Trusted Advice
Tailored Lending

Step closer to home

We are a team of mortgage brokers dedicated to delivering expert, tailored and honest advice. With a hands-on approach and a commitment to integrity, we go beyond the standard to secure the right solution for every client.

Our extensive network of lender relationships allows us to structure complex deals where others cannot.

Whether you're financing a primary residence, investment property, or something more bespoke, we make it happen efficiently, discreetly, and with your goals at the forefront. 

If you'd like to schedule a time to see if we can help you save money or assist you with your next purchase feel free to click 'contact us' to book in a free initial consultation. 

View of a yellow house with a blue door, step stairs, and a black wrought iron gate, surrounded by lush green ivy and plants.
  • Row of Victorian-style red brick townhouses with white decorative trim, black wrought-iron fences, and steps leading to entrances, located on Horton Street in an urban setting.

    Residential

    Our expert consultants provide tailored advice and strategic planning to guide you through the complexities of acquiring your dream home efficiently and confidently. No case is too complex as our lender relationships are second to none.

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  • Residential street scene with trees, apartment buildings, parked cars, fallen leaves, and a person sitting on a bench under a tree.

    Investment

    We help clients finance buy to lets, HMOs, freehold blocks, council lets and much more. It is important to consider the long term when investing in property to create a sustainable return on investment and we will go above and beyond to educate you on the many finance solutions available to landlords. 

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  • A young girl wearing a helmet and denim shorts standing on a small red and yellow bicycle with training wheels, while a man helps her with the helmet outside in front of a wooden house.

    Insurance

    Life is unpredictable, it is important to protect yourself, your family and your wealth especially if taking debt. From covering your income to safeguarding your family's future, we’ll help you put the right protection in place with advice you can trust. 

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  • A young couple and a golden retriever dog inside an unfinished room of a house, with construction materials and tools on the floor. The couple appears happy and playful, with one petting the dog and the other holding a snack.

    Bridging and Refurb

    Whether bringing a derelict property back to life, wanting to buy before you sell, or wanting to buy at auction, a bridging or refurbishment loan might be the ideal solution for you and can be more cost effective than you might think. 

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Get In Touch

No matter your property finance requirement we are here to help, with experts across all fields we can help you navigate even the most complex transaction.

We have a wealth of knowledge within MSP so why not get in touch today?

About us 

MSP Financial was founded by Donovan Mawson, Chris Sykes and Mike Perrin on the belief that property finance should be honest, fair, and accessible. With years of industry experience, established relationships, and cutting-edge systems, we have everything needed to help you achieve your property goals. Our expertise spans the entire market, ensuring that we can provide the best solutions tailored to your needs. 

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A few Frequently Asked Questions

  • We can help with any type of finance secured on a property in the UK. Whether you’re buying your first home, moving, refinancing, building, flipping, investing in residential or commercial premises, or more - we can help.

    On top of this, we arrange personal insurances such as life insurance, critical illness cover, family income benefit, and income protection.

  • A residential mortgage or simple buy-to-let will usually take 2–3 weeks to receive an offer from the point we have all documents needed for submission. In some cases, offers can be issued instantly for straightforward applications.

    • Bridging loans are usually a few days to 1–2 weeks.

    • Specialist residential or buy-to-let with a building society or private bank are usually 4–6 weeks.

    • Commercial loans, self-build, and development finance are usually longer.

    Timeframes depend on the lender type and the complexity of your case. We will keep you informed of likely timescales once we know the best route for you.

  • Lenders use two main affordability approaches:

    Detailed affordability – based on income, expenditure, age, mortgage term, dependants, and other factors.

    Income multiples – traditionally 4–4.5x your income, though some lenders now allow up to 5.5x or even 6x.

    Your exact borrowing potential depends on your circumstances. Get in touch for a tailored review.

    • Deposit – Typically 5–10% of the purchase price for residential, although some specialist schemes require less.

    • Stamp Duty – A significant cost; use our stamp duty calculator for guidance.

    • Solicitors’ fees – Budget £2,000–£3,500 for legal fees and searches (we can recommend solicitors).

    • Our fees – Based on complexity; disclosed upfront.

    • Surveyor fees – £500–£1,500 depending on property type and survey chosen.

    • Mortgage valuation fees – Sometimes free, otherwise £300–£2,000 depending on property value.

    • Moving costs – Can range from £100 (van hire) to a typical cost of £2,500-£3,000 (traditional home move) with the higher end potentially being £10,000+ (large-scale moves).

  • We work with the whole of the market - over 200 lenders - including high street banks, specialist building societies, private banks, commercial and buy-to-let lenders, and development finance providers.

What our clients have to say

  • Donny from MSP was superb at helping me.

    Donny from MSP was superb at helping me get my initial mortgage as a first time buyer. He spent time guiding me through the process and answering all of my questions.

    When it came time to remortgage I knew I was in safe hands with Donny. He helped explain all the range of different options available and their respective pros and cons. Most importantly though, he helped me to lock in the best rate a few months prior to my remortgage date. With subsequent market movements it was great to have piece of mind that we had locked in early.

    I would have no hesitation in using Donny and MSP Financial again! Thanks again Donny!

  • I’ve always been impressed

    Chris Sykes at MSP Financial has handled all my mortgages over the years, and I’ve always been impressed by his professionalism and attention to detail. He doesn’t just find a deal and leave it there, he keeps an eye on things and always lets me know if there’s a rate drop or a better option available. Where other brokers might miss those opportunities, Chris makes sure I never do. He’s clear, thorough, and genuinely has your best interests at heart. Absolutely worth the fee for the level of service and peace of mind he provides.

  • Fantastic Experience Remortgaging with Mike – Highly Recommended!

    We can’t recommend Mike enough as a mortgage broker. From our very first conversation, he was professional, knowledgeable, and incredibly patient. He took the time to explain every detail, answered all our questions, and made the entire remortgage process smooth and stress-free.

    Mike was proactive and always kept us updated, which gave us complete confidence that we were in safe hands. He went above and beyond to secure the best possible deal for us, and his friendly, approachable manner made the experience far better than we ever expected.

    Thanks to Mike, we now have a remortgage perfectly suited to our needs. If you’re looking for someone who truly cares and will work tirelessly for you, Mike is the person you need.

    Thank you, Mike, for your outstanding service!