Case Study Archives

CASE STUDY – January 2019 – The discharged bankrupt that was not prepared to wait

This case was the second of two mortgages we arranged for our customer who is a discharged bankrupt. We arranged the original mortgage for a purchase of a new build and he returned shortly after to borrow additional money for his use by his … [Read more...]

AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay. Niche Advice Limited is a Credit Broker and does not lend money directly to clients. Niche Advice Limited is authorised and regulated by the Financial Conduct Authority.

FCA Number: 750263.

Commercial Buy-to-Let and commercial mortgages are not regulated by the Financial Conduct Authority.

Our Fees

Click here for our fees structure. A full detailed fee plan will accompany all our quotes.

Niche Advice Limited has a commercial arrangement under an affiliate programme with Check My File and is remunerated for referrals.

Terms and Conditions

If you wish to register a complaint, please write to us on the details below or call us on: 020 7993 2044.

Correspondence Address: Niche, Unit F3, The Addington Business Centre, Vulcan Way, New Addington, Surrey CR0 9UG.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234567.

Site Terms and Conditions
Customer Privacy Notice

img.wp-smiley,img.emoji{display:inline !important;border:none !important;box-shadow:none !important;height:1em !important;width:1em !important;margin:0 .07em !important;vertical-align:-.1em !important;background:none !important;padding:0 !important;}.wp-block-button__link{color:#fff;background-color:#32373c;border-radius:9999px;box-shadow:none;text-decoration:none;padding:calc(.667em + 2px) calc(1.333em + 2px);font-size:1.125em;}.wp-block-file__button{background:#32373c;color:#fff;text-decoration:none;}:root{--wp--preset--aspect-ratio--square:1;--wp--preset--aspect-ratio--4-3:4/3;--wp--preset--aspect-ratio--3-4:3/4;--wp--preset--aspect-ratio--3-2:3/2;--wp--preset--aspect-ratio--2-3:2/3;--wp--preset--aspect-ratio--16-9:16/9;--wp--preset--aspect-ratio--9-16:9/16;--wp--preset--color--black:#000;--wp--preset--color--cyan-bluish-gray:#abb8c3;--wp--preset--color--white:#fff;--wp--preset--color--pale-pink:#f78da7;--wp--preset--color--vivid-red:#cf2e2e;--wp--preset--color--luminous-vivid-orange:#ff6900;--wp--preset--color--luminous-vivid-amber:#fcb900;--wp--preset--color--light-green-cyan:#7bdcb5;--wp--preset--color--vivid-green-cyan:#00d084;--wp--preset--color--pale-cyan-blue:#8ed1fc;--wp--preset--color--vivid-cyan-blue:#0693e3;--wp--preset--color--vivid-purple:#9b51e0;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple:linear-gradient(135deg,rgba(6,147,227,1) 0%,#9b51e0 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan:linear-gradient(135deg,#7adcb4 0%,#00d082 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange:linear-gradient(135deg,rgba(252,185,0,1) 0%,rgba(255,105,0,1) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red:linear-gradient(135deg,rgba(255,105,0,1) 0%,#cf2e2e 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray:linear-gradient(135deg,#eee 0%,#a9b8c3 100%);--wp--preset--gradient--cool-to-warm-spectrum:linear-gradient(135deg,#4aeadc 0%,#9778d1 20%,#cf2aba 40%,#ee2c82 60%,#fb6962 80%,#fef84c 100%);--wp--preset--gradient--blush-light-purple:linear-gradient(135deg,#ffceec 0%,#9896f0 100%);--wp--preset--gradient--blush-bordeaux:linear-gradient(135deg,#fecda5 0%,#fe2d2d 50%,#6b003e 100%);--wp--preset--gradient--luminous-dusk:linear-gradient(135deg,#ffcb70 0%,#c751c0 50%,#4158d0 100%);--wp--preset--gradient--pale-ocean:linear-gradient(135deg,#fff5cb 0%,#b6e3d4 50%,#33a7b5 100%);--wp--preset--gradient--electric-grass:linear-gradient(135deg,#caf880 0%,#71ce7e 100%);--wp--preset--gradient--midnight:linear-gradient(135deg,#020381 0%,#2874fc 100%);--wp--preset--font-size--small:13px;--wp--preset--font-size--medium:20px;--wp--preset--font-size--large:36px;--wp--preset--font-size--x-large:42px;--wp--preset--spacing--20:.44rem;--wp--preset--spacing--30:.67rem;--wp--preset--spacing--40:1rem;--wp--preset--spacing--50:1.5rem;--wp--preset--spacing--60:2.25rem;--wp--preset--spacing--70:3.38rem;--wp--preset--spacing--80:5.06rem;--wp--preset--shadow--natural:6px 6px 9px rgba(0,0,0,.2);--wp--preset--shadow--deep:12px 12px 50px rgba(0,0,0,.4);--wp--preset--shadow--sharp:6px 6px 0px rgba(0,0,0,.2);--wp--preset--shadow--outlined:6px 6px 0px -3px rgba(255,255,255,1),6px 6px rgba(0,0,0,1);--wp--preset--shadow--crisp:6px 6px 0px rgba(0,0,0,1);}body .is-layout-flex{display:flex;}.is-layout-flex{flex-wrap:wrap;align-items:center;}.is-layout-flex > :is(*,div){margin:0;}body .is-layout-grid{display:grid;}.is-layout-grid > :is(*,div){margin:0;}.has-black-color{color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color:var(--wp--preset--color--white) !important;}.has-pale-pink-color{color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color:var(--wp--preset--color--vivid-purple) !important;}.has-black-background-color{background-color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color:var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color:var(--wp--preset--color--vivid-purple) !important;}.has-black-border-color{border-color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color:var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color:var(--wp--preset--color--vivid-purple) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background:var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background:var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background:var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background:var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background:var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background:var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background:var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background:var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background:var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background:var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size:var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size:var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size:var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size:var(--wp--preset--font-size--x-large) !important;}:root :where(.wp-block-pullquote){font-size:1.5em;line-height:1.6;}.epyt-gallery-thumb{width:25%;}.ubermenu-main .ubermenu-item .ubermenu-submenu-drop{-webkit-transition-duration:200ms;-ms-transition-duration:200ms;transition-duration:200ms;}.ubermenu-main .ubermenu-item-layout-image_left > .ubermenu-target-text{padding-left:30px;}.ubermenu-main .ubermenu-item-layout-image_right > .ubermenu-target-text{padding-right:30px;}.ubermenu-main{background-color:#0a0000;background:-webkit-gradient(linear,left top,left bottom,from(#0a0000),to(#000));background:-webkit-linear-gradient(top,#0a0000,#000);background:-moz-linear-gradient(top,#0a0000,#000);background:-ms-linear-gradient(top,#0a0000,#000);background:-o-linear-gradient(top,#0a0000,#000);background:linear-gradient(top,#0a0000,#000);}.ubermenu-main .ubermenu-item-level-0 > .ubermenu-target{color:#fff;border-left:1px solid #4c4c4c;}.ubermenu.ubermenu-main .ubermenu-item-level-0 > .ubermenu-target{background-color:#000;background:-webkit-gradient(linear,left top,left