About Us
Welcome Mortgages
About Us
Welcome Mortgages is a specialist mortgage brokerage firm dedicated to assisting clients in the UK and globally in finding the perfect mortgage solutions. With a focus on personalised service and expertise, we strive to make the mortgage process seamless and stress-free.
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At Welcome Mortgages, we understand that every client is unique and has distinct financial goals. Whether you're a first-time buyer, experienced investor, or seeking a remortgage, our experienced team is here to help. We work closely with a wide network of lenders to ensure we find the best mortgage options tailored to your specific needs
Roman Andrijanov
Specialist Mortgage Broker, Founder, and Director of Welcome Mortgages.
Roman Andrijanov is an experienced specialist mortgage broker, founder, and director of Welcome Mortgages. With over 10 years of expertise in the mortgage industry, Roman is dedicated to providing personalised service and tailored solutions to clients seeking mortgage financing. With a passion for understanding each client's unique situation, Roman takes the time to delve deep into their financial goals, preferences, and circumstances. He believes in providing individualised service rather than a conveyor belt approach, ensuring that every client receives the utmost attention and a mortgage solution that meets their specific needs. Roman's extensive experience includes working for independent whole-of-market brokerages and prominent financial institutions such as HSBC bank. This diverse background has equipped him with a comprehensive understanding of the mortgage market, allowing him to navigate its complexities with ease. As a specialist mortgage broker, Roman has access to an extensive network of lenders and products. This enables him to source competitive rates and terms while considering the specific requirements and aspirations of each client. He remains up-to-date with the latest market trends and regulations, providing clients with the most relevant and accurate advice. Transparency, integrity, and exceptional service are the cornerstones of Roman's practice. He takes pride in being a trusted advisor and partner throughout the mortgage process, providing clear explanations, simplifying complex concepts, and empowering clients to make informed decisions. As the founder and director of Welcome Mortgages, Roman leads with a commitment to excellence. His role encompasses guiding clients through the mortgage journey, overseeing operations, and ensuring that Welcome Mortgages delivers the highest level of service and customer satisfaction. Whether you're a first-time homebuyer, a property investor, or seeking to refinance, Roman Andrijanov is dedicated to guiding you through the mortgage process with expertise, care, and a focus on your unique needs. With his knowledge, experience, and personalised approach, you can trust Roman to help you achieve your homeownership and financial goals.
Our Case Studies
British Expat Buying His First UK Property
James is a British expatriate who has been working as a teacher in Thailand for the past 5 years.
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Despite his successful career in Thailand, James had always dreamed of owning a property in his home country, the United Kingdom.
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He reached out to Welcome Mortgages with a strong desire to make his dream of homeownership a reality.
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Challenges:
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James’ primary residence and employment were in Thailand, which posed challenges for securing a mortgage in the UK.
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He had limited credit history in the UK due to his extended stay abroad.
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Limited knowledge of lenders catering to expatriates and their specific criteria.
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Our Solution:
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Understanding Client Needs: We began by thoroughly understanding James' unique circumstances, financial goals, and specific requirements for his UK property.
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Lender Research: Welcome Mortgages conducted in-depth research to identify lenders experienced in working with expatriates, assessing their specific requirements, and understanding their willingness to work with clients like James.
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Tailored Mortgage Advice: We provided James with expert guidance on the available mortgage options, explaining the advantages and disadvantages of each. This allowed him to make informed decisions.
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Credit Evaluation: We helped James prepare for his application, ensuring he had the necessary documentation to apply for a mortgage.
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Liaising with the Lender: Welcome Mortgages facilitated communications and negotiations between James and the chosen lender.
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Mortgage Approval: After a thorough evaluation and due diligence, James received mortgage approval for his dream property in the UK. We secured a competitive interest rate and terms that aligned with his financial goals.
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Results:
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With the assistance of Welcome Mortgages, James successfully purchased his first property in the UK, realizing his long-held dream of homeownership. We not only helped him secure a mortgage but also provided the guidance and support he needed throughout the process. James is now the proud owner of a property in the UK while continuing his career as a teacher in Thailand.
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Spanish Nationals Remortgaging Their Former UK Home
Meet Javier and Maria, a Spanish couple with a unique international lifestyle.
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Having previously lived in the United Kingdom, they decided to explore opportunities in Spain. Javier continued working remotely for a UK-based company, while Maria established her own business in Spain two years ago.
They approached Welcome Mortgages with a twofold goal: to remortgage their former UK rental property in order to reduce their mortgage rate and raise funds towards the purchase of a new house in Spain.
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Challenges:
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International Financial Situation: The couple's financial situation spanned two countries, with Javier working remotely for a UK company and Maria operating her business in Spain. Coordinating their financial matters across borders presented a complex challenge.
