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Why You Need An Experienced Mortgage Advisor

Navigating the complex world of property finance can be daunting, with hurdles like high interest rates, stringent lending criteria, and the process’s overall intricacy.

Reetika Gupta Chaudhary, in partnership with Wellbeing Investments, eliminates those challenges for you, ensuring a seamless and successful transaction that caters to your specific circumstances.

With her expert guidance, you can navigate the mortgage process with ease, focusing on the excitement of securing your dream home or next rental property without confusion or stress.

Why Choose

…Reetika Gupta-Chaudhary as Your Mortgage Adviser

12+ Years Experience

A seasoned expert with 12 years in commercial mortgages, Reetika excels at resolving complex cases.

Advantageous Mortgage Rates

Her network of 170+ reputable lenders, uniquely positions her to procure more advantageous mortgage rates than those typically available through other brokers.

Additional Knowledge

Reetika’s growth through prominent property masterminds and personal development programmes with the likes of Simon Zutschi and Tony Robbins equips her with unique insights.

Personal Experience

As a property developer and homeowner, she comprehends each deal’s unique challenges, ensuring optimal lending solutions for her clients.

How it works

From Enquiry to Completion

Calculate Your Mortgage

How much can I borrow?

Our specialised calculator can give you a rough estimate of the amount of money that you – or you and a partner can borrow. Make sure you explore your options thoroughly – the mortgage type you choose can change these numbers dramatically, and making the right decision will be crucial.

Your Income:   Partner Income:
Up to: £75,000 *
* This is guide only and all potential borrowing is subject to affordability checks and your credit status.
Want to find out more?
Call +44 771 208 9092 or email us


What others are saying

Mrs Talita Vaz Pitondo

I worked with Reetka and she helped me with my first time mortgage and although there were several challenges in my case, Reetika helped me every step of the way and achieved maximum affordability. I really appreciate your help and proactiveness during the process. She was always very attentive and quick in responses, I recommend her work.

Andreia Araujo Do Nascimento

Although I had a limited company which I just incorporate last year, and the nature of my business was very complicated, Reetika took time to understand and guide me through presenting my case to the lenders. She gave me hope and motivation to carry on even when I was losing patience with my mortgage process.

Mrs Kissila Rathje Chamon


My family and I are grateful for your help and are happy to have you as our consultant.

She always showed professionalism and dedication in all our conversations. Always directing and helping us to make the best decisions regarding our mortgage.

Thank you for your willingness to help us throughout the process. I will refer you to people who need mortgage services. Thanks for all the help!

Mrs Mariluze Silverio Santos Fiorotto


We’re glad to have you as a mortgage adviser 🙏

From the beginning you showed exemplary professionalism in handling out loan. Always straight forward and very helpful in explaining the process from start.

Thanks for all your help with everything. I will be sure to pass your name to anyone I know who needs mortgage services.” “It has been great working with you and we appreciate your level of service and professionalism. We will certainly recommend you to friends/colleagues in need of a mortgage broker.”

Reetika Gupta-Chaudhary

From property investor to mortgage advisor

Reetika Gupta-Chaudhary began her property development journey in 2012, focusing on West London. As a first-time buyer-investor, she experienced the difficulty of securing finance for a complex property conversion. She went from broker to broker but faced disappointment. Luckily enough she managed to secure private finance to purchase her first deal. Experiencing this frustration led her to obtain her Cemap qualification and become a mortgage broker.

Her personal journey into property investment has furnished Reetika with a deep understanding of the trials investors face, setting her apart from other financial consultants. Additionally, her personal development journey, featuring influential figures like Tony Robbins, has equipped her as a trained coach, enhancing her ability to empathize with her clients’ struggles.

Reetika’s passion for finding optimal solutions for her clients has culminated in a remarkable 100% success rate in securing the best solutions for her commercial lending clients. As a property investor herself, she harnesses her experience and expertise to make the property finance journey seamless for her clients.

Reetika helps you secure financing for the following services

Reetika Gupta Chaudhary specialises in providing expert mortgage advice tailored to meet the unique needs of first-time landlords, developers, business owners, and private individuals.

If you’re planning to secure financing for any of the following services, you’re invited to reach out to Reetika today. You will be presented with the most competitive, up-to-date quote that aligns with your financial objectives.

12+ Years Of Experience

Specialist Mortgage

Below you will find various options depending on your individual situation and needs.

Bridge Finance / Auction Finance

Should you seek long-term finance but encounter difficulties securing it – for instance, if the property is not currently mortgageable – commercial bridge loan financing could provide a valuable solution. This approach is particularly beneficial when you need short-term funds to 'bridge the gap' while securing more enduring finance. Commercial bridging can assist in acquiring a property at auction, obtaining a property development loan, or mitigating disruptions in a sales chain. For a bridging finance solution tailored to your specific needs, don't hesitate to reach out.

Development funding up to 100% / Development exits

In the wake of the pandemic and Brexit, the property market has grappled with new legislation, creating an atmosphere of uncertainty and apprehension. Nevertheless, leveraging her extensive experience, Reetika Gupta Chaudhary has consistently secured the finest deals in property development finance for her clients. This expertise has empowered numerous developers to obtain 100% development exit loans, facilitating the reinvestment into their next projects.

Commercial Finance

If you are considering an investment in non-residential properties such as shops, restaurants, offices, apartment buildings, or industrial units, or exploring mixed-use commercial properties that include residential spaces, a variety of commercial finance options are available. The most suitable option will differ based on the specific requirements of each business or individual.

