortgages based in Edinburgh. She has years of experience within the industry with all types of mortgages including Equity Release. Diligent and succesful, she is a very safe pair of hands!

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    Pamela Roy CeMAP

    Mortgage and Insurance Advisor

    Please contact Pamela on pamela@cemtgs.co.uk or 07305 269734

    Pamela is an eager and diligent broker with lots of solutions on hand to solve even the most complex circumstances. Pamela will always give you her 100%. You can be assured of a really reliable partner in your financial journey.

     

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    Nobuteru Kurio

    Compliance and Finance Administator

    Kuri helps the brokers within the Firm to fufill their compliance obligations and importantly makes sure they paid correctly every month!

     

  • What Our Customers Say

    Mr Uddin

    Thank you very much for this, you've done something that many have failed to do!!!

    Mr Osunde

    I am pleased to inform you that our mortgage has been completed today. I am immensely grateful for all your support and level of professionalism.
    Again, you have shown excellence at its best!

    Ms Smart

    I would highly recommend Rebecca to anyone seeking advice and help getting a mortgage. Rebecca is very knowledgeable and had patience with me when finding the perfect mortgage suited to me. Having never had a mortgage before it was all very new and Rebecca made sure I fully understood each part. Rebecca offered a friendly service and nothing was ever too much trouble. 

    Mrs Moore

    I highly recommend Rebecca who provided exceptional and very prompt advice. Rebecca sorted out our mortgage switch with the minimum of effort on our part just a few emails and messages and the job is done

    Mr Ulfet

    You have been a star throughout this process and I know we would not have achieved any of this without your help. You are the best. Thank you once again.

    Mr Jones

    Just wanted to email to say thank you for all your effort in my remortgage. Much appreciated and I’ve been using you guys since 2003 and will continue to do so! Good job!

    Miss Perks

    Me & my partner used Bex for buying our first home, mental that it's been 2 years!!! She was absolutely amazing. People say applying for a mortgage etc is stressful, definitely not with Bex she takes all the stress away and makes it an easy process! 100% recommend & choose you every time thank you!!!

    Mr & Mrs Temilade

    Where do I start? Kirsty was brilliant from the get go. My husband is self employed so our application was a little complicated. Kirsty never promised what she couldn’t deliver on and she ensured that we were kept in the loop at all times. The process which is otherwise a nightmare, kirsty made it seem less and pain free. She was very invested in ensuring our remortgage would be a success and that we would get the best rate currently available. We are a very very happy couple and Kirsty has made our year with securing the deal. We will definitely be using her again and again. Many thanks

  • Remortgage onto a Better Rate

    Transfer your existing mortgage onto a better rate - or stay with your current lender

     

    Avoid the SVR!

    Save hundreds a month

     

    We have lots of lender options (not just Natwest) enabling us to consider many different situations

     

    All Cases Welcome

     

    Get Your Free

    Remortgage Quote Now >>>

  • Buy to Let Mortgages

    Portfolio & First Time Landlords

    Very competitive rates available

    No minimum income required

    Use rental income only

     

    Portfolio and first time

    landlords welcome

     

    All Cases Welcome

     

    Get Your Free

    BTL Online Quote Now >>>

  • Secured Loans

    Residential & Buy to Let

    All bad credit is considered!

     

    We have access to lenders who offer a common sense approach to secured loans

     

    Meaning they can often lend when others cannot

     

    Get Your Free

    Secured Loan Quote Now >>>

  • Bridging Finance

    Residential & Commercial

    We have access to a number of lenders (not just Together) offering a range of short-term bridging loan solutions

     

    For personal or

    commercial use

     

    All Cases Welcome

     

    Get Your Free

    Bridging Quote Now >>>

  • Development Finance

    Development Finance Explained Part 1 | Mortgages for Business

     

    For personal or

    commercial use

     

    All Cases Welcome

     

    Get Your Free Development

    Finance Quote Now >>>

  • Retirement Mortgages

    Interest Only Payments

    The Retirement Interest Only Mortgage (sometimes called a ‘RIO Mortgage’) is available to people over 55.

     

    You pay the interest each month, which means the amount you owe doesn’t increase over time.

     

    You can use it for most purposes (including paying off an existing mortgage).

     

    What's more, you don't have to repay the loan until you, or the last remaining borrower, die or move permanently into long-term care.'

     

    Get Your Free

    Retirement Mortgage Quote Now >>>

  • Equity Release 

    Build your Retirement Plan

    Providing you with a tax free lump sum and optional monthly payments

     

    Remain in your own home - with a no negative equity guarantee

     

    A lifetime mortgage may impact your entitlement to means-tested

    benefits and the inheritance you may leave.

     

    Get Your Free

    Equity Release Quote Now >>>

  • Self Employed Income Protection

    Protect your income against accident or illness - including stress!

     

    Affordable cover for both the

    self employed and employed

     

    All Cases Welcome

     

    Get Your Free

    Protection Quote Now >>>

  • Life Insurance Planning

    Life Insurance for Families

    Protect Your Loved Ones

     

    Vitality is just one of our

    many providers

     

    Affordable cover for

    peace of mind

     

    All Cases Welcome

     

    Get Your Free Life

    Insurance Quote Now >>>

  • Serious Illness Cover

    Vitality were there in the

    good times and the bad

     

    Nor your typical insurance

     

    Vitality is just one of our

    many providers

     

    All Cases Welcome

     

    Get Your Free Serious

    Illness Cover Quote Now >>>

  • Get Your Free Quote

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    Mortgage Broker of the Year in Northumberland 2022/23!!

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    Members of the Financial Intermediary & Broker Association

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    One of our office dogs, Elliott, getting in on the action!

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    Harry, our resident mascot!

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    You ain't heavy!

  • Contact Us Now

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  • Head Office

    Rebecca Wilkins

     

    5 Morris Hall Cottages

    Berwick Upon Tweed

    TD15 2JY

     

    Email: Rebecca@cemtgs.co.uk

     

    01289 388 736

    0800 612 0466

    FCA No: 922009

     

    Cutting Edge Mortgages LTD is a broker and not a lender.

     

    Complaints - If you wish to register a complaint, please write to Complaints Department , Rebecca Wilkins , 5 Morris Hall Cottages, Berwick Upon Tweed, TD15 2JY.

     

    A summary of our internal complaints handling procedures for the reasonable and prompt handling of complains is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.

     

    Cutting Edge Mortgages LTD is authorised and regulated by the Financial Conduct Authority. Cutting Edge Mortgages is entered on the Financial Services Register https://register.FCA.org.UK/ under reference 922009.