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Remortgaging and Raising Funds for Non-British clients abroad: They wanted to remortgage their UK rental property to secure a more favourable mortgage rate and simultaneously release equity to finance their new home purchase in Spain. This required careful financial planning and negotiation with UK lenders.
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Limited Lender Appetite for Former Residence Rental Properties: A significant challenge arose due to limited lenders’ appetite for rental properties in which the clients used to reside. This is due to regulatory matters.
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Our Solution:
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Thorough Financial Assessment: Welcome Mortgages initiated the process by conducting a comprehensive financial assessment, considering both Javier and Maria's income sources and financial responsibilities in the UK and Spain.
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Mortgage Review: We reviewed their existing UK rental property mortgage and explored options for remortgage, considering the regulatory constraints. We identified opportunities for lower interest rates and the options allowing to release of equity that could be allocated towards the new property purchase in Spain.
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Cross-Border Expertise: Recognizing the complexities of international finances, Welcome Mortgages provided guidance on managing income, taxes, and financial responsibilities in both countries, ensuring a smooth transition.
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Lender Coordination: We have engaged with UK lenders to secure a more favourable mortgage rate and terms, despite the regulatory challenges, while also facilitating the release of equity to raise funds for the Spanish property purchase.
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Legal and Documentation Support: Welcome Mortgages assisted Javier and Maria in preparing the necessary legal and financial documents to meet both UK and Spanish regulations.
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Results:
Thanks to the dedicated support of Welcome Mortgages, Javier and Maria successfully remortgaged their UK rental property to secure a more favourable mortgage rate and released equity for their new property purchase in Spain.
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Their financial transition between the two countries was made significantly easier, even in the face of limited lender appetite, and they now enjoy the benefits of saving over £400 a month on their UK mortgage whilst living comfortably in their new Spanish home.
Investor From The Middle East Buying Block Of Flats In London
Ahmed is a high net worth investor from the Middle East with a keen interest in expanding his real estate portfolio.
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Ahmed had set his sights on a prime investment opportunity in London's prestigious Mayfair district – a block of luxury flats.
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Recognizing the need for specialized financial guidance, Ahmed approached Welcome Mortgages to explore suitable mortgage options for this investment.
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Challenges:
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International Investment: Ahmed, being an international investor, faced the challenge of acquiring property in a foreign country, which required a thorough understanding of UK property laws and regulations.
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Large-Scale Investment: The acquisition of an entire block of flats in Mayfair was a substantial investment, necessitating a bespoke financial arrangement to accommodate the scale and intricacies of the transaction.
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Complex Financial Structure: Ahmed's investment involved a complex financial structure due to its international nature and property type, which required a mortgage solution that could effectively address this complexity.
Our Solution:
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In-Depth Consultation: Welcome Mortgages initiated the process by conducting an extensive consultation with Ahmed to understand his investment goals, financial resources, and explore mortgage options suitable for his unique requirements.
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Custom Mortgage Solution: Collaborating closely with Ahmed, we meticulously explored diverse mortgage solutions to meet his specific high net worth status and the scale of the investment. During this process, a bespoke solution through private banking services emerged as the optimal choice.
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Legal and Regulatory Guidance: We provided Ahmed with insights into the legal and regulatory requirements of property acquisition in the UK, ensuring full compliance with local laws.
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International Transaction Coordination: As an international investor, Ahmed benefitted from our expertise in coordinating large-scale transactions across borders, which involved seamless communication between multiple parties and jurisdictions.
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Results:
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With the dedicated support of Welcome Mortgages, Ahmed successfully acquired the block of flats in London's Mayfair district, fulfilling his investment aspirations.
The tailored private bank mortgage ensured that the financial aspect of the transaction was not only executed smoothly but also optimized to cater to Ahmed's high net worth status and preferences.
Formerly Bankrupt First Time Buyer
Meet Sarah, a determined individual who had faced the challenges of bankruptcy in the past but was now looking to fulfil her dream of becoming a first-time homeowner.
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With a renewed commitment to financial stability, Sarah sought the guidance of Welcome Mortgages to navigate the path to homeownership.
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Challenges:
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Past Bankruptcy: Sarah's history of bankruptcy presented a significant obstacle, as it impacted her credit score and financial credibility. Many traditional lenders were hesitant to extend a mortgage due to her past financial setbacks.
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Limited Financial Resources: As a first-time buyer, Sarah had limited savings and a modest income. She needed a mortgage solution that could accommodate her financial situation.
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Navigating Credit Rehabilitation: Sarah had been actively working to rebuild her credit, but the road to recovery was ongoing. She required a mortgage that considered her present credit standing and her commitment to financial rehabilitation.
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Our Solution:
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Credit Rebuilding Guidance: Welcome Mortgages started by providing Sarah with a structured plan to rebuild her credit history. We offered advice on responsible credit management and helped her understand the steps to demonstrate improved financial responsibility.
