Unlike banks or building societies, which can only offer their own products, we have access to a wide selection of mortgages from multiple lenders, including high street banks, specialist lenders, and building societies. This gives you more choice and the potential for better rates and terms.

We offer a variety of mortgage products, including:

1. Fixed-rate mortgages: Your interest rate stays the same for a set period.
2. Variable-rate mortgages: The interest rate can fluctuate, usually in line with the Bank of England base rate.
3. Tracker mortgages: These follow the Bank of England base rate at a set margin.
4. Buy-to-let mortgages: For purchasing rental properties.
5. Help to Buy and shared ownership schemes: For first-time buyers.
6. Offset mortgages: Where savings are used to reduce the loan balance on which interest is calculated.
7. Remortgaging: To switch your current mortgage deal to a new one.

The amount you can borrow depends on factors such as your income, outgoings, credit history, and the size of your deposit. Most lenders offer between 4 and 5 times your annual income, though this varies depending on the lender. We can assess your affordability and help you find the right loan amount for your circumstances.

The minimum deposit typically required is 5% of the property’s value, but many lenders prefer a deposit of 10% or more for better rates. For first-time buyers or those using government schemes, there may be lower deposit options available.

Eligibility for a mortgage depends on several factors, including your income, credit score, deposit size, and current debts. We’ll help you assess your financial situation and guide you through the application process to ensure you’re eligible for the best mortgage options available.

Fixed-rate mortgages have an interest rate that stays the same for a set period, typically 2, 5, or 10 years, providing predictability in monthly payments.

1. Variable-rate mortgages have an interest rate that can change, usually based on the Bank of England base rate. This means your payments could increase or decrease over time.

In addition to the deposit, you’ll need to budget for fees such as:

1. Arrangement fees: Charged by lenders to set up the mortgage.
2. Valuation fees: To assess the value of the property.
3. Legal fees: For conveyancing services, which can be handled by a solicitor.
4. Stamp Duty: A tax on property purchases above a certain value (varies by region in the UK).
   We’ll help you understand and budget for all costs involved in your mortgage process.

Stamp Duty is a tax levied on property purchases above a certain price threshold. The amount you pay depends on the property value and whether you’re a first-time buyer. There are various exemptions and discounts, including relief for first-time buyers on properties up to £500,000. We can help you understand your Stamp Duty liability.

The mortgage application process typically takes between 4 and 6 weeks, depending on the lender and the complexity of your situation. We will work with you closely to make the process as smooth as possible and keep you updated at every stage.

It is possible to get a mortgage with bad credit, but you may need to consider specialist lenders who offer mortgages to those with a less-than-perfect credit history. Interest rates may be higher, but we can help you find the best available deal for your situation.

Mortgage life insurance is a type of life insurance designed to pay off your mortgage in the event of your death. It ensures that your family won’t be burdened with the mortgage if something happens to you. We can help you explore life insurance options to protect your home and loved ones.

Yes! Remortgaging involves switching your existing mortgage to a new deal, either with your current lender or a new one. People typically remortgage to get a better interest rate, release equity from their property, or change the terms of their loan. We can assist you in finding the best remortgage deals.

Your credit score is a number that reflects your creditworthiness based on your credit history. Lenders use it to assess how risky it is to lend to you. A higher score generally leads to better mortgage offers, while a lower score may result in higher interest rates or limited borrowing options. We can guide you through improving your credit score if needed.

To get started, simply contact us for an initial consultation. We will review your financial situation, explain the mortgage options available, and help you begin the application process. Our goal is to make the process simple and stress-free, with expert advice every step of the way.