Carlisle-based · Advising across the UK
Mortgage & protection experts
Innovative, creative solutions that help people finance and insure their property dreams and investments — from a first home to a hundredth.
Or call 01228 307132
Who we help
Wherever you are on your property journey
First home, serviced accommodation, an HMO refinance or rebalancing a portfolio — we'll guide you to the right finance.
Buying my first home
Deposits, schemes, credit scores and what lenders really look for — explained in plain English, then a mortgage that fits.
Explore- Am I eligible?
- Deposits & schemes
- The home-buying process
Moving or remortgaging
Porting, moving up, releasing equity or a deal ending soon — we compare your options against the wider market, not just your current lender.
Explore- Home movers
- Remortgage & product transfer
- Protection review
Investing in property
Single lets, HMOs, serviced accommodation, BRRR or a whole portfolio — finance structured around the strategy, not squeezed into a template.
Explore- Buy-to-let & HMO
- Limited company / SPV
- Portfolio refinance
Bridging & development
Auction deadlines, broken chains, heavy refurbs and ground-up schemes — short-term finance arranged quickly, with the exit planned from day one.
Explore- Auction finance
- Bridging
- Development & drawdown
Why choose us
What makes Castle View different?
We genuinely love property finance
Several of the team invest in property themselves, so we follow lender criteria, rates and strategies closely and tell you plainly what we're seeing in the market.
With you every step
First home, next home or a refinance — we stay on the case from the first call to the day the keys are in your hand, and chase every party in between.
No judgement, ever
Your history is just that. Missed payments, defaults, self-employment or a complicated income — our job is your future, and plenty of lenders specialise in exactly that.
The journey
Five steps to the keys
Every purchase follows the same path. Here's what happens at each stage — and what we do for you.
Step 1 of 5
Know your budget
Before the viewings start, talk to us. A short onboarding call plus our affordability check tells you what you can realistically borrow, and we can arrange a Decision in Principle (DIP, sometimes called an Agreement in Principle) to show estate agents you're serious.
Step 2 of 5
Offer accepted
Found the one — inside budget, right school run, right walk for the dog? Tell us straight away. We turn your accepted offer into a full mortgage application with a clear recommendation on lender, rate and term.
Step 3 of 5
Valuation & survey
The lender values the property for its own peace of mind. We always recommend your own survey too, so nothing unexpected surfaces later. We handle the lender and keep you posted.
Step 4 of 5
Offer & legal work
Once the mortgage offer is issued, your solicitor or conveyancer runs the searches and contracts. It's the most important stage — we keep the chain moving and answer the questions as they come.
Step 5 of 5
Completion
Keys in hand. We stay with you right to the final bell — then make sure your protection is in place and diarise your rate end date, so you're never left on a lender's standard rate.
What we do
Finance & protection under one roof
Mortgages
Whether it's your first home, your next one, a rental portfolio or a commercial unit, we search an extensive panel of lenders to find the mortgage that fits — and handle the application through to completion.
Short-term finance
When speed matters more than anything — an auction deadline, a broken chain, a property no high-street lender will touch — short-term finance bridges the gap until a longer-term plan takes over.
Insurance & protection
A mortgage is usually the biggest commitment you'll ever make. Protection makes sure it — and the people relying on you — are looked after if life takes an unexpected turn.
Property investors
Strategy-led finance from a team that invests too — single lets to whole portfolios.
Why trust us
Experience you can lean on
Experience
Decades of combined experience and connections right across the lending industry. With investors on the team, there are very few complex mortgage or protection cases we haven't seen, discussed and placed.
Our ethos
Success is a happy client — whether it's your first home or your hundredth investment property. Buying is stressful; if we've carried some of that weight, we've done our job.
Service
Truly end to end: understanding what you want to achieve at the start, advice we're proud of in the middle, and still there when you collect the keys.
Latest news
Guides & checklists
Moving checklist: your guide to a stress-free move
Moving house is one of life's most stressful jobs. Break it into stages and it gets a lot more manageable — tick things off as you go.
Read the checklist
Home viewing checklist: essential tips for UK buyers
It's easy to fall for a freshly painted lounge and miss what matters. Take this checklist to every viewing.
Read the checklistFAQs
Good questions
Can't see yours? Ask us directly or try the chat in the corner.
Do you charge a fee?
We usually charge a fee of £499 for a standard case and £995 for a complex one. We'll always confirm the fee in writing before we start work. We are also typically paid commission by the lender after completion.
Which lenders do you use?
We have access to an extensive range of lenders, from high-street banks to specialist and commercial lenders. Once we understand your needs we recommend the lender and product that suit you — you're never obliged to take our recommendation.
Can you help if I have bad credit?
Very often, yes. We never judge, and there are lenders who specialise in missed payments, defaults, CCJs and past debt plans.
Do I have to come into the office?
Not at all. Most clients speak to us by phone or video, but you're very welcome at 15 Finkle Street in Carlisle.
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Occasional updates on rates, schemes and the property market. No spam, unsubscribe any time.
Contact us to find out how we can help
A free, no-obligation chat about where you are and where you'd like to be. We'll tell you honestly what's possible.