Native Financial Services Ltd is an FCA-regulated mortgage broker based in Hillingdon, UB3 3DY, specialising in Buy-to-Let, First Time Buyers, Ltd Co and 2 other areas. Rated 5/5 from 156 reviews.
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Meet our experienced team of mortgage professionals
Uday Singh
3 Feb 2026It’s very great to have with native finance. Very very caring environment all questions solved in very friendly manner , I wish him all the best for foreseeable future, By the way I am very satisfied customer since 2017 . You will be solved and you will be happy Because you are with Native financial Ltd . Right place in Right time .
Kanwar Singh
27 Jan 2026My overall experience with Native Financial services Ltd was excellent.Mr Ravinder Harika and his team are very professional and knowledgeable.They made my mortgage process very smooth and quick.I will use their service again in future and recommend them to all my friends.Thanks again to Mr Ravinder and his team.
Ankit
1 Sept 2025I had an excellent experience working with Ravinder Harika. The process was smooth from start to finish, and he was always professional, knowledgeable, and responsive to my questions. He explained everything clearly, made sure I understood my options, and helped me secure a great rate. I would recommend them to anyone looking for a mortgage!
Victoria Sanderson
13 Jul 2025Brilliant, professional and efficient. Really helpful and easy to deal with, getting things done quickly whilst not rushing through the process — they took the time to explain everything clearly along with regular updates and found us the best lender and rate for our needs. Would definitely recommend Native Financial Services!
sydney lobo
15 May 2025I had an excellent experience with Native Financial! From start to finish, their team provided outstanding service and support throughout the entire process. They were incredibly helpful, responsive, and made everything smooth and stress-free. I truly appreciate their professionalism and dedication. Highly recommend them to anyone looking for reliable and top-notch service!
No memberships listed.
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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