Expert Mortgage & Finance Solutions
With access to over 150 lenders, including Private Banks and Specialist Institutions, we know how to source the most credible solutions to secure the funding you need. Our brokers are among the most talented in the industry, and they know exactly what clients and lenders need.
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Another fantastic result from ERG Finance. Ryan and Nathan are always so professional, easy to communicate with and get the most incredible mortgage deals, I don’t know how they do it!
Both personally and for my clients at work I am very grateful.
If I can give 10 stars instead of 5 I would!
Our broker Jake went above and beyond. Without him the deal would not have happen. Jake is very dependable and got great communication, making the most difficult process easy.
Amazing service. Our broker Jake was absolutely sensational, he literally did everything to make this deal happen including going above & beyond what we expected and what was required of him. Great communication is key and Jake kept us updated and informed throughout the entire process.
A huge thank you to Ryan and team at ERG Finance for their exemplary handling of my mortgage renewal. The team communicated clearly offering a range of products for review. With minimal fuss and a real personal touch, I was guided at every step in the process and I cannot recommend ERG highly enough. Highly professional and efficient.
Ryan and the team at ERG were excellent throughout our transaction. Without their knowledge and perseverance we would have been lost.
Ryan and Isabelle have been our advisers on several complicated projects and have produced the goods again and again. In a market bereft of the “personal touch” Ryan and his team are a welcome breath of fresh air.
Ryan and team helped secure a mortgage on our new home quickly and at a good rate. Saving so much time and hassle and getting us access to lenders who took into account our full circumstances. I’m happy to recommend.
Highly recommend ERG finance,
Having used Ryan previously,
He offered excellent advice and guidance throughout the whole process of our remortgage. Very professional and always available to help and support when needed.
We have used the team at ERG for over 10 years, they have helped us with residential, buy to let, let to buy, bridging, land, self build, commercial mortgages as well as a home equity facility on our main home. Highly knowledgeable and experienced, Ryan and the team have been an integral part of building our portfolio. Highly recommended!
When it comes to getting things sorted, look no further.. professional friendly approach, knowledgeable in all aspect’s of the process. Total peace of mind, from start to finish. Could not recommend anyone higher in this field.
Ryan and his team helped us to sort out a remortgage on a buy to let property. Their knowledge and professionalism is second to none and I would have no hesitation in recommending ERG Finance to anybody.
Very easy process from start to finish. Top company, thanks guys
Really happy with the service
This guy is the best in the business. I have worked with Ryan Garbett for 10 years. He is literally the most important business contact in my phone book. I would not have the property portfolio I have today if it was not for him and my hard work. He has never ever lost me a deal and has believed in my ability to produce in property world when others did not.
Ryan managed a complex finance deal for us early in the year. His understanding of the property space and ability to find solutions where others couldn’t was key. Professional, capable, and highly recommended.
Ryan and the team offered solutions that no-one else I spoke to provided and were ideal for the unique set of variables I have. I can't speak more highly of him. I can't imagine going anwhere else.
Ryan has been fantastic throughout the years. He's made everything clear and straightforward, always taking the time to explain my options and answer any questions. His knowledge, professionalism, and patience really stood out. I felt confident and supported every step of the way. I’d highly recommend Ryan to anyone looking for reliable mortgage advice.
I’ve used Ryan on numerous occasions to help secure development finance and three separate mortgages, and in every case, he has been absolutely outstanding. The development finance deals he arranged for me were not only secured quickly but were also perfectly tailored to support the progress of our projects. His expertise and dedication have been instrumental in helping us move forward with our developments.”
Ryan was amazing to work with. He was super knowledgeable, reassuring and was always pushing for the best deal possible. Highly recommend!
Ryan is exceptional at what he does, professional, friendly, and truly customer-focused. I’ve gone through three mortgage processes with him and wouldn’t consider working with anyone else.
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Frequently Asked Questions
A mortgage broker acts as an intermediary between you and potential lenders. We provide expert advice, access to exclusive deals, and help you navigate complex financial scenarios to secure the most suitable mortgage solution.
A whole-of-market broker, like ERG Finance, has access to a wide range of lenders, including Private Banks and Specialist Lenders. A tied broker is limited to offering products from a single lender or a small selection.
We specialize in residential mortgages, high-net-worth (HNW) mortgages, self-build finance, bridging finance, buy-to-let, development finance, and commercial finance.
Yes. We have extensive experience working with clients who have complex income streams, including business owners, company directors, and those with multiple income sources.
This depends on various factors, including your income, credit profile, existing liabilities, and the value of the property. We conduct an in-depth assessment to determine your borrowing capacity. Within 10 minutes of an initial consultation, we can provide a rough guide on what we think you could secure.
Our strong relationships with Private Banks and Specialist Lenders allow us to present your case effectively, ensuring you have access to bespoke lending solutions not available on the open market.
The timeline can vary based on the complexity of the case and the lender's requirements. Standard applications can take a few weeks, while complex cases may take longer. We manage the process from start to finish to ensure timely outcomes.
Typically, you'll need proof of identity, income (payslips, accounts, or tax returns), bank statements, and details of your assets and liabilities. We’ll guide you through the requirements specific to your case.
Absolutely. Whether you're looking to release equity, secure a better rate, or adjust your mortgage terms, we can provide strategic advice and access competitive options.
If you are truly whole-of-market, you simply cannot be a "fee-free" broker. A handful of lenders don't pay brokers' fees, and it would be poor advice to ignore them. As part of our research, we speak to all lenders to ensure you receive the best possible advice.
When we present mortgage terms, we clearly annotate the fee structure associated with the deal. Should you be happy with the fee structure, we will proceed with the application process.
We believe in transparency and clarity, ensuring you understand all costs associated with securing your mortgage.
We handle all client information with the utmost discretion and adhere to strict data protection regulations. Confidentiality is paramount, especially when dealing with high-net-worth individuals.
Yes, our deep understanding of the property market means we can provide strategic advice for property investors, including buy-to-let, development, and commercial investments.
ERG Private Finance Ltd - trading as ERG Finance is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority: FCA Number 460421. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority.