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Berkshire Autos Ltd

Mortgage Brokers · Reading · Est. 2021

5 years

Active Trading

Active

CH Status

13794871

Company No

2024

Accounts to

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Company Registration Details

Registered company name	Berkshire Autos Ltd
Companies House number	13794871 →
Company type	Private Limited Company (Ltd)
Registered address	200 , Regus, Brook Drive, RG2 6UB
City / Region	Reading
Date incorporated	2021
Years trading	5 years
CH status	Active
Specialism	Recorded activity: 45112
Index status	Claim this listing →

About Berkshire Autos Ltd

Incorporated in 2021, Berkshire Autos Ltd is an established firm with 5 years of trading history. The company has built its practice during a period of significant evolution in the UK financial services market and continues to operate as an active registered company.

The Kaeltripton Financial Index records 5754 mortgage brokers nationally, 106 of them in Reading.

The FCA register is the authoritative check that a firm can lawfully advise on regulated mortgage contracts.

What Mortgage Brokers Do

Mortgage brokers arrange lending between borrowers and banks or building societies, matching an application to lenders likely to accept it. Access varies by firm: whole-of-market, a multi-lender panel, or ties to specific lenders, each with disclosure obligations.

For borrowers outside standard criteria, knowing which specialist lender will say yes is the core of the service.

How to Choose the Right Mortgage Broker

Specialist knowledge of niche lenders is what separates firms when an application falls outside standard criteria. Ask any prospective firm how many lenders it can place with and whether it has handled cases like yours recently.

Broker remuneration typically combines a lender-paid procuration fee with an optional client fee, both disclosable under FCA rules.

Frequently Asked Questions

Do I need a mortgage broker or can I go directly to a lender?

Direct applications are always possible but confine you to one lender's range. An intermediary compares products across many lenders at once, which tends to matter most where circumstances are non-standard: self-employment, credit history issues or unusual property.

How much does a mortgage broker charge?

Many firms are paid entirely by the lender through a procuration fee, so no client charge applies; others add a client fee, particularly for complex work. Whatever the model, it must be disclosed clearly before you commit.

What documents do I need to provide to a mortgage broker?

Expect to provide identity and address proof, recent bank statements, payslips or accounts if self-employed, details of existing credit commitments, and information on the property. The firm will confirm the exact list for your lender.

How long does the mortgage process take when using a broker?

Timescales depend on the lender and case complexity: a few weeks for standard residential, longer for specialist or commercial. Ask the firm for a realistic estimate for your specific case.

Can a mortgage broker help if I have been declined by a lender?

Yes, and this is where criteria knowledge earns its fee: lenders differ sharply on credit history, income types and property construction, and a decline at one lender often converts to an approval at another with the right placement.

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Important notice: This page contains publicly available information sourced from the Companies House public register. Kaeltripton.com is a directory service and is not affiliated with Berkshire Autos Ltd or any listed firm. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

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Berkshire Autos Ltd | Mortgage Brokers | Reading | Est. 2021