Medifinance Mortgages

Buy To Let

Buy To Let Purchase

Investing in a Buy to Let property can be a sensible way to supplement your existing income and build future capital if the property value increases.

Getting a Buy to Let mortgage may seem like a minefield with all the industry changes over the past few years, however, at Medifinance Mortgages our team of experts have a deep understanding of this market and will be able to guide you through the process.

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Special Schemes

Help to Buy Mortgage

The governments Help to Buy scheme enables you to purchase a new build property and receive a 5-year interest free loan of up to 40% in London (maximum loan £240,000) and 20% outside London (maximum loan £120,000). The scheme is designed to help people get on, or move up, the property ladder with a small deposit. It is also helping the government in its target to build more new homes.

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Specific Needs

Locum Workers

Doing additional hours and shifts through locum work can be a great way to top up your income. Providing you can prove to the lender that the income is regular and sustainable it will be considered for a mortgage application. The lender is likely to take an average over the last few months or potentially even the last year, typically evidenced through a P60 or payslips.

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Residential Services


It is important when you are nearing the end of a promotional deal that you look into options that will avoid you going on to a lenders Standard Variable Rate (SVR). A lenders SVR can be considerably higher than a market leading deal and can cost you a lot of money. There are occasions when it makes sense to stay on a SVR, for example if you are considering selling the property or if you have a very low variable rate but for most people it makes sense to consider other options.

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Complaints Procedure

Medifinance Limited approach to handling complaints

A complaint is an opportunity. An opportunity to improve our business, an opportunity to identify where we are going wrong and, most importantly, an opportunity to put things right for our customers where appropriate.

As a business we strive to provide a first class service, but sometimes we don’t get it right and fail to match our own high standards. This is natural for any company – nobody can get it right all of the time. However, what sets us apart from other business is how we react when we get it wrong.

This is why complaints are at the heart of our business. It is why we take them seriously and endeavour to deal with complaints effectively and efficiently.

A complaint is one of the most important communications we receive – it provides us with an insight into how we operate and how we are perceived by the outside world. It tells us where we are going wrong and identifies flaws in our systems and services; how we can improve and, ultimately, how we can offer a better service to our customers. This is why complaints must be encouraged and treated with the respect, care and attention they deserve.

This policy details how we deal with complaints. Please take the time to read it carefully and speak to either your manager or me if you have any questions.

Ray Cox Managing Director

12th April 2021

We are committed to treating all of our clients fairly and delivering quality service. If there’s ever a time when you don’t feel we’ve lived up to this then we want to hear from you.


If you wish to register a complaint, please write to or telephone us on

In writing - Medifinance Limited, Hamilton House, Coat, Martock, Somerset, TA12 6AR
By telephone on: 07785 757782
By e-mail on: This email address is being protected from spambots. You need JavaScript enabled to view it.

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 or by contacting them on 0808 301 2391.

If you have a complaint about your personal data held on our systems, you may be entitled to refer this to the Information Commissioners Office -


We will always try to resolve your concerns within two business days. However, if we are unable to do this or we need to conduct more detail investigations, we will send you an acknowledgement of your complaint within five business days of receiving it. We will provide you with a copy of our complaints procedure.

We will always set out our understanding of your complaint, regardless of whether it was received in writing or verbally.


Your complaint will be investigated by somebody experienced and who is not connected to your complaint. In this way we can complete a fair investigation. We may ask you to submit copies of documentation to help us with our investigation.


If we have not been able to resolve your complaint within three weeks, we will write to you and let you know when we expect to complete our investigation.


We will always aim to resolve your complaint within eight weeks of receiving it.

At the end of eight weeks we will write to you with the outcome of our investigation and advise you what to do if you are not satisfied.


If we have not been able to complete our review of your complaint within the eight week period, we will write to you and let you know when we expect to have finished our investigation.

We will also provide you with details of your rights to refer the matter to the Financial Ombudsman Service (FOS). The FOS can be contacted as follows:

Financial Ombudsman Service
Exchange Tower 
E14 9SR 

Telephone@ 0800 0234567
E-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.



Many businesses are still looking to purchase equipment, carry out refurbishments or simply need a cashflow injection in these worrying times. If you are looking for a longer term solution, we have several funders who are offering 3 and 6 month deferred term loans. For more information call one of the team on 03331 500 287, contact us here or Apply Now on the menu above. 


During this period of lock down, paying the bills is a concern for many.

Our funders have put solutions in place to help you through this difficult period and are offering payment holidays with no penalties.

If you need some breathing space with your repayments, it is important that you don't cancel your direct debit! This will cause more complicated issues for you and ultimately affect your credit score in a negative way.

Please let us know if you wish to discuss a payment holiday and we will put you in touch with the correct person to assist you. Contact us here