Mortgage Advice
From first time buyers to complex self employed cases, our expert advisers find the right deal for you from the whole of the market.
Getting on the ladder
Buying your first home is one of life's biggest milestones, and it can feel overwhelming. Our advisers specialise in guiding first time buyers through the entire process, from understanding how much you can borrow to the moment you receive the keys.
We search the whole of the market to find you the best available rates, and we handle the complex paperwork so you can focus on finding your dream home.
Save money today
If your current mortgage deal is coming to an end, or has already reverted to your lender's Standard Variable Rate, you could be paying significantly more than you need to. Remortgaging is one of the most effective ways to reduce your monthly outgoings.
Our advisers review your existing mortgage, search the market for better rates, and manage the switch from start to finish. Many remortgages complete with no upfront fees.
Our advisers will talk through your circumstances and find the right option for you, no obligation, no jargon.
Book your free call todayProperty investment
Whether you're a seasoned landlord expanding your portfolio or an investor considering your first rental property, our specialists understand the intricacies of buy-to-let finance. The rules governing BTL mortgages differ significantly from residential lending, and getting the right advice matters.
We work with specialist BTL lenders across the market, including those with lower minimum income requirements, HMO options, and portfolio landlord products.
Working for yourself
Being self employed doesn't mean you can't get a great mortgage, it just means you need an adviser who understands how lenders assess self employed income. Many high street banks apply rigid criteria, but specialist lenders take a more nuanced approach.
We regularly secure mortgages for sole traders, limited company directors, and those with variable income or complex accounts. We'll identify which lenders will give you the best deal based on your specific financial picture.
Day rate income
Contractors often face unnecessary barriers with mainstream lenders who don't understand how day-rate or contract income works. We know which lenders will use your daily or hourly rate, not just your payslip, to calculate maximum borrowing.
Whether you operate through a limited company, an umbrella company, or on a fixed term contract, we can find lenders who assess your true earning power.
Understanding your options
Choosing the right rate type is one of the most important decisions in your mortgage journey. Here's a straightforward overview of the three main options:
Your interest rate stays the same for a set period (typically 2, 3 or 5 years). Your monthly payments are predictable and won't change even if the base rate moves. Ideal if you value certainty.
Tracks the Bank of England base rate at a set margin above it. Your payments go up or down as the base rate changes. Can be cheaper than fixed deals when rates fall.
Set entirely by your lender, not linked to any external rate. Usually what you revert to when a fixed or tracker deal ends. Often one of the more expensive options available.
Our advisers will help you weigh up the pros and cons based on your circumstances and the current market conditions.
Get personalised rate adviceHow you repay
Your repayment method determines how the mortgage balance reduces over time, or whether it reduces at all. Most residential borrowers use a repayment mortgage, while interest-only is more common in buy-to-let. Part and part offers a flexible middle ground.
Each monthly payment covers both interest and a portion of the capital. By the end of the mortgage term, the loan is fully repaid and you own the property outright. The safest and most common option.
Your monthly payments only cover the interest, the capital balance remains the same. At the end of the term, you need a strategy (e.g. investments, property sale) to repay the outstanding loan.
A part and part mortgage splits your borrowing between a repayment and an interest-only basis. You repay a portion of the capital each month while paying interest only on the remainder. This gives you lower monthly payments than a full repayment mortgage, while still reducing your overall debt over time.
For buy-to-let investors, interest-only is popular as it maximises rental yield during the investment period. We'll help you understand which approach best fits your goals.
Discuss repayment options with an adviserYou may have to pay an early repayment charge to your existing lender if you remortgage.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
Your property may be repossessed if you do not keep up repayments on your mortgage.