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Affordability Assessment: We conducted a thorough affordability assessment to determine the price range of homes Sarah could consider without compromising her financial stability.
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Specialized Lender Search: Leveraging our network, we identified mortgage lenders who specialize in assisting first-time buyers with past financial challenges like bankruptcy. We connected with these lenders to explore viable mortgage options.
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Financial Education: Throughout the process, we provided Sarah with financial education, empowering her with knowledge about homeownership, mortgages, and responsible budgeting.
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Results:
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With the guidance and support of Welcome Mortgages, Sarah defied the odds and realised her dream of becoming a homeowner.
Through our collaborative efforts, Sarah was successfully granted a mortgage tailored to her unique financial situation, taking into account her past bankruptcy and limited financial resources.
This accomplishment not only marked her achievement of homeownership but also signified a pivotal step in her financial recovery and journey towards a brighter future.
Property Developer Is Using a Bridging Loan To Purchase A Property.
Andrei is a skilled property developer with a vision for turning underutilized properties into profitable investments.
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Andrei came across a property with tremendous potential but was in a condition that made it challenging to secure a traditional mortgage.
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Understanding the need for short-term financing to purchase and renovate the property, he approached Welcome Mortgages for assistance in this matter.
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Challenges:
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Property Condition: The property Andrei aimed to acquire was in a state of disrepair, making it impossible to obtain a traditional mortgage. A complete renovation was required to bring it up to the standards of a traditional lender.
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Unique Renovation Project: The property's extensive renovation requirements were unique and complex, demanding careful planning and execution to meet the standards necessary for securing a mortgage.
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Future Buy-to-Let Plans: Andrei's long-term plan was to renovate the property and turn it into a profitable buy-to-let investment, but he needed a strategic financing solution for this transition.
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Our Solution:
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Identification of Optimal Financing: Welcome Mortgages conducted a thorough assessment of the property's condition, renovation costs, and client’s personal circumstances. Based on this evaluation, we identified the most suitable financing option, which resulted in the identification of a heavy refurbishment bridging loan as the optimal choice for the property purchase. This tailored bridging finance solution covered the property acquisition expenses, allowing Andrei to independently manage the renovation planning and execution while securing the necessary resources to bring the property up to mortgageable standards.
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Renovation Guidance: Throughout the renovation process, we provided Andrei with guidance on managing the project and ensuring that the property would meet the standards required for a traditional mortgage.
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Remortgaging Strategy: Once the property had been transformed into a desirable and mortgageable asset, we facilitated the transition to a standard buy-to-let mortgage, helping Andrei secure long-term financing for the profitable operation of the property.
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Results:
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Thanks to the support of Welcome Mortgages, Andrei successfully acquired, renovated, and remortgaged the property.
What was initially a challenging property was transformed into a highly profitable buy-to-let asset.
The strategic use of bridging finance, coupled with our expert guidance, enabled Andrei to turn this project in to a thriving investment.
Contractor Builder Maximising His Borrowing Potential
Jamal is a skilled contractor builder contracting via CIS.
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Jamal was in the process of securing a substantial mortgage for a family home. However, the conventional income assessment methods adopted by most lenders, which involved averaging income over the past two to three years, threatened to limit his borrowing capacity.
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Seeking a more favourable assessment approach, he sought assistance from Welcome Mortgages after his high street broker was unable to secure him a sufficient mortgage amount.
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Challenges:
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Income Assessment Discrepancy: The majority of lenders classified CIS contractors as self-employed and assessed their income based on the average of their earnings over the past few years. This standard method would have constrained Jamal's borrowing potential due to his historical earnings.
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Generous CIS Assessment: However, certain lenders utilised an alternative approach, evaluating income through CIS statements and payslips. This method often offered a more generous assessment, potentially allowing Jamal to secure a significantly higher mortgage.
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Our Solution:
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Lender Assessment Analysis: Welcome Mortgages conducted a comprehensive analysis of the lending market, identifying lenders who assessed CIS contractors' income using CIS statements/payslips, as opposed to the conventional two to three-year average.
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Lender Collaboration: We engaged with lenders that embraced the more generous CIS assessment approach, exploring the available mortgage options, terms, and borrowing capacity that this method could offer.
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Optimised Borrowing Potential: By connecting Jamal with lenders who employed CIS statements and payslips for income assessment, Welcome Mortgages significantly increased his borrowing potential. Jamal could now secure a mortgage of £180,000 more than he would have been eligible for under the traditional income assessment methods.
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Results:
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With the support of Welcome Mortgages, Jamal successfully maximised his borrowing potential.
By leveraging lenders who assessed his income using CIS statements and payslips, he secured a mortgage that far exceeded what he could have obtained through standard income assessment methods.
This solution enabled Jamal and his family to purchase a much larger and more comfortable home, improving their overall quality of life.