Berks & Bucks Finance

Berks & Bucks Finance Welcome to Berks & Bucks Finance, your go-to source for expert mortgage advice in the UK! This firm usually charges a fee for mortgage advice.
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With over 40 years of experience, I specialise in helping first time buyers, investors, and homeowners navigate the complex world of mortgages. *YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE*

Social Media posts are aimed at UK customers only. The Financial Conduct Authority does not regulate most Buy to Let Mortgages. The amount of the fee will depend upon your ci

rcumstances and will be discussed and agreed with you at the earliest opportunity. Berks & Bucks Finance is a trading name of Harvinder Singh Sandhu who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Ltd. Advance Mortgage Funding Ltd is authorised and regulated by the Financial Conduct Authority.

18/06/2026

Planning an extension but the numbers aren't quite working out? Before you shelve the project, there's something worth knowing.

Most people calculate their borrowing against what their home is worth right now. But some lenders will work on the value of the finished project instead sending their own surveyors to assess what the property could be worth once the work is complete, and lending against that figure before a single brick has been laid.

Most homeowners assume this is a specialist product for developers. It isn't. The right lender, the right property, the right numbers and it may be an option worth exploring.

If your project feels like it's not working on paper, don't walk away just yet. DM us "remortgage to extend" and we'll sense check it with you.

Follow us for straightforward mortgage advice, no jargon, no fluff.

17/06/2026

Planning an extension but the numbers aren't quite working out?

Before you shelve the project, there's something worth knowing.

Most people calculate their borrowing against what their home is worth right now. But some lenders will work on the value of the finished project instead, sending their own surveyors to assess what the property could be worth once the work is complete, and lending against that figure before a single brick has been laid.

Most homeowners assume this is a specialist product for developers. It isn't. The right lender, the right property, the right numbers and it may be an option worth exploring.

If your project feels like it's not working on paper, don't walk away just yet.

DM us "remortgage to extend" and we'll sense check it with you.

Follow us for straightforward mortgage advice, no jargon, no fluff.

16/06/2026

Found a property that needs work and worried no lender will touch it?

Here's what most people get wrong. Lenders aren't assessing how a property looks. They're assessing whether it's habitable.

Working electrics, heating, hot water, a usable bathroom, and a functioning kitchen. That's broadly the checklist. Old carpets, tired décor, an outdated kitchen, none of that fails a mortgage valuation.

The question a lender is really asking is simple: could someone reasonably move in after completion? If the answer is yes, there's likely a mortgage available for that property.

Watch the full reel for the breakdown and if you've found something you're unsure about, message us the word DOER. We'll talk you through what lenders typically look for.

Follow us for straightforward mortgage advice, no jargon, no fluff.

Is your mortgage deal ending soon? Here's what most homeowners don't realise until it's too late.When your fixed rate ex...
15/06/2026

Is your mortgage deal ending soon? Here's what most homeowners don't realise until it's too late.

When your fixed rate expires, your lender automatically moves you onto their Standard Variable Rate — the SVR. It sounds routine. It's anything but.

The SVR can sit considerably higher than a new fixed deal, and every month you stay on it is a month you could be overpaying. The thing is, your lender has no incentive to tell you that.

The good news? You don't need to wait for your deal to end before you start looking. Acting a few months ahead gives you the time to compare properly, apply without rushing, and avoid landing on SVR at all.

A mortgage broker searches the market on your behalf, including deals that never appear on comparison sites, and handles the process so you don't have to.

Swipe through for the full breakdown.

And if you know someone whose deal is coming up this year, do them a favour and share this.

Follow us for straightforward mortgage advice, no jargon, no fluff.

11/06/2026

Are you on a Skilled Worker Visa and wondering if a mortgage is possible? 🏡

It's a common assumption that you need settled status, a large deposit, and years of UK credit history before a lender will consider you.

But the market has evolved.

Some lenders now take a more flexible approach for visa holders. If you can demonstrate 12 months of employment history, whether in the UK or abroad, there may be options available to you, subject to lender criteria and individual circumstances.

If you're on a Skilled Worker Visa and thinking about buying a home, get in touch and let's explore what could be available to you

📲 Follow for more mortgage insights for visa holders, first-time buyers, and anyone navigating the mortgage market.

10/06/2026

We all see the world through rose tinted glasses sometimes 🌹

Our memories. Our relationships. Our situations. We romanticise them and make them rosier than they really are.

And property? Exactly the same.

When it comes to valuing our own homes, we almost always think they're worth more than they actually are. And the gap between what sellers expect and what buyers are willing to pay? It's growing, right across the country.

Latest research shows homeowners are overvaluing their properties by an average of 16%.

That's not a small number. That's the reason your house isn't selling.

It's not the house. It's the price.

So if your property has been sitting on the market, the answer isn't a new agent or better photos. It's time to take off the rose tinted glasses, call your estate agent, and have an honest conversation about repositioning your price.

The right price gets you sold. The wrong one keeps you stuck.

📲 Follow for more property and mortgage tips that cut through the noise.

09/06/2026

We're all late for a very important date… sorting your mortgage 🎩

Life is busy. Properly, chaotically, Mad Hatter busy and most people don't even realise how much time and money they're losing because they haven't stopped to sort their mortgage.

That's exactly where I come in.

I'm Harvey. A mortgage broker for busy people. Whether you're a first-time buyer, looking to remortgage, exploring buy-to-let, or just want to know if you're on the right deal. I handle the whole process for you, so you don't have to.

No jargon. No chasing lenders. No wasted lunch breaks on hold.

Just expert mortgage advice that works around YOUR life.

📲 Follow for more mortgage tips that cut through the madness.

20/04/2026

Can I remortgage if my job has changed?

Yes — but it depends on your new situation.

There are usually 3 scenarios lenders look at:
• Still PAYE in a new job
• More variable income like zero-hour contracts or contracting
• Newly self-employed

Each one is treated differently when it comes to affordability and proof of income.

This is general information, not personal advice.
Your property may be repossessed if you do not keep up repayments on your mortgage.


A great review from a returning client we’ve supported through both a remortgage and their move to a new home 🙌When situ...
18/04/2026

A great review from a returning client we’ve supported through both a remortgage and their move to a new home 🙌

When situations involve changes in income structure, getting the right lender and keeping everything aligned with solicitors and estate agents is key. It’s great to see everything come together right through to getting the keys.

This is general information, not personal advice.
Your property may be repossessed if you do not keep up repayments on your mortgage.

02/04/2026

Can you remortgage to fund an extension? (Here’s the catch)

Thinking about using your mortgage to fund an extension?

It can work — but there’s one detail that often catches people out.

And it can affect how much you’re actually able to borrow.

This is general information, not personal advice.
Your property may be repossessed if you do not keep up repayments on your mortgage.


Address

Regal Court, 42-44 High Street
Slough
SL11EL

Opening Hours

Monday 9am - 5:30am
Tuesday 9am - 5:30am
Wednesday 9am - 5:30am
Thursday 9am - 5:30am
Friday 9am - 5:30am
Saturday 9am - 12:30pm

Telephone

+443300434317

Website

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