{"id":641,"date":"2026-04-24T21:20:32","date_gmt":"2026-04-24T21:20:32","guid":{"rendered":"https:\/\/iovufinancialservices.co.uk\/?page_id=641"},"modified":"2026-06-09T12:06:26","modified_gmt":"2026-06-09T12:06:26","slug":"acasa","status":"publish","type":"page","link":"https:\/\/iovufinancialservices.co.uk\/en\/","title":{"rendered":"Home"},"content":{"rendered":"
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Our Services<\/h5>

Expert advice and fast approvals, tailored to the 2026 market.<\/span><\/h3>

At Iovu Mortgage Services, we connect your ambitions with the best rates in London, Manchester, Birmingham, and other major urban centers. We offer complete solutions \u2014 from CIS mortgages and First-Time Buyer schemes to Buy-to-Let investments. We handle everything digitally, transparently, and without stress, ensuring your path to homeownership in record time.<\/h2><\/div><\/div>\n <\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Mortgage for First Home<\/a><\/h4>\n
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Buying your first home in cities such as London or Bristol can be overwhelming in 2026. We help you understand how much you can borrow, what deposit is required, and which government schemes are active. We provide access to preferential interest rates for young first-time buyers.<\/p> <\/div>\n <\/span>Read More<\/span><\/a> <\/div>\n <\/div>\n

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Life and Critical Illness Insurance for you and your children<\/a><\/h4>\n
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Protect your family and home. In case of a serious illness or unexpected event, life insurance ensures your mortgage is covered. We have access to the entire insurance market to find the policy that gives you peace of mind at the best price in 2026.<\/p> <\/div>\n <\/span>Read More<\/span><\/a> <\/div>\n <\/div>\n

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Remortgage<\/a><\/h4>\n
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Don\u2019t let your payment rise after the fixed rate period ends. We analyse the market in Leeds, Liverpool and Sheffield to find a refinancing product that will lower your monthly payment or allow you to release equity for renovations.<\/p> <\/div>\n <\/span>Read More<\/span><\/a> <\/div>\n <\/div>\n

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Mortgage for construction workers<\/a><\/h4>\n
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Are you paid through the CIS scheme in Manchester or Birmingham? Many banks will refuse you, but we don\u2019t. We calculate the mortgage based on your gross income, not just net profit, if you have a history of at least 3\u201312 months. Specialists in loans for subcontractors.<\/p> <\/div>\n <\/span>Read More<\/span><\/a> <\/div>\n <\/div>\n

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Mortgage for property investment<\/a><\/h4>\n
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Do you want to invest in hubs in Nottingham or Newcastle? Buy-to-Let mortgages require a strategy based on rental yield. We help you build your property portfolio with financing optimized for maximum returns.<\/p> <\/div>\n <\/span>Read More<\/span><\/a> <\/div>\n <\/div>\n

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About Us<\/h5>

Your trusted partners in the UK<\/span><\/h3>

At Iovu Mortgage Services, we are more than brokers; we are your partners in navigating the financial market in 2026. With a strong presence in London, Manchester, Birmingham and the other seven major urban hubs in the UK, our team brings many years of combined experience in the British banking sector.<\/p>\n

We specialize in solutions that go beyond standard commercial bank offers. Whether you are a CIS scheme worker in Leeds or a Buy-to-Let investor in Glasgow, we have access to over 100 lenders to secure the most competitive rates for you. We believe in complete transparency, digitalized processes, and a personalized approach that puts your needs above rigid banking algorithms. Our mission? To turn your property dream into reality, wherever you are in the UK.<\/p><\/div><\/div>\n <\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Adrian Iovu<\/h4>\n

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Process<\/h5>

Steps to Obtain a Mortgage<\/span><\/h3>

When you want to apply for a mortgage, it is very important to prepare 3\u20136 months in advance: the deposit, bank statements, ensure all documents are up to date and error-free, and make sure your credit score is current.<\/p><\/div><\/div>\n <\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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01<\/span>Initial Consultation and Assessment<\/span><\/h4>

Schedule an initial meeting with a mortgage broker to discuss your financial situation, eligibility, and home-buying goals.<\/p><\/div><\/div>\n <\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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02<\/span>Recommendation and Application<\/span><\/h4>

