Whole-of-Market · FCA Authorised (#09718370) · Est. 2016
Angel Thomas has 23+ years in financial services and access to 90+ lenders. 1,425+ cases managed. We tell you what's actually possible - and when you're better off staying put.
Tell us your situation. We'll call you back with honest numbers - no obligation.
-15,493+
Clients Helped
Est. 1,610
London
FCA
Authorised & Regulated
-1,317+
Lenders Searched
FCA Authorised
Firm Reference 09718370
Whole-of-Market
90+ lenders searched
23 Years' Experience
1,425+ cases managed
Independent Broker
Not tied to any lender
Searching 90+ lenders including
Practice Areas
From straightforward high-street purchases to the non-standard cases other brokers turn away. We know which underwriter accepts which story, and we place your case accordingly.
Calculators flatter you. We stress-test your borrowing against the lender's real reverted rate so you don't fall in love with an unaffordable home.
Underwriting parameters we handle
Why In2Equity
We are paid to advise, not to churn. Here is what that means in practice.
Not tied to a single bank or a restricted panel. We search 90+ lenders - high street, building societies and specialist desks - to find the deal that genuinely fits.
If remortgaging costs you more than your current deal, or you're better off on a tracker, we tell you directly. We're paid to advise, not to churn.
We know which building society or specialist underwriter accepts non-standard scenarios - day-1 contractors, low-salary directors, flats above takeaways.
Managing Director & Principal Adviser
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Years Exp.
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Cases
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Lenders
"Too much financial advice is buried under corporate waffle and hidden panels. At In2Equity, we tell clients the plain truth, run the honest numbers, and deliver solutions that stand up to rigorous underwriting."
Angel Thomas founded In2Equity Ltd in 2016 after more than two decades managing complex financial risk, underwriting parameters, and mortgage distribution across London and the South East.
Her deep fluency with high-street lenders, specialist building societies, and non-standard credit desks means In2Equity clients receive direct, practical guidance. If staying on your existing rate or choosing a product transfer is in your best interest, she will recommend it directly - no commissions or unnecessary churn.
First-Time Buyers
Most online affordability tools flatter you. The real number depends on how a lender treats your income, your commitments and the stress test at the reverted rate. We model it properly before you fall in love with a house.
First-Time Buyers - matched with the right underwriter for your case.
Remortgaging
Your fixed rate ends. The default letter offers a new deal. But sometimes a product transfer with your existing lender, or sitting on a tracker, beats a full remortgage. We run both numbers and show you the difference.
Remortgaging - matched with the right underwriter for your case.
Specialist scenarios
Self-employed with low salary and high retained profit. A flat above a chip shop. A missing EWS1 form. A Tier 2 visa with 18 months left. These aren't dead ends - they're just a different underwriter's desk.
Specialist scenarios - matched with the right underwriter for your case.
How it works
No call centres. No scripts. One experienced adviser who stays with your case from start to finish.
Tell us your situation. We listen, ask the right questions, and tell you straight whether a move makes sense or you should stay put.
We run your case against 90+ lenders, including the building societies and specialist desks the high street won't show you.
We handle the paperwork, the AML checks, the solicitor coordination, and the underwriter conversations. You stay informed, not overwhelmed.
Keys in hand. We then arrange the life cover and income protection so the plan is actually finished, not half-built.
Or call Angel directly on 0800 772 0998
Testimonials
Real feedback from individuals, families, and finance managers we've helped secure the right mortgage and protection.
"Received excellent mortgage advice, facilitated the entire mortgage process for me, recommended a reliable solicitor, and efficiently arranged all the necessary insurance. Top-notch service, thank you."
Kwame Mensah
Finance Manager
"Angel is fantastic. She gave me such good advice and managed to get me a great mortgage deal which I thought may not have been possible. She really knows her stuff and made everything easy to understand. Highly recommend."
Marcia Whyte
Homeowner
"In2Equity made getting my Life Insurance and Income Protection a breeze. They explained everything about the process and benefits in a clear and straightforward way. I'm thrilled I chose their services."
Jenny Taylor
First-Time Buyer
"As a self-employed contractor, getting a mortgage seemed daunting. Angel explained contractor criteria in plain terms and got us approved within 10 days at a fantastic rate."
David O'Connor
IT Contractor
"We were facing a huge jump at fixed-rate expiry. In2Equity reviewed our options early, locked in a deal 5 months prior, and saved us £340 a month."
Priya Patel
Property Owner, Croydon
"High street banks turned me away because I had 16 months left on my Skilled Worker visa. Angel knew exactly which specialist lender would accept me."
Marcus Sterling
Senior Software Engineer
Real cases, realistic outcomes
Anonymised examples of the cases other brokers turn away.
A newly-IR35 contractor with no two-year history. We used a day-1 contractor lender assessing contract value, not accounts - secured 95% LTV at a competitive rate.
£412,000 purchase · 95% LTV
Visa time was the issue. We placed with a specialist accepting applicants with 12+ months remaining, 25% deposit, and income assessed in GBP.
£360,000 purchase · 25% deposit
Director taking £12k salary and the rest as retained profit. We found a building society using salary plus dividends plus share of net profit.
£525,000 remortgage · 4.5x income
Blog & Market Intelligence
Market updates and plain-English guides - written by an adviser, not a marketing team.
One email a week with something genuinely useful - a rate movement explained, a protection myth debunked, a property question answered honestly. No promotions. No filler.
Join 1,000+ readers · Unsubscribe any time · FCA regulated
Straight answers
If your question is not here, call us. We would rather give you a proper answer than leave you guessing.
There may be a fee for mortgage advice; the precise amount depends on your circumstances. We are completely transparent about any fee before you commit to anything. In many cases, particularly on product transfers, there is no broker fee at all. We will always tell you the cost, in writing, before proceeding.
No. In2Equity Ltd is an independent, whole-of-market broker. We search 90+ lenders, including high street banks, building societies, and specialist desks. We are paid to advise, not to push one lender's product. If your existing lender's deal is the best option, we tell you to stay put.
In many cases, yes. Historical defaults, satisfied CCJs, Debt Management Plans, and discharged bankruptcies are not automatic dead ends. Specialist manual underwriters assess the back-story and your recent conduct, not just a computer score. The path back to mainstream eligibility is often shorter than people think.
Absolutely. We work with sole traders, CIS contractors, and limited company directors. The key is knowing which lender assesses your income correctly. For directors taking a low salary plus dividends, some building societies use salary plus dividends plus share of net profit, rather than just the low salary figure.
Yes. We place Skilled Worker (Tier 2) visa holders, spouse visa applicants, and those with Indefinite Leave to Remain. You do not need ILR to secure a competitive mortgage. We know which lenders accept applicants with 12+ months remaining on their visa and what deposit criteria apply.
We are based at 190 High Street, London SE20 7QB and cover Greater London and the South East, including Bromley, Croydon, Beckenham, and surrounding areas. However, as a whole-of-market broker we can advise clients across England and Wales.
Speak directly to an adviser who's done this for 23 years. No call centres, no scripts.
Registered Office
190 High Street, London SE20 7QB
Company No. 09718370
No obligation, no jargon. We'll look at your numbers and tell you straight whether moving makes sense or you're better off staying put.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
190 High Street, London SE20 7QB