bottom,from(#000),to(#000));background:-webkit-linear-gradient(top,#000,#000);background:-moz-linear-gradient(top,#000,#000);background:-ms-linear-gradient(top,#000,#000);background:-o-linear-gradient(top,#000,#000);background:linear-gradient(top,#000,#000);}.ubermenu.ubermenu-main .ubermenu-item-level-0:hover > .ubermenu-target,.ubermenu-main .ubermenu-item-level-0.ubermenu-active > .ubermenu-target{background-color:#000;background:-webkit-gradient(linear,left top,left bottom,from(#000),to(#000));background:-webkit-linear-gradient(top,#000,#000);background:-moz-linear-gradient(top,#000,#000);background:-ms-linear-gradient(top,#000,#000);background:-o-linear-gradient(top,#000,#000);background:linear-gradient(top,#000,#000);}.ubermenu-main .ubermenu-item-level-0.ubermenu-current-menu-item > .ubermenu-target,.ubermenu-main .ubermenu-item-level-0.ubermenu-current-menu-parent > .ubermenu-target,.ubermenu-main .ubermenu-item-level-0.ubermenu-current-menu-ancestor > .ubermenu-target{background:#d63194;}.ubermenu-main .ubermenu-item.ubermenu-item-level-0 > .ubermenu-highlight{background:#000;}.ubermenu-main .ubermenu-item-level-0 > .ubermenu-target,.ubermenu-main .ubermenu-item-level-0 > .ubermenu-custom-content.ubermenu-custom-content-padded{padding-top:20px;padding-bottom:20px;}.ubermenu-main .ubermenu-submenu.ubermenu-submenu-drop{background-color:#000;border:1px solid #4f4f4f;color:#d63194;}.ubermenu-main .ubermenu-submenu .ubermenu-highlight{color:#fff;}.ubermenu-main .ubermenu-item-normal > .ubermenu-target,.ubermenu-main .ubermenu-submenu .ubermenu-target,.ubermenu-main .ubermenu-submenu .ubermenu-nonlink,.ubermenu-main .ubermenu-submenu .ubermenu-widget,.ubermenu-main .ubermenu-submenu .ubermenu-custom-content-padded,.ubermenu-main .ubermenu-submenu .ubermenu-retractor,.ubermenu-main .ubermenu-submenu .ubermenu-colgroup .ubermenu-column,.ubermenu-main .ubermenu-submenu.ubermenu-submenu-type-stack > .ubermenu-item-normal > .ubermenu-target,.ubermenu-main .ubermenu-submenu.ubermenu-submenu-padded{padding:13px 40px;}.ubermenu .ubermenu-grid-row{padding-right:13px 40px;}.ubermenu .ubermenu-grid-row .ubermenu-target{padding-right:0;}.ubermenu-main .ubermenu-submenu .ubermenu-item-header > .ubermenu-target{color:#fff;background-color:#000;}.ubermenu-main .ubermenu-submenu .ubermenu-item-header > .ubermenu-target:hover{color:#d63194;}.ubermenu-main .ubermenu-nav .ubermenu-submenu .ubermenu-item-header > .ubermenu-target{font-weight:bold;}.ubermenu-main .ubermenu-item-normal > .ubermenu-target{color:#fff;font-weight:bold;}.ubermenu.ubermenu-main .ubermenu-item-normal > .ubermenu-target:hover,.ubermenu.ubermenu-main .ubermenu-item-normal.ubermenu-active > .ubermenu-target{color:#fff;background-color:#d63194;}.ubermenu-main .ubermenu-submenu-type-flyout > .ubermenu-item-normal > .ubermenu-target{padding-top:13px;padding-bottom:13px;border-bottom:1px solid #fff;}.ubermenu .ubermenu-item.ubermenu-item-7971 > .ubermenu-target{color:#f9f9f9;}.ubermenu .ubermenu-submenu-id-2661 > .ubermenu-column + .ubermenu-column:not(.ubermenu-clear-row){border-left:1px solid #fff;}.ubermenu .ubermenu-submenu-id-2661 > .ubermenu-column + .ubermenu-column-1-4:nth-child(4n+1){border-left:none;}.ubermenu .ubermenu-item-2661 > .ubermenu-item-layout-image_left > .ubermenu-target-title,.ubermenu .ubermenu-item-2661 > .ubermenu-item-layout-image_right > .ubermenu-target-title{padding-top:10px;}.ubermenu .ubermenu-submenu-id-2655 > .ubermenu-column + .ubermenu-column:not(.ubermenu-clear-row){border-left:1px solid #fff;}.ubermenu .ubermenu-submenu-id-2655 > .ubermenu-column + .ubermenu-column-1-4:nth-child(4n+1){border-left:none;}.ubermenu .ubermenu-submenu-id-3543 > .ubermenu-column + .ubermenu-column:not(.ubermenu-clear-row){border-left:1px solid #fff;}.ubermenu .ubermenu-submenu-id-3543 > .ubermenu-column + .ubermenu-column-1-4:nth-child(4n+1){border-left:none;}.ubermenu .ubermenu-submenu-id-9861 > .ubermenu-column + .ubermenu-column:not(.ubermenu-clear-row){border-left:1px solid #fff;}.ubermenu .ubermenu-submenu-id-9861 > .ubermenu-column + .ubermenu-column-1-4:nth-child(4n+1){border-left:none;}.ubermenu .ubermenu-item.ubermenu-item-10540.ubermenu-active > .ubermenu-target,.ubermenu .ubermenu-item.ubermenu-item-10540 > .ubermenu-target:hover,.ubermenu .ubermenu-submenu .ubermenu-item.ubermenu-item-10540.ubermenu-active > .ubermenu-target,.ubermenu .ubermenu-submenu .ubermenu-item.ubermenu-item-10540 > .ubermenu-target:hover{background:#22acd6;}.ubermenu .ubermenu-item.ubermenu-item-10539.ubermenu-active > .ubermenu-target,.ubermenu .ubermenu-item.ubermenu-item-10539 > .ubermenu-target:hover,.ubermenu .ubermenu-submenu .ubermenu-item.ubermenu-item-10539.ubermenu-active > .ubermenu-target,.ubermenu .ubermenu-submenu .ubermenu-item.ubermenu-item-10539 > .ubermenu-target:hover{background:#1f61c4;}.ubermenu .ubermenu-item.ubermenu-item-10538.ubermenu-active > .ubermenu-target,.ubermenu .ubermenu-item.ubermenu-item-10538 > .ubermenu-target:hover,.ubermenu .ubermenu-submenu .ubermenu-item.ubermenu-item-10538.ubermenu-active > .ubermenu-target,.ubermenu .ubermenu-submenu .ubermenu-item.ubermenu-item-10538 > .ubermenu-target:hover{background:#d11f1f;}.ubermenu .ubermenu-submenu.ubermenu-submenu-id-10541{min-width:1px;}#megaMenu.wpmega-preset-flat-pink-bar-dark{background:#d70481;}#megaMenu.wpmega-preset-flat-pink-bar-dark ul.megaMenu ul.sub-menu li.menu-item a:hover span.wpmega-link-title,#megaMenu.wpmega-preset-flat-pink-bar-dark ul.megaMenu ul.sub-menu li.menu-item.megaHover > a span.wpmega-link-title,#megaMenu.wpmega-preset-flat-pink-bar-dark ul.megaMenu li.menu-item.ss-nav-menu-mega ul.sub-menu li.menu-item ul.wpmega-postlist div.wpmega-postlist-title a:hover,#megaMenu.wpmega-preset-flat-pink-bar-dark ul.megaMenu li.menu-item.current-menu-ancestor ul.sub-menu li.menu-item.current-menu-item > a{color:#d70481;background-color:transparent;}#megaMenu.wpmega-preset-flat-pink-bar-dark ul.megaMenu li.menu-item ul.sub-menu li.menu-item.ss-nav-menu-highlight > a,#megaMenu.wpmega-preset-flat-pink-bar-dark ul.megaMenu li.menu-item ul.sub-menu li.menu-item.ss-nav-menu-highlight > span.um-anchoremulator,#megaMenu.wpmega-preset-flat-pink-bar-dark ul.megaMenu li.menu-item ul.sub-menu li.menu-item.ss-nav-menu-highlight:hover > a,#megaMenu.wpmega-preset-flat-pink-bar-dark ul.megaMenu li.menu-item ul.sub-menu li.menu-item.ss-nav-menu-highlight:hover > span.um-anchoremulator{color:#d70481;}#megaMenu.wpmega-preset-flat-pink ul.megaMenu>li.menu-item.current-menu-item>a,#megaMenu.wpmega-preset-flat-pink ul.megaMenu>li.menu-item.current-menu-parent>a,#megaMenu.wpmega-preset-flat-pink ul.megaMenu>li.menu-item.current-menu-ancestor>a{background:#d70481;}.site-title a{background:url("https://cdn-cmeci.nitrocdn.com/wUIvNpKBbAwgdlAybrIuJnVxllVbbyox/assets/images/optimized/rev-6e0bed4/www.nicheadvice.co.uk/wp-content/uploads//2023/10/cropped-mortgage-broker-uk.png") no-repeat !important;}.site-title a.nitro-lazy{background-image:none !important;}body.custom-background{background-color:#c4c4c4;}.page-id-7837 header.site-header{display:none;}a#wpcs_handle{background-color:#dd2cb2;color:white;border:1px solid #7f7f7f !important;}.wpcs_content{background-color:white;}.page-id-9410 .site-header{display:none;}.page-id-9410 .menu-secondary{display:none;}.page-id-10272 .menu-secondary{display:none;}

NICHE ADVICE Tel: 020 7993 2044