UK mortgage & complex finance

Complex finance, made simple.

A partner-led brokerage for portfolio landlords, investors and developers. Buy-to-let, bridging, development, commercial and residential finance, arranged across the UK.

Tell us about your deal See what we arrange

What are you financing? Pick one — it carries through to the enquiry form.

Where we specialise

Buy-to-let, HMO & portfolio building

Built for portfolio landlords. We structure, refinance and expand portfolios — from single buy-to-lets to HMOs, multi-unit blocks and full portfolios held personally or through a Ltd Co or SPV.

HMOs & multi-unit blocks
Portfolio structuring & refinance
Ltd Co / SPV lending
Scaling from 1 to 100+ units

Start a buy-to-let enquiry

Personal name or limited company · First charge and second charge

£1bn+

Finance arranged

Decades

Of combined experience

Est. 2019

Southend-on-Sea

What we arrange

Not sure what you need? Talk to us →

Where we specialise Buy-to-let, HMO & portfolio building Single BTLs to HMOs, multi-unit blocks and full portfolios — held personally or through a Ltd Co or SPV. Structuring, refinance and scaling from 1 to 100+ units. Fast decisions Bridging & development Auctions, chain-breaks, refurb-to-let, development exit and ground-up build. Regulated and unregulated, first and second charge. For business Commercial & semi-commercial Owner-occupiers, investors and mixed-use assets — interest-only or capital repayment, including OpCo / PropCo structures. For homeowners Residential mortgages Primary residences, complex incomes, expats and foreign nationals — handled end to end. Getting started First-time buyers Guided end to end — from first conversation to keys in hand. Raise funds Second charge loans An additional mortgage secured on your existing property — without disturbing your current deal. Peace of mind Insurance & protection Life, income and property cover to safeguard your family, dependents and portfolio. Specialist Complex cases Adverse credit, self-employed, layered structures, trusts and non-standard construction.

Complex is our comfort zone — we also arrange

Bridging loansDevelopment financeHMO conversionsOffice-to-residentialLarge loansBlocks of flatsPortfolio mortgagesComplex propertyExpatsForeign nationalsTrading businessesOpCo / PropCo structuresOwner-occupied business premises

Calculators & tools

Want a walkthrough? Speak to a broker →

Live product sourcing Compare 2,000+ real products across our 17-lender specialist panel — live rates, payments and rent tests. Lender names revealed when you enquire. Live now Stamp duty calculator SDLT including the additional-property surcharge, mixed-use and multiple-dwelling scenarios. Live now Heter iska lender list Which buy-to-let lenders require a heter iska, which arrange one, and which don't — per the Beis Horoah's classification. Live now

BTL max loan Enter the rent and see the loan a lender's interest-cover stress test could support. In build

Lease extension calculator Estimate the premium to extend a short lease before you buy or refinance. In build

Bridging cost calculator Model monthly interest, arrangement fees and total cost over your expected term. In build

Rental yield calculator Gross and net yield from purchase price, rent and running costs. In build

Our approach

Fast, honest, and built around your deal.

DAS is a fast-paced brokerage with a fresh approach. We answer quickly, cut through complexity, and won't waste your time if a deal isn't right. From first call to completion, one team stays on your case.

FCA regulated Whole of market NACFB member

By far the best mortgage brokers in the UK.

From a landlord client who completed four mortgages with us in seven months, with four more refinances under way. Other clients highlight round-the-clock availability, clear communication and years of solved problems.

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