Green Mortgages

These types of mortgages have grown increasingly common and are more readily accepted by lenders. All you need to determine is which lender to approach, based on the specific area and property in question. Given the upcoming changes to the Energy Performance Certificate (EPC) in 2025 and 2028, lenders have begun offering attractive incentives for 'Green' mortgage products to property investors. Whether you are purchasing or remortgaging a property with an EPC rating of A – C, you may be eligible for a more competitive interest rate, a cashback offer, or more favourable terms. Additionally, lenders are offering Green Mortgages for non-traditional, net-zero carbon constructions.

Holiday Lets

In the post-pandemic world, the holiday industry has begun to thrive again, attracting many investors to the Serviced Accommodations and Holiday Homes sector. If you are planning to purchase a new property or convert an existing one into a holiday rental, a specialist holiday let mortgage will be necessary. Please get in touch with Reetika to determine if your property qualifies for this type of mortgage.

Second Charge Mortgages

If you already have a loan on your property but would like another lender to offer a further loan on the same property, then this falls under second charge mortgages. The second lender takes second priority to the first lender. This means if the property ever needs to be sold, the first lender will have first call on equity in the property.

Buy to Let Mortgages

Along with providing options for single let properties, Wellbeing Investments also provide specialist Buy to Let Lending as mentioned below:

Limited Company Mortgages

Since the government began reducing tax relief for individual property investors in 2017, many landlords have started purchasing their Buy-To-Let (BTL) properties under a Limited Company. By doing this, they can claim 100% mortgage interest relief and benefit from the lower rates of Corporation Tax on profits, compared to the Income Tax paid on earnings generated from rental income.

Portfolio Finance

You will qualify for portfolio finance if you have four or more mortgaged Buy-to-Let properties. Different lenders have varied appetites for lending, depending on the size of your portfolio or the areas in which you invest. This is why it's essential to get in touch with your broker to secure the best deal that suits your unique circumstances.

HMO and multi-let properties

As an investor who invests in HMOs herself, Reetika is a specialist in HMO finance sourcing. A HMO, or a House in Multiple Occupation, is a property that is let on a room-by-room basis instead of the whole property being let under one Assured Shorthold Tenancy (AST). HMOs offer the potential for higher yields and increased monthly profits compared to traditional Buy-To-Let (BTL) properties. However, HMO lending is a specialist market, and it's important to understand the rules and regulations that lenders may impose before applying for your mortgage.

Adverse Credit Buy to Let Mortgages

Do you have an impaired credit rating? Has anyone ever told you that no lender will be willing to lend to you due to your credit rating? Rest assured, Reetika has succeeded in securing specialist lending for people with credit issues. While mainstream lenders might be skeptical and risk-averse to lending to individuals with these types of credit profiles, there are still options available through specialist adverse or "bad credit" mortgages, and Reetika may have the solution for your lending needs.

Don't let an adverse credit rating stop you from pursuing your dream of buying your next Buy-To-Let investment, whether as an individual or under a limited company.

Let to Buy / Consumer Let

This scenario occurs when you decide to move into a new house without selling your existing property. In this case, you wish to rent out your current house and move to a new one. Under such circumstances, you should contact your current lender to convert your existing residential mortgage into a let-to-buy mortgage. Concurrently, you should secure a new residential mortgage for the house you are moving into. Both these actions take place simultaneously.

Expat Buy to Let Mortgages UK

If you belong to one of the two categories below, you will need to apply for a specialist Expat mortgage:

  1. If you are a UK citizen living or working abroad, securing the right finance to invest in a buy-to-let property at home can be challenging.
  2. If you are a non-UK resident residing in the UK.

The challenges with most lenders involve obtaining information such as income sustainability and credit history. Fluctuating exchange rates further complicate the process.

Most high-street lenders hesitate to offer buy-to-let mortgages for British expats. However, our established relationships with over 170 specialist lenders provide us access to thousands of mortgage products. Enquire now for a quick Decision in Principle (DIP).


Residential Mortgages

Below you will find various options on residential mortgages fitting individual situations and needs.

First Time Buyer - LTV 100%

With Skipton Building Society offering 100% finance to first-time buyers, we can expect an increasing number of lenders to offer better rates and increased lending to encourage you to climb onto the property ladder. However, it's crucial to note that these mortgage products come with numerous conditions from the lender. Therefore, it is essential to discuss your situation with a specialist mortgage broker to determine your eligibility for these products.

Re-Mortgage Home Improvements

You may need to consider remortgaging under one of the following circumstances:

  1. Your current mortgage deal is about to expire or your fixed rate has ended.
  2. You wish to borrow additional funds against your house, perhaps for home improvements or debt consolidation.

You can choose to refinance your existing borrowing either with your current lender or switch to a new one. Generally, new lenders may offer more competitive rates. For more information, please feel free to get in touch.

Bad Credit Profiles

Like their commercial counterparts, residential lenders may also be open to lending to individuals with credit issues. If you're considering purchasing your first home or upgrading to a larger one, don't hesitate to reach out. Our free initial consultation can provide insight into your credit situation and offer an understanding of how lenders might perceive you.

Get in Touch

Don't let the mortgage process hold you back from buying your next property

Schedule a free consultation with me and start your journey towards a tailored property finance solution.