• Novus Financial Solutions

  • Novus

    Valued Relationships

  • A let-to-buy mortgage can be complicated as it involves refinancing your existing property based on the potential rental yield, whilst simultaneously finding a new residential mortgage to fund the onward purchase of a new property.



    Buy To Let

  • The prospect of buying your first home can be both daunting and confusing. Our aim is to guide you through the process from start to finish so that you understand exactly what the purchase entails and how much it will cost.




  • When it comes to high value mortgages, where lender conditions and rates can be more flexible, looking to high street lenders may not be the best solution as they do not typically have the experience in underwriting them.



    High Net Worth

  • Interest Only Mortgages are designed to keep your monthly payments as low as possible. You only pay the interest owed on the loan and none of the capital which means your monthly repayment remains low.



    Later Life Lending

Here at Novus Financial Solutions our mission is to provide a professional, personable service with a focus on communication, valued relationships, quality advice and delivering great outcomes for all our clients.

We are a whole of market mortgage broker who has the knowledge, expertise and contacts to ensure access to a diverse range of lending criteria, at the most competitive rates available. We take the time to discuss your current and future objectives, whilst understanding the importance of building long term relationships. We believe this allows us to recommend the right products for your specific goals.

In today’s world how often do you feel like just another number in a process? It’s important to us that you feel valued as a client and we think that’s about getting the basics right. Taking the time to talk to you, always being on the end of the phone and staying in touch on a regular basis are the foundations of what we do.

As your career develops, family grows or circumstances change, the value of having an established relationship means you can understand the impact on your mortgage options simply by picking up the phone to someone you trust.

Client Testimonials

  • Tom Allen has arranged a number of mortgages for us, always finding us what we wanted and on good terms for us. He's hard-working and committed to getting the job done.

    Ruth N.
  • Im so glad I found Tom and Novus finance. He has made the process of renewing my mortage extremely easy and pain free. Tom is extremely diligent and makes an enormous effort with making sure he is getting the right product for you. Thanks again Tom for all your effort and hard work.

    Emma J.
  • Many thanks for all your help with our remortgage. We're really pleased with the advice and the deal you found us, which we I don't think we'd have found and considered as an option ourselves. 

    Geoff L.
  • Tom Allen has a excellent track record of helping me find mortgages over the past 6 years: a couple of residential mortgages, a portfolio of several buy-to-let properties, and to top it off, a commercial loan for a property management company. Three key attributes mark Tom out as an outstanding mortgage broker. First, he is proactive and efficient. He anticipated what would be needed by the banks and worked with me to gather relevant information and documents ahead of time, resulting in minimal questions during the application process. He could retrieve my P60 in the past 3 years faster than I can. Second, he is detail-oriented and source from the entire market with diligence. On one occasion, he presented a spectrum of lenders ranging from a state bank of an Asian country, a private bank headquartered in another continent, to a building society of a market town, each with its own attributes to select from. Third, which i value most, is that Tom plays fair. When he couldn’t beat my own bank with which I had a premier account, he advised me so. When he overlooked an obscure point in the lender’s terms, he reduced his fee to bridge the gap and made the deal happen. I prize competition, and Tom had beaten other brokers I used. Tom’s professionalism is worth every penny!


    Eric T.
  • Tom, we cannot thank you enough for everything you did for us in getting a mortgage for our new home! You made everything so straight forward and made us feel like we were special! Thank you for every call and message and follow up email! You put so much effort and care into our mortgage and at such a stressful time in your career! We cannot thank you enough!

    Beth W.
  • The customer experience I received through Ajay Waroo was excellent. Due to the complex nature of my mortgage requirements, Ajay was quick to understand exactly what needed to be done and used his expertise to really get the best deal for me, and in the process save me paying around £10k in ERC fees. I cannot rate Ajay highly enough. I felt very comfortable knowing that this process was in safe hands, at a time where in my personal life things were not so good. Thank you Ajay, you will be hearing from me in 2 years time! :)

    Pritesh D.
  • I used Ajay as my mortgage broker based on a recommendation. He most certainly lived up to the expectation. Ajay helped both myself and my brother throughout the whole mortgage application and gave us some fantastic financial advice throughout.  We weren’t the simplest of cases! As first time buyers we were extremely nervous to start the mortgage process but Ajay made everything a lot simpler. Advice was always prompt and easy to understand (this was so helpful to us as first time buyers). I am so grateful to all the help from Ajay, he was supportive throughout the whole process from beginning to end. Going above and beyond what you’d expect from a normal mortgage broker. I would highly recommend his services at Novus Finance and I will be using him again as my mortgage broker in the future!

    Isabella A.
  • Jonathan Smith has helped me achieve serial optimum BTL refinancing solutions despite cyclical market wobbles, stamp duty and tax dampeners and endless Brexit uncertainties. It was my lucky day to have Jonathan assigned at Novus Financial Solutions. His understanding of the market achieves fantastic tailored offers and rates for clients. At times for me, via his outstanding judgement and industry contacts, even when the computer wants to say no. Jonathan is also very fair on fees. I recommend him to all who ask. 

    Anna B.
  • We have known Jonathan Smith over a number of years and he has handled numerous mortgages and re-mortgages for us. Jonathan is highly professional and an expert in his field. Specifically, he researches and finds the best deals suited to our needs. He has extensive market knowledge and works very hard. Jonathan offers a superb service, as he puts us (the client) at the heart of his actions. He goes ‘above and beyond’ what we expect. We highly recommend Jonathan Smith. 

    Mohammed S.
  • You have been outstanding in the service you have provided us over the years dealing with the many scenarios we have presented you with. Some easier than others! We wish you every success in your new role and will no doubt be speaking to you in the future. 

    Shirley & David