Hello. We’re Y3S, Britain’s favourite specialist mortgage broker.

Since 2001, we’ve packaged billions of pounds of specialist first and second charge mortgage enquiries, bridging loans and commercial finance on behalf of financial intermediaries.

We like to think of ourselves as the superheroes of the industry, always on call for our introducers, ready to save the day and find funds for their clients with unusual needs or expectations.

Learn more about our principles

As Britain's leading specialist master broker we make it as simple as possible to get quotes...

Call 0800 014 7797 to speak to one of our advisors or get a quote online.
We load the application, give the advice and send out the quotes.
Happy? Our courier visits your client to get the paperwork signed.
We work quickly to complete the loan and send your commission within 24 hours.

First Charge Mortgages

Specialist first charge mortgages from the leading UK lenders.

  • £40,000 - £1m
  • Rates from 2.94%
  • Up to 80% LTV
  • 1st-time buyers, home movers & remortgages
  • Residential & buy-to-let
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Second Charge Loans

The best alternative to a remortgage or a further advance.

  • £10,000 - £2.5m
  • Rates from 3.75%
  • Up to 95% LTV
  • Residential & buy-to-let
  • Low ERC’s
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Bridging Loans & Finance

Boutique professional finance products for your clients.

  • £25,000 - £100m+
  • Rates from 0.44%
  • Up to 80% LTV
  • Short-term bridging loans up to 24 months
  • Development finance & auction finance
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Commercial Mortgages

Specialist commercial mortgages for businesses and landlords of any size.

  • £25,000 - £10m+
  • Rates from 0.44%
  • Up to 80% LTV
  • Long term, buy-to-let & HMO mortgages
  • Limited company mortgages
Learn more