Not sure on the
right mortgage for you?
Let us help you.
Navigating the world of mortgages can feel overwhelming, but it doesn’t have to be. Whether you're buying your first home, moving to your dream property, or looking for better rates, we simplify the process and guide you to the right choice. Our expert mortgage advisers work closely with you, ensuring you feel confident and informed every step of the way.
Home-movers
Moving home and need a mortgage? We can help find the right mortgage for you. Find out how much you can borrow and get an Agreement in Principle (AIP).
First-time buyers
We'll help you get your foot on the property ladder with a mortgage for your first home. Start your journey to being a homeowner with us.
Commercial Mortgages
Looking to invest in property, for the first time or to build an existing portfolio? We can help you find the right buy-to-let mortgage for you. Find out more…
Buy-to-let
Looking to invest in property, for the first time or to build an existing portfolio? We can help you find the right buy-to-let mortgage for you.
There is no guarantee of continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage. Note: The FCA does not regulate most Buy to Let Mortgages.
Remortgaging
You could save money by remortgaging your home - find out by talking to us. We make the remortgaging process simple for you.
Green Mortgages
Did you know that you can get lower interest rates or cash back on your mortgage the more energy efficient your home is? Well, you can, with green mortgages. Find out more…
Explore your options in an instant with our Mortgage Tools.
Curious about how much you can borrow? Want to calculate your stamp duty or estimate your monthly payments?
Our free mortgage tools offer everything you need to explore your options and take the first step towards finding the right mortgage.
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.
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.
Latest Mortgage News
Important Information:
Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home. Changes in interest rates may affect your monthly repayments. Ensure you understand the terms and risks before proceeding, There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is £695 for a purchase application and £300 for a remortgage.