Our Mortgage Broker in Enfield, London

Gulay Dugunyurdu

Mortgage Broker & Protection Adviser in Enfield, East & North London

I provide mortgage and protection advice in East & North London, working with clients in Enfield, Edmonton, Cheshunt and Waltham Cross.

I offer mortgage advice to commercial and buy to let investors, first time buyers, home movers and anyone looking to refinance. I also specialise in providing protection advice, ensuring all my clients are fully protected and insured.

Career

After graduating with a degree in Accounting, I started my career in financial services and became a mortgage adviser, based in North London. I joined Thomas Oliver in 2021 as a member of their mortgage broking team offering mortgage advice.

Qualifications

I hold the Certificate in Mortgage Advice and Practice (CeMAP). I also offer protection and insurance advice by advising our clients on Income Protection, Life cover and Critical Illness.

Interests

Outside of work, I like to spend time with my family, I also play tennis, and I like socialising with friends and enjoy a good curry.

Comments

I have worked in the financial services sector since 2017. As a Mortgage & Protection adviser, I help to make my clients’ property dreams come true. I pride myself in providing tailored mortgage advice as every client’s situation is different and requires a thoughtful personalised approach.

Mortgage Advice
in Enfield

Taking out a mortgage is a big commitment, and with so many options available, knowing where to begin can feel a little daunting. My aim is to take the pressure off by offering friendly, straightforward mortgage advice in Enfield, East and North London, helping you make decisions that suit your circumstances and future plans.

Whether you are buying your first home, looking to move, or hoping to secure a more suitable deal on your existing mortgage, I will take the time to understand what matters to you and guide you through the choices available.

Everyone's situation is different, so I believe mortgage advice should be personal rather than one-size-fits-all. We will look at your income, priorities and plans before exploring the options that may be right for you. I will explain the process clearly, answer your questions and help you understand the costs and commitments involved, so you can move forward feeling more confident.

If you are looking for mortgage advice in Enfield, East or North London, I am here to help. Get in touch for an initial conversation about your plans, with no obligation to take things further.

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Buy to Let Mortgage Advice in Enfield

Investing in property to rent out can be an exciting opportunity, but choosing the right buy to let mortgage is an important part of making your plans work. I provide approachable, easy-to-understand buy to let mortgage advice in Enfield, East and North London, helping you explore the options available and understand the commitments involved.

Whether you are considering your first rental property or expanding an existing portfolio, I will take the time to understand your investment aims, financial circumstances and expectations before helping you consider suitable mortgage options.

Property investment comes with its own considerations, from rental income and deposit requirements to mortgage costs and lender criteria. I will help you make sense of these factors, explain the differences between available products and answer your questions along the way. My aim is to make the process clearer, so you can assess your options with a better understanding of what may work for you.

If you are exploring a buy to let mortgage in Enfield, East or North London, let's have a conversation. We can discuss your plans, look at the options worth considering and help you decide on your next steps, without any obligation to proceed.

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Commercial Mortgage Advice in Enfield

Finding finance for a commercial property or business venture can involve a different set of challenges from arranging a residential mortgage. With friendly, practical commercial mortgage advice in Enfield, East and North London, I can help you understand the funding options available and navigate the process with greater confidence.

Perhaps you are looking to purchase business premises, invest in a commercial property, or raise finance connected with your business. Whatever your objectives, I will start by understanding your requirements and circumstances, helping you explore potential solutions that fit your plans.

Commercial mortgage arrangements can vary depending on the property, how it will be used and your financial position. I will explain the key considerations in plain English, including the types of finance available, lender requirements, costs and potential risks. By taking a personal approach and keeping you informed throughout, I aim to make what can be a complex process feel more manageable.

If you need commercial mortgage advice in Enfield, East or North London, I would be happy to talk through your plans. Get in touch for an initial discussion about your requirements and the possible routes forward, with no obligation to proceed.

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Your property may be repossessed if you do not keep up repayments on your mortgage.

Commercial Lending and most Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Frequently Asked Questions: Mortgage, Buy-to-Let and Commercial Mortgage Advice in Enfield, East and North London

1. How early should I speak to a mortgage adviser when planning to buy a home?

It is worth seeking mortgage advice before you start viewing properties seriously. Understanding your potential borrowing amount, deposit requirements and likely monthly repayments can help you set a realistic budget. An adviser can explain the mortgage process, discuss the options available and help you prepare for the next steps with greater confidence.

2. What factors can affect how much I can borrow on a residential mortgage?

Mortgage lenders typically consider your income, regular expenditure, existing debts, credit history and the size of your deposit when assessing affordability. Your employment circumstances and the mortgage term can also influence the amount available. Personal mortgage advice can help you understand these factors and explore options that reflect your financial position.

3. Can I get mortgage advice if I am self-employed in Enfield or North London?

Yes, self-employed applicants can explore residential mortgage options, although lenders may assess their income differently from that of employed applicants. You may need to provide accounts, tax calculations or other evidence of earnings. A mortgage adviser can explain the documentation lenders may require and help you understand which options could be suitable for your circumstances.

4. What deposit do I need to purchase a buy-to-let property?

Buy-to-let mortgages generally require a larger deposit than many standard residential mortgages, although requirements vary between lenders and products. The amount you need will depend on factors such as the property's value, your financial circumstances and the lender's criteria. An adviser can help you explore the available options and understand the upfront costs involved.

5. How do lenders assess rental income when considering a buy-to-let mortgage?

Lenders commonly assess whether the expected rental income will cover the mortgage interest and meet their rental affordability requirements. Their calculations may take account of the interest rate used for assessment, your tax position and whether you are applying as an individual or through a limited company. An adviser can explain the criteria that may apply to your proposed investment.

6. Is a buy-to-let mortgage suitable if I want to expand my property portfolio?

A buy-to-let mortgage may help you finance an additional rental property, but it is important to consider the wider financial implications before expanding your portfolio. You will need to assess rental demand, ongoing maintenance, periods without tenants, mortgage costs and potential changes in interest rates. Mortgage advice can help you understand the financing options and commitments involved.

7. What types of property can be financed with a commercial mortgage?

Commercial mortgages can be used to finance various types of property, including offices, retail units, industrial premises and other buildings used for business or investment purposes. The available options will depend on the property's intended use, your financial circumstances and the lender's criteria. An adviser can help you explore potential funding routes for your plans.

8. Can I obtain a commercial mortgage to buy premises for my own business?

Yes, a commercial mortgage may be an option if you want to purchase premises from which to operate your business. Lenders will typically consider factors such as the property's value, your deposit, business finances and ability to meet repayments. Discussing your requirements with a commercial mortgage adviser can help you understand the potential funding options and associated costs.

9. What costs should I consider when arranging a commercial mortgage?

As well as the deposit and mortgage repayments, you may need to budget for arrangement fees, valuation costs, legal fees and other charges, depending on the lender and transaction. You should also consider property-related expenses, insurance, maintenance and any applicable taxes. Understanding the overall cost of borrowing can help you assess whether the proposed purchase or investment fits your business plans.

10. How do I choose between a residential, buy-to-let and commercial mortgage adviser in North London?

The right advice depends on what you want to finance. Residential mortgage advice is designed for home purchases and other personal borrowing needs, buy-to-let mortgage advice focuses on property intended for rental, and commercial mortgage advice covers finance for business premises and commercial property investments. If you are unsure which category applies to your plans, an initial, no-obligation conversation can help clarify your requirements and identify the next steps.