Mortgages

Residential

If you’re in the market for a home to live in, you’ll need a residential mortgage. With a multitude of lenders offering numerous products, each with its own criteria and affordability considerations, the process can feel daunting. Drawing on our expertise, we’re equipped to navigate this complexity and identify the ideal option tailored to your needs, providing personalised recommendations.

Buy-To-Let

If you’re embarking on property investment to become a landlord and rent out to tenants, you’ll need a Buy-To-Let mortgage. These mortgages come with distinct criteria, primarily assessing affordability based on rental income, and each lender has its unique underwriting standards. With our comprehensive whole-of-market advisory service, we’re well-positioned to guide you towards the most suitable lender and scheme tailored to your specific requirements.

First Time Buyers

We’re passionate about assisting First Time Buyers! Purchasing your first home marks a significant milestone, and we’re honored to be part of your journey towards it. First Time Buyers often enjoy advantages such as smaller deposits and exemption from stamp duty. Throughout the entire process, we’ll stand by you, ensuring you understand each step in clear terms while we identify the most suitable product and scheme tailored to your needs.

Remortgages

Remortgaging involves transferring your mortgage to a new lender, typically as your current product approaches its end, ensuring you secure another competitive scheme before your current rate expires. It’s a straightforward process. Our proficiency in guiding you towards the right lender and product could potentially save you thousands of pounds in interest payments.

Offset Mortgages

If you’ve accumulated substantial savings, an Offset Mortgage might be the optimal choice. Your savings need to be held with a lender that provides Offset mortgages. They utilise your capital to offset the interest accrued on your mortgage, resulting in substantial savings on interest charges.

Furthermore, we offer guidance on various mortgage types, including Let To Buy, Adverse, and Self-Build mortgages.

Self-Build Mortgages

Realising the dream of constructing your ideal home may now be within reach with the assistance of self-build mortgages. These mortgages are intricate and technical, releasing funds at various stages of the construction process. Securing a plot, meeting lending criteria, and selecting a builder are just a few components of a self-build mortgage, yet the advantages of building your own home are unmistakable.