2. AN INTRODUCTION TO
BRUNEL
MORTGAGES AND LOANS LTD
THE STEP-BY-STEP GUIDE TO WHO WE ARE AND WHAT WE OFFER

3. TABLE OF CONTENTS
4
Why use Brunel
5
The packaging process
6
Why use Brunel for your second
mortgage applications?
7
Why use Brunel for your Residential
Mortgage applications?
8
Why use Brunel for your specialist
Buy-to-application?
9
Why use Brunel for your
refurbishment loan applications?
10
Our Packaging Fees
(correct at time of going to press)

4. Why use Brunel?
Secured Loans
Buy-to-let Finance
Residential Mortgages
Commercial Mortgages
Short Term Finance
 Personal Service
 Free sourcing system
 Over 30 years in business
 Quick response to enquiries
 A variety of flexible lenders on our panel
 You retain your client and your independence
 50/50 commission split with no deductions for “costs”
 Market-leading flat-rate packaging fees that include a valuation
 No direct to consumer proposition, so we’re not competing with you

5. What is the packaging process with Brunel?
You retain your client
Tell us what your client’s requirements are and we’ll give you all of
the options from our lending panel.
You retain the advice
If any of the options are suitable for your client, you advise them
accordingly and let us know which product you need.
Our experienced, knowledgeable staff put the application together
for you and fully package to the lender.
You retain 100% of your fees
Your fees are your fees. We split the commission 50/50 without
deducting any costs and our market-leading packager fee includes a
valuation in the majority of cases.
You retain your “Independent”
status
Because you’re retaining the advise for your client, you can still call
yourself “independent” which is very re-assuring for your clients.

6. Why use Brunel for your second mortgage applications?
When your clients need to raise additional finance there are several options
available to you – further advance, remortgage, unsecured loan and a second
mortgage. Second mortgages (secured loans) cater for a wider audience and can
often be the best option for your client.
Here are some great reasons for you to consider using Brunel Mortgages and
Loans for your clients’ second mortgages:
• Your client will not lose their existing interest only, low or fixed- rate mortgage
product.
• No up-front fees. Our packaging fee, payable on completion, includes a
valuation in the majority of cases.
• A variety of payment options including interest only and repayment and fixed
and variable rates.
• No ERCs, even on fixed rate products.
• You retain your client throughout the process and beyond. We never cross-sell.
• You advise, we package meaning you retain your “independent” status.
• We source loans up to 95% LTV for employed and self-employed clients.
• Your client’s historic (over a year old) adverse credit can be ignored. Current
adverse credit is also acceptable.
• Secured loans can be used for many purposes including, but not limited to,
home improvements, debt consolidation (including DMP, IVA & bankruptcy),
tax bills, business purposes and divorce settlements, Buy-to-let deposit,
transfer of equity and gifting to children.
Call us today do see
how we can help
your client

7. Why use Brunel for your Residential mortgage applications?
With over 30 years’ experience Brunel Mortgages and Loans have consistently
provided intermediaries with access to a great range of market leading secured
finance solutions.
Clients who are newly self-employed, have a low credit score, some adverse
credit or who are over the maximum age for mainstream lenders may struggle
to obtain a residential mortgage from a High street lender. We have various
products available for your clients in these circumstance.
Here are some great reasons for you to consider using Brunel Mortgages and
Loans for your next residential mortgage:
• Available for purchase, re-mortgage or raising capital on an unencumbered
property.
• Loans available from £3,000 up to 85% LTV
• Adverse credit over 12 months old ignored. Recent adverse accepted
• Mortgages available into retirement and beyond retirement age.
• Right to buy (can fund 100% of client’s purchase price)
• Shared Ownership (100% of the client’s share)
• Interest-only mortgages available
• Free valuations available

8. Why use Brunel for your specialist Buy-to-let applications?
You probably see lots of declines for Buy-to-let finance from the High Street banks:
HMOs, portfolios, student lets, blocks of flats, semi-commercial properties, first
time landlords, low-value properties and adverse credit can all be placed through
Brunel’s lender panel.
Brunel Mortgages and Loans are experts and can find the right solution for you and
your clients.
• Competitive rates available including fixed, variable and discount as well as
repayment and interest only options.
• First and second charge loans available.
• Loans available up to 85% LTV., or 100% LTV additional security.
• First time landlords welcome, including Consumer Buy-to-let.
• A variety of products for renovation and refurbishment projects available.
• No minimum income requirements but we can also use external income to aid
affordability.
• Low value properties accepted.
• Adverse credit, historic and current, acceptable.
• Most of our lender partners do not credit score, with each individual application
underwritten on the basis of it’s own merits.

9. Why use Brunel for your refurbishment loan applications?
With over 30 years’ experience Brunel Mortgages and Loans have consistently
provided intermediaries with access to a great range of marker leading
property refurbishment solutions.
• Available to clients who can demonstrate experience of directly managing
previous refurbishment projects.
• All property types considered including Residential, Commercial, Semi-
commercial, HMOs and Student lets.
• Products available for light, medium refurbishments projects including
change of use.
• Loans available from £50k to £5Million.
• Rates available from 0.65% - cheaper than a standard bridging loan.
• Up to 24 month terms to allow for purchase, planning consents, works and
sale – longer than a standard bridging loan.
• Loans available without planning permission.
• Pre-agreed term loan exit available.
• On completions, the client has the ability to gear up based on the new
value.
• We also have “Developer Exit” products to enable experienced developers
to release cash quickly on completion of a project.

10. Brunel Mortgages & Loans – Packaging Fees
*This fee is due and payable to Brunel Mortgages & Loans Ltd on production of a binding offer. We will allow the
customer to add it to the loan if they wish to and defer payment until completion. The packaging fee includes a
valuation however, we reserve the right to charge a valuation fee if the property is valued at more than £500k.
And how much?
Our Packaging Fee
is just £995!*

11. Sounds interesting?
Call the team today
01793 612266
Or
Apply online
www.brunelmortgages.co.uk/apply