Mortgage and protection advice that puts your goals first
York's specialist mortgage and protection broker
Based in York and helping clients across the UK, we make mortgages and protection straightforward, whatever your situation.
Self-employed, first-time buyer, remortgaging, growing a property portfolio, or looking to protect your income and family, we'll find the right solution for you.
Mortgages shouldn't feel like a fight.
Property finance can be messy. Lenders can be rigid. And life doesn't always fit the tick-boxes. That's why we take the time to understand what you're trying to achieve and make the finance work around it.
Book a consultation and let's talk it through.
Our services
We work closely with specialist lenders and providers, guiding you with clarity and confidence at every step.
Straightforward or a complex case, we've got you
We deliver straight-talking, jargon-free mortgage and protection advice, based in York and serving clients nationwide. Whether your situation is simple or complex, we'll find the right solution for you. Curious to see who we are and how we work?
Honest mortgage advice, built around you
Specialist advice
We know how to match your situation to the right lender.
Straight-talking
No jargon. Just clear guidance to help you move forward.
Hands-on
A dedicated team that’s always there when you need us.
Experienced
Unique circumstances? We make complex applications work.
“Inca Financial have been amazing once again! We’ve had seamless market leading service when purchasing a new investment property and remortgaging an existing property. I couldn’t recommend the team highly enough!”
- Jack Mather, Home Owner & Property Investor
Mortgage calculator
Wondering what your mortgage could be? Use this calculator for a quick estimate of your monthly repayments. Remember, it’s just a guide. Speak with a mortgage expert for a true assessment.
Let’s talk it through
Our first call is about getting a clear picture of where you are and what you're trying to do.
No forms, no pressure. Just a quick conversation to get started.
Ready to get started?
Call Inca Financial on: 01904 230 051
Or email the team: inca@incafinancial.co.uk
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Not to us, it’s what we specialise in. We work with lenders who understand how business owners and freelancers get paid. Whether you take a small salary, dividends, or have fluctuating income, we know how to present your case properly.
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Absolutely. We arrange buy-to-let mortgages through limited companies all the time, especially for landlords growing their portfolios or planning long-term.
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Yes, we support ground-up developments, conversions, and semi-commercial projects. We’ll help structure the finance and connect you with lenders who are comfortable with bigger plans.
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Most likely, yes. We’ll take a fresh look at your circumstances, figure out what went wrong, and match you with someone better suited to your situation.
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Yes, we’re experienced in bridging loans, refurbishment funding and development finance. We’ll help you secure the funds and structure a solid exit plan from the start.
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We help clients with all kinds of credit history. Missed payments, defaults, CCJs, and more. The key is knowing which lenders are open to real-life situations. We’ll look at the full picture and match you with someone who sees past the score.