The right mortgage for you.
We’re here to find the best mortgage for you, whatever stage of life you’re in. Our focus is simple: provide honest, straightforward advice and make the process smooth from start to finish.
Mortgage solutions for everyone
Our full range of mortgage services is tailored to your needs, covering everything from first-time buyers and buy-to-let investors to remortgages, shared ownership mortgages and insurance protection. Whether you’re a seasoned investor or just getting started, we’re here to find the right deal for you.
Types of mortgages
Taking the leap into home ownership for the first time is exciting but can be overwhelming. First-time buyer mortgages are designed to make this step easier, often with lower deposit requirements and flexible terms. These mortgages can also offer government incentives, like Help to Buy, making your first home more affordable. Ask us about the latest government schemes that could apply to you.
If you’re looking to invest in property for rental income, a buy-to-let mortgage is tailored for that purpose. These typically require a larger deposit than residential mortgages and the lender will assess your potential rental income, rather than just your salary, when deciding how much to lend.
Remortgaging involves switching your existing mortgage to a new deal, either with your current lender or a new one. It can be a smart way to reduce your monthly payments, release equity, or switch to a fixed rate for more stability. It’s a popular option for homeowners seeking better rates or improved terms.
Investor mortgages are designed for those purchasing properties as an investment, whether for rental income or property development. These mortgages often come with specific terms around deposits and interest rates, and lenders typically look at the potential return on the property as a key factor in approval.
Getting a mortgage when you’re self-employed can feel like an uphill battle, but it doesn’t have to be. With the right documentation, like proof of income and business accounts, self-employed professionals can secure competitive mortgage deals. Lenders will look at your trading history to assess affordability, but plenty of options are available.
Protecting your mortgage with insurance can provide peace of mind. Mortgage protection insurance covers your repayments in case of illness or unemployment, whereas life insurance ensures that your mortgage is paid off if the worst should happen. It’s a safeguard for you and your loved ones, ensuring that your home is secure no matter what life throws at you.
Book your free consultation today
Ready to take the next step? Get in touch with one of our expert financial advisers. No pressure, no obligation – just straightforward financial advice tailored to you. Call us on 01234 567890 or fill out the form below.
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