GEMA MORTGAGE SOLUTIONS

Tailored advice and trusted expertise

Smart, strategic mortgage advice built around your financial goals, challenges, and future plans.

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WHAT SETS US APART

At GEMA Mortgage Solutions, we deliver more than just mortgage advice

We provide tailored, strategic solutions designed around your individual circumstances, taking the time to understand your goals, challenges, and financial position so you receive the right guidance, whether your needs are simple, unique, or more complex.

With clear advice and personalised support at every stage, we aim to simplify the process and help you move forward with confidence, ensuring you always feel informed, supported, and in control.

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WHO WE HELP

Serving clients nationwide, we offer flexible phone and video consultations around your schedule

  • First‑time buyers

    We guide first-time buyers through every step, aiming to make the mortgage process simple and stress-free.

  • Home movers

    We aim to help secure the right mortgage as quickly as possible, ensuring your next move feels seamless.

  • Self‑employed professionals

    We specialise in finding flexible, tailored mortgage solutions for self‑employed clients.

  • Buy‑to‑let investors

    We aim to support buy-to-let investors with clear, strategic advice to help grow their property portfolios confidently.

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ABOUT YOUR ADVISOR

With over 20 years of experience, Martin Byrom, Principal Broker and Owner, provides expert mortgage and finance advice across a wide range of areas.

    • Self Employed Finance

    • First time buyers

    • Home movers

    • Re-mortgages

    • Stipend Mortgages

    • Contractors/business owners

    • Buy to let (including holiday let)

    • Structuring of buy to let/ Ltd company portfolios

    • Staff Mortgage Schemes

    • Financing for HNW individuals/those with complex income structure-

    • Professional Mortgages

    • Personal and Business Protection

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OUR MORTGAGE SERVICES

We offer reliable, expert mortgage guidance for every type of buyer

  • A modern brick house with a pitched roof, front door with small porch, and two upper windows, in a neighborhood with similar homes, a young tree in front, and a parked car to the right.

    First‑Time Buyer Mortgages

    Expert guidance to help you understand your options and secure your first home with confidence.

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  • Black and white photo of residential houses on a quiet street, with a sidewalk in the foreground and multiple chimneys on the rooftops.

    Residential Purchases

    Tailored mortgage solutions for home movers and buyers across Glasgow, Scotland, and the UK.

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  • Black and white photo of Victorian-style buildings with ornate windows, small balconies, and a street lamp in front.

    Remortgage Advice

    Secure a competitive new deal and review your options before your current rate expires.

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  • Black and white photo of a row of old white residential buildings with multiple windows and chimneys, against a clear sky.

    Buy‑to‑Let Mortgages

    Specialist support for landlords, from first‑time investors to growing property portfolios.

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  • Black and white photo of modern brick residential buildings with front doors, small front gardens, and a parking area in the foreground.

    Self‑Employed & Contractor Mortgages

    Expert advice for complex income structures, including freelancers, directors, and contractors.

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  • Row of three-story brick townhouses with front doors and windows, parked cars along the street, cloudy sky, black and white photograph.

    Stipend Mortgages

    Specialist mortgage advice for applicants funded by PhD stipends, research grants, medical training schemes, and other non‑traditional income sources.

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  • Joint Borrower Sole Proprietor

    Guidance on increasing your borrowing power while retaining sole ownership of your home.

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WHOLE OF MARKET EXPERTISE

Our experienced advisers will guide you through every stage of the process, ensuring a smooth and stress-free experience

As a whole-of-market mortgage broker, we have access to an extensive panel of UK lenders, enabling us to source competitive mortgage rates and bespoke products tailored specifically to your needs.

We combine technical expertise with a client-first approach to help you achieve your property and financial goals with confidence.

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HERE WHEN YOU NEED US

Flexible Advice to Suit Your Schedule

We understand that your time is valuable. That's why we offer flexible appointments outside of standard working hours, ensuring you can access advice when it suits you.

  • Book appointments outside standard hours so you can get advice at a time that suits you.

  • Speak with an adviser by phone or secure video for convenient, confidential guidance.

  • Access expert, whole‑of‑market mortgage advice from anywhere in the UK, entirely online.

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