Independent mortgage brokers with access to 50+ lenders. We find the right deal for you, not just the easiest one to arrange.
FCA-regulated advice for first-time buyers, landlords, businesses, and property developers across London, Crayford, and the South East. Transparent fees, always explained upfront.
Or call us on 07444 411739, Monday to Friday, 9am to 6pm.
Getting a mortgage does not need to be complicated. Here is exactly what happens when you work with us.
Call us, fill in our online enquiry form, or book a free consultation. We take a few minutes to understand your goals, budget, and circumstances, whether you are buying for the first time, remortgaging, or raising finance for a development.
We compare deals from 50+ lenders, including specialist providers not available on the high street. Your dedicated adviser identifies the most suitable product for your circumstances and explains your options in plain English, including our fees, before you commit to anything.
We handle your full application, liaise directly with the lender, and keep you updated at every stage. From your mortgage in principle through to completion, we manage the paperwork so you can focus on your next move.
Square Gain Capital is an independent, FCA-regulated mortgage broker based in Crayford, serving clients across London, Dartford, and the wider South East. We specialise in residential mortgages, buy-to-let finance, insurance and protection, commercial mortgages, and development finance, giving you access to the whole market through a single, trusted adviser.
Our qualified mortgage advisers have helped hundreds of clients, including first-time buyers stepping onto the property ladder for the first time, seasoned portfolio landlords, and property developers funding large-scale schemes. We manage every step from your mortgage in principle right through to completion. Our fees are always explained clearly before we start. The MoneyHelper guide to mortgage brokers is a good starting point if you are new to the process.
From a first home to a full development scheme, whatever your property finance need, we have the specialist knowledge and lender relationships to make it happen.
Buying your first home? We explain every step, from saving your deposit and understanding stamp duty relief, to getting your mortgage in principle and choosing the right fixed-rate deal from 50+ lenders.
Fixed rate, tracker, or variable: we compare the full market to find the best residential mortgage rates for your income, deposit, and property type, including new build mortgages and home mover deals.
Fixed rate ending soon, or looking to release equity? We compare the best remortgage deals from 50+ lenders and handle the switch from start to finish. Use our free mortgage repayment calculator to see what you could save.
For first-time and experienced landlords alike. We compare BTL rates from specialist lenders, advise on rental yield stress tests, and guide you between individual and limited company SPV structures. Free BTL yield calculator available.
Investing through a limited company or SPV? We work with specialist lenders who understand company accounts, director loan structures, and portfolio landlord assessments, and we advise on whether this structure is right for your situation.
Own four or more mortgaged properties? Portfolio landlord criteria is tougher, but we navigate background portfolio assessments and find specialist lenders who look at the full picture. Learn more on our portfolio landlord page.
Short-term finance for auction purchases, chain breaks, and property refurbishments: regulated and unregulated products up to 24 months. Use our free bridging loan calculator to estimate the total cost before you apply.
Sole trader, freelancer, contractor, or limited company director? Specialist lenders will consider just one year of accounts, SA302s, or day-rate contracts. Our self-employed mortgage advisers know exactly which lenders to approach for complex income.
New builds come with unique challenges: shorter offer periods, developer incentives, and off-plan purchases. We work with lenders who specialise in new build properties across London and the South East and who offer extended mortgage offer windows.
Finance for offices, retail units, care homes, warehouses, hotels, and factories: owner-occupied and investment. We also arrange semi-commercial mortgages for mixed-use properties such as a shop with a flat above.
Specialist HMO mortgages for licensed houses in multiple occupation: small and large HMOs, Article 4 areas, and complex multi-tenant investment properties. We work with lenders who understand HMO licensing and room-by-room rental income assessment.
Ground-up construction loans with staged drawdown and loan-to-GDV up to 75%. We source residential development finance and commercial development loans from specialist lenders with fast credit decisions.
Ground-up construction loans with staged drawdown and loan-to-GDV up to 75%. We source residential development finance and commercial development loans from specialist lenders with fast credit decisions.
Finance for sites with or without planning permission. We arrange land purchase loans that can fund the planning application and bridge into development finance once consent is granted, covering residential plots, agricultural land, and strategic sites.
We compare life insurance, critical illness cover, income protection, and landlord insurance from 20+ UK insurers, arranged alongside your mortgage so nothing gets missed.
Secured and unsecured business loans for growth and working capital. We also arrange asset finance for vehicles, equipment, and machinery, and invoice finance to release cash from unpaid invoices, from 40+ specialist commercial lenders.
We were first-time buyers with no idea where to begin. Square Gain Capital explained the whole process clearly, found us a rate we genuinely could not have sourced ourselves, and kept us updated at every stage. The broker fee was completely transparent from the start. Brilliant from start to finish.”
First-Time Buyers, South East London
I have remortgaged three buy-to-let properties through Square Gain Capital and the experience has been excellent every time. They know exactly which lenders to approach for portfolio landlords, the process runs smoothly, and they are completely upfront about their fees. Highly recommended.
Portfolio Landlord, Crayford
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A mortgage broker searches the whole market on your behalf to find the most suitable deal for your circumstances. Unlike going directly to a bank, where you only see their own products, a whole-of-market broker like Square Gain Capital compares deals from 50+ lenders, including specialist providers not on the high street. We manage your application, liaise with the lender, and guide you through to completion. The MoneyHelper website has a useful independent overview of why using a broker typically saves you both time and money.
Yes. We charge a broker fee, which is clearly disclosed before you commit to anything. We explain exactly what it covers and when it is due. We also receive a procuration fee (lender commission) when your mortgage completes: this is standard practice across the industry and is disclosed in full as required by the FCA. There are no hidden charges. For full details before booking, see our Why Choose Us page or get in touch and we will walk you through it.
A mortgage in principle (MIP), also called an agreement in principle (AIP), is a conditional statement from a lender confirming how much they would be willing to lend you, based on a soft credit check that does not affect your credit score. Most estate agents ask for one before accepting an offer, and we can typically arrange yours within 24 hours.
Yes. Being self-employed does not stop you from getting a mortgage: it simply means you need the right lender. Most high-street banks ask for two to three years of accounts or SA302 tax returns, but specialist lenders will consider just one year of trading history, or assess income based on contracts and day rates. Our self-employed mortgage advisers know exactly which lenders to approach for sole traders, contractors, freelancers, and limited company directors.
Yes. We cover the full range of property finance. For landlords, we advise on buy-to-let mortgages, limited company SPV structures, portfolio landlord finance, and HMO mortgages. For businesses and developers we arrange commercial mortgages, business loans, and development finance. Use our free buy-to-let yield calculator to assess any investment property before we speak.
Book a free initial consultation by phone, video call, or in person at our Crayford office. You can also call us directly on 07444 411739, or use our free mortgage calculators to start planning before we speak. We always explain our fees clearly before any work begins.
