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Explore your options with
our Mortgage Calculators.

Use our handy tools to get instant insight into to see how much you may be able to borrow, what your monthly repayments could be, and your estimated stamp duty charges.

You can even explore the potential best rates on the market for you!

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Speak to our advisors today.

Whether you’re looking for a mortgage, protection, or expert financial advice, we’re here to help. Contact us today to speak with our friendly team and take the first step towards financial peace of mind.

Let’s get started.

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Mortgage Calculator FAQs

  • A mortgage broker works for you, not the lender. We have access to a wide range of mortgage products from various lenders, including deals that may not be available directly to the public.

    By understanding your unique circumstances, we can recommend tailored solutions and handle the legwork, saving you time, stress, and money.

  • Initial Consultation: We assess your financial situation and discuss your goals.

    Agreement in Principle: We secure an initial agreement with a lender, showing what you could borrow.

    Full Application: We gather necessary documents and submit your mortgage application.

    Valuation and Underwriting: The lender assesses the property and your application details.

    Mortgage Offer: Once approved, you’ll receive a formal mortgage offer, allowing you to proceed with your purchase.

  • The deposit amount depends on the type of mortgage and the lender's criteria. Typically, for residential mortgages, you’ll need at least 5% of the property’s value, though a larger deposit (10% or more) often unlocks better rates.

    For buy-to-let or commercial mortgages, deposit requirements are generally higher, starting around 20–25%.

  • The timeline for getting a mortgage can vary depending on your circumstances and the lender's process. Typically:

    • Agreement in Principle: 1–2 days.

    • Full Application to Offer: 2–4 weeks, but this can vary depending on underwriting and valuation times.

    • Completion: Usually 4–8 weeks after the offer is issued, though this depends on solicitors and other factors.
      Working with a broker can help speed up the process by ensuring your application is accurate and complete from the start. Our brokers are here for you throughout the house purchase and can help in boosting communication between all those involved.

  • Yes! Being self-employed doesn’t prevent you from securing a mortgage, but the process can be a bit more complex. Lenders typically require evidence of your income, such as two to three years of tax returns or accounts.

    We specialise in helping self-employed individuals navigate these requirements and find competitive mortgage options.