Mortgage advice, whatever your situation

A mortgage is the largest financial commitment most people ever make, and the market changes constantly. We research what is available across a wide range of lenders and recommend the option that is most suitable for you.

First-time buyers

Deposits, affordability, what the fees actually are and what happens when.

Moving home

Porting your existing deal, borrowing more, and the timing of a chain.

Remortgaging

Coming to the end of a fixed rate, or releasing equity for improvements.

Self-employed

Company directors, contractors, and anyone paid in bonus or commission.

Credit history problems

Missed payments, defaults and CCJs do not automatically rule you out.

Later life lending

Borrowing into and through retirement, including retirement interest only.

The choice you will face

Fixed, tracker, discount or offset

Which of these suits you depends entirely on your circumstances and how much certainty you need. That is the conversation we have with you.

Types of mortgage explained

Budgeting

The costs beyond the deposit

People budget carefully for the deposit and then get caught out by everything else. We set all of it out at the start so there are no surprises three weeks in.

Lender arrangement and valuation fees
Conveyancing, searches and Land Registry fees
A survey, which is separate from the lender's valuation
Stamp Duty Land Tax where it applies
Removals, and any overlap on rent or bills
Our advice fee, confirmed to you in writing beforehand

Important

Your home may be repossessed if you do not keep up repayments on your mortgage.

Find out where you stand

Book a callback and we will give you an honest read on what is achievable.

Book a callback Call 07973 705692