The broker will recommend suitable mortgage products, help you gather the necessary documents, prepare your file, and submit the mortgage application.<\/p><\/div><\/div>\n <\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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03<\/span>Approval and Insurance<\/span><\/h4>

After submitting the application, the lender will assess your financial situation and evaluate the property before issuing a mortgage offer. Once the offer is approved, the broker will arrange life and home insurance.<\/p><\/div><\/div>\n <\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Approved Loans<\/div>\t\t\t
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Contact me now to start preparing for a mortgage and begin the search for your ideal home.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Our goal is to help people find the best mortgage for their home, investment property, or even to remortgage their current home<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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First-Time Home Buyer Guide<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Mortgage through the CIS scheme<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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We collaborate with top lenders and many other companies<\/span><\/h3><\/div>\n <\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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FAQ<\/h5>

Frequently Asked Questions<\/span><\/h3><\/div>\n <\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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How do I start the process with Iovu Mortgage Services?<\/span><\/h4>

The first step is simple: call 073 7575 2777 or fill out the contact form on the website to schedule a free phone consultation. We will discuss your situation, explain your options, and together determine the best course of action. There is no obligation and no cost for this initial conversation.<\/p>\n<\/div>

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How long does the mortgage process take?<\/span><\/h4>

From the initial consultation to completion, the process usually takes 2\u20134 months. We typically obtain the Agreement in Principle within 24\u201348 hours. Formal mortgage approval takes 2\u20134 weeks after submitting the application. The remaining time depends on the legal process (conveyancing). With documents prepared in advance, everything moves significantly faster.<\/p>\n<\/div>

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Can I apply for a mortgage if I am a Romanian or EU citizen in the UK?<\/span><\/h4>

Yes. Romanian and EU citizens can apply for a mortgage in the UK. The main requirement is to have documented residency (Settled Status or Pre-Settled Status) and verifiable income in the UK. Adrian Iovu fully understands the situation of the Romanian community in the UK and provides consultation in Romanian, guiding you through every step of the process.<\/p>\n<\/div>

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Do you also provide insurance, not just mortgages?<\/span><\/h4>

Yes. In addition to mortgage services, we also offer comprehensive protection insurance consultancy: Life Insurance, Critical Illness Cover, and Income Protection. We believe that protecting your family and your property investment is just as important as getting the best mortgage rate. We work with the entire insurance market to find the optimal coverage at the best price.<\/p>\n<\/div>

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What documents do I need to apply for a mortgage?<\/span><\/h4>

The standard documents required are: a valid ID (passport), proof of address from the last 3 months, the last 3 months\u2019 payslips or proof of CIS income, the last 3\u20136 months\u2019 bank statements, the P60 from the last tax year, and proof of deposit with the source of funds. If you are self-employed, you will also need the last 2\u20133 SA302 self-assessment tax returns. We will tell you exactly what you need during our first conversation.<\/p>\n<\/div>

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When is the right time to do a remortgage?<\/span><\/h4>

The optimal time to start the remortgage process is 3\u20136 months before your fixed-rate period ends. If you wait until it expires, you automatically move onto the bank\u2019s SVR (Standard Variable Rate), which is usually 1\u20133% higher than a new fixed rate. By contacting us in advance, we can secure a favorable offer without any pressure.<\/p>\n<\/div>

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What is an Agreement in Principle (AIP) and why do I need it?<\/span><\/h4>

An Agreement in Principle is a written confirmation from a lender that you are eligible for a mortgage of a certain amount based on an initial assessment. It is not a final offer, but it demonstrates your seriousness to estate agents and sellers and speeds up the process once you find your desired property. We obtain it for you quickly, usually on the same day.<\/p>\n<\/div>

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Can I get a mortgage if I work through the CIS scheme in construction?<\/span><\/h4>

Yes, absolutely. Many specialized lenders calculate your income based on your gross CIS earnings from the last 3\u201312 months, without requiring 2\u20133 years of self-employment accounts. If you are paid through the Construction Industry Scheme and have a regular payment history, we can help you obtain a competitive mortgage, whether you are a bricklayer, carpenter, electrician, or any other tradesperson in the industry.<\/p>\n<\/div>

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Blog<\/h5>

Latest Articles<\/span><\/h3><\/div>\n <\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n \n CIS Mortgage \u2013 what is it and who is it for? <\/a>\n <\/h4>\n
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