Unique Property Finance is an FCA-regulated mortgage broker based in Barnet, N20 0LD, specialising in Bridging, Buy-to-Let, Commercial and 5 other areas. Rated 5/5 from 81 reviews.
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Meet our experienced team of mortgage professionals
Aidan Nesbitt
20 Nov 2025Sunny and his team have been brilliant to work with. Sunny goes one step further than any other broker I've worked with - beyond financial motives, he truly acts in your best interest. Knowledgeable, communicates well and has the right connections. Everything you need in a high-value broker.
Health Fitness
6 Jun 2025I had a positive experience with Sunny at Unique Finance., who was responsive and attentive throughout the mortgage process. Sunny and his team successfully explained the various options available to me to secure a mortgage for a HMO property and tailored recommendations to fit my financial situation. Their professionalism and market knowledge instilled confidence, and the application process was efficient, with quick turnaround times. I would recommend Sunny for anyone looking for a knowledgeable mortgage broker who guarantees best results.
Aris Savva
7 May 2025I've worked with Nicolas at UPF on both a complex residential mortgage and several buy-to-let investment purchases, and I honestly can't recommend him highly enough. From start to finish, his knowledge, professionalism, and attention to detail have been second to none. Navigating the residential mortgage process was particularly tricky, but Nicolas made it seamless—breaking everything down clearly and securing an excellent deal despite the challenges. When it came to BTL investments, his strategic advice and deep market understanding helped me make smart, informed decisions with confidence. What really sets Nicolas apart is his proactive communication, honest advice, and genuine commitment to getting the best outcome for his clients. He's now my go-to for anything property-finance related, and I've already recommended him to friends and family.
Philip Flynn
7 Apr 2025We recently completed on a remortgage for a HMO property. Sunny has great knowledge of the lenders and valuers operating in that market and this ensured we achieved a great valuation and mortgage offer. The office team is efficient, friendly and provides great support. We've used Unique three times now and will do so again.
Omer Cetin
12 Apr 2024Without doubt, the BEST broker you can find! I got to know about unique property finance through a friend of mine and needed a mortgage sorted asap. I met Sunny and he not only arranged the mortgage to me much quicker than I anticipated but also at a much lower interest rate that all the other brokers that I had got in contact with previously. I felt very comfortable asking questions and using their expertise throughout the process. This was the first time I did business with unique property finance but certainly not the last. Without hesitation would recommend to everyone wanting to grow their property portfolio
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Regulatory Status
Direct Authorisation
FCA Number
810714Practical guides and explainers from our blog — relevant to this mortgage type.
A complete guide to bridging loans in the UK — how they work, typical costs and rates, when they make sense, and how to choose between regulated and unregulated bridging.
Understand the difference between regulated and unregulated bridging loans, when each applies, FCA protections, and which type you need for your property transaction.
Compare the best bridging loan rates in the UK for 2026. See which lenders offer the lowest monthly rates, arrangement fees, and most flexible terms for your project.
Bridging finance is essential for property investors. Learn about types, costs, and application process in our complete guide.
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