Elccara Limited is an FCA-regulated mortgage broker based in Brent, HA0 4LY, specialising in Buy-to-Let, Commercial, First Time Buyers and 1 other areas. Rated 5/5 from 27 reviews.
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Meet our experienced team of mortgage professionals
Nazita Talebizadeh
9 Sept 2025We’re incredibly grateful to our mortgage adviser for securing us a great mortgage deal. Their professionalism, clear communication and dedication made the entire process smooth and stress-free. We truly appreciate their guidance and support every step of the way. Highly recommended!
ajinkya wagh
7 Sept 2025I had an excellent experience with Elccara Limited. From start to finish, their team was professional, knowledgeable, and incredibly supportive throughout the mortgage process. They took the time to clearly explain all of my options, answered every question patiently, and made what could have been a stressful process feel smooth and straightforward. What impressed me most was their personal approach — they really listened to my needs and found the best solution tailored to my situation. Communication was always prompt, transparent, and friendly, which gave me great peace of mind. I would highly recommend Elccara Limited to anyone looking for a reliable and trustworthy mortgage broker. Their service goes above and beyond, and I’m very grateful for all their help.
Murid Shafaq
6 Sept 2025Outstanding service throughout the process of purchasing our first home! Kirit was extremely helpful, able to answer all questions we had about the process and really responsive, especially early on when viewing properties and getting our mortgage application done - could not be happier with our experience with them. Would absolutely recommend their mortgage services to anyone!
Angel
16 Aug 2025⭐⭐⭐⭐⭐ I had an excellent experience working with Elccara limted on my mortgage. From start to finish, the process was smooth, transparent, and surprisingly stress-free. Mr. Kirit took the time to explain every step in plain language, answered all my questions promptly, and made sure I felt confident in my decisions. The rates he offered were competitive, but what truly stood out was the level of personal care and communication. Every deadline was met, documents were handled efficiently, and I always knew exactly where we were in the process. I would happily recommend Elccara to anyone looking for a mortgage. They turned what I expected to be a stressful process into a straightforward and even pleasant experience.
gulbahar begam
26 May 2025I recently applied for my home mortgage.From the first interaction, their team was incredibly professional, knowledgeable, and responsive. The mortgage process made everything seamless. They took the time to explain each step, answered all my questions promptly, and ensured I understood my options. Their expertise helped me secure a fantastic. I would highly recommend anyone looking for a mortgage. Thank you for making my home-buying experience so positive!
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Regulatory Status
Direct Authorisation
Practical guides and explainers from our blog — relevant to this mortgage type.
The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.
UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.
Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.
Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
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Mortgage118 is an independent broker directory — not a mortgage broker or lender — and does not provide mortgage advice. All brokers listed hold their own individual FCA authorisation; always verify a broker's status on the FCA Register. Important: Your home may be repossessed if you do not keep up repayments on your mortgage, and you should think carefully before securing other debts against your home. Mortgage118 does not charge consumers. If you have a complaint about a mortgage broker, contact the Financial Ombudsman Service. Mortgage brokers are not covered by the Financial Services Compensation Scheme (FSCS) for mortgage advice — check with your broker directly about their professional indemnity insurance. Mattison Elm Ltd trading as Mortgage118 — Company No. 09831228 — Registered at 7 Bell Yard, London WC2A 2JR.
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