Mortgages
Help finding the right mortgage and presenting your application to the most suitable lender, whether you are buying, moving or remortgaging.
There is a lot to think about when you take out a mortgage. It is usually the biggest financial commitment you will take on, so getting advice really helps. There are many types available, from standard repayment mortgages to deals with cashback, free valuations or a cap on the interest rate, and the choice can be bewildering without professional help.
Since the financial crisis, lenders have to look carefully at your financial position and ask searching questions, to satisfy themselves that you can comfortably afford the repayments now and in the future.
Lenders all follow the same rules but interpret them differently. We know how the major lenders operate and can help you present your application to the most suitable one, saving you time and stress.
Who it’s for
- You are a first-time buyer and want guidance through the process.
- Your current deal is ending and you want to remortgage.
- You are moving home and need to arrange new borrowing.
- You are buying a buy-to-let or commercial property.
Practical support with your mortgages.
We work out how much you can borrow
Lenders no longer simply use a multiple of your salary. We help assess your income, outgoings and circumstances so you have a realistic figure to work with.
We approach the right lender
Lenders interpret the rules differently. We know how the major ones operate and help present your application in the best light, to the lender most likely to say yes.
We make the most of your deposit
The more you can put down, the better the deal you are likely to be offered. We help you understand what your deposit means for your options.
We match the mortgage to you
We regularly consider fixed rate, capped, tracker, offset, low-start, variable, buy-to-let and commercial mortgages, and find the type that fits your circumstances.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Most forms of buy-to-let mortgage are not regulated by the Financial Conduct Authority. You may have to pay an early repayment charge to your existing lender if you remortgage.
Questions, answered plainly.
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Let's start with a conversation.
Your first meeting is free and without obligation. We'll listen, answer your questions, and tell you honestly whether and how we can help.