Mortgage & commercial finance brokers

Verify the borrowing entity before you submit the application.

Buy-to-let and commercial mortgage applications from limited companies require confirming who actually controls the SPV, what else they're exposed to, and whether the group already carries debt or adverse history, before the application reaches a lender.

What you get

Confirm the SPV's directors and PSCs match what's stated on the application.
See other companies and SPVs those individuals control, exposure the application might not disclose.
Check for charges already registered against the entity.
Screen the wider group for insolvency history before it becomes the lender's problem.

How it goes

1
Search the borrowing entity
The SPV named on the application.
2
Confirm control
Match directors and PSCs against what the applicant declared.
3
Check exposure
See every other company those individuals control.
4
Screen the risk layers
Registered charges and insolvency history across the group.

Case study

A buy-to-let SPV with an undisclosed second charge

The situation

A broker is packaging a buy-to-let remortgage for a limited company client and needs to confirm the property is unencumbered before submitting to a specialist lender.

What they did

Checking the SPV's registered charges directly shows an existing charge from a bridging lender that wasn't mentioned in the application, alongside two other companies the same director controls.

The result

The broker raises it with the client before submission, rather than the lender's own search flagging it after a valuation has already been paid for.

Try it now

Real groups, live from the register.

Grosvenor Estate Holdings opens in full, with no account. The others need a free account to show every name.

Grosvenor Estate Holdings

Seven individual UBOs, a corporate parent, fifteen holdings and a filed shareholder register.

Open the tree

John Bloor

An individual's full control chain: every company they're a PSC of, with sub-holdings.

Open the tree

Persimmon plc

A listed parent: what the PSC regime shows for a plc, and what it doesn't.

Open the tree

Professional layers for mortgage & commercial finance brokers

Beneath the register.

Charges, mortgages & lenders
Registered charges per company with lender, status and dates, plus Gazette charge notices.
Financials & accounts
Latest and historic filed accounts with derived metrics, without opening a PDF.
Insolvency, Gazette & probate
Insolvency cases and Gazette notices touching the companies and people involved. Probate records are coming soon, and available now on Bricksmart.ai.
Property records
Address, title number, tenure and price paid for every property, per company and rolled up across everything one person or group controls, from HM Land Registry.

Plans and pricing

Professional access for mortgage & commercial finance brokers

Every layer on every company and person, property records included, for £99 per user a month. Start with a free account; upgrade from it when you need to.

Create a free account See Professional

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