Whether you're looking to move, a first time buyer, re-mortgaging, or an investor increasing your property portfolio, we work with a wide range of specialists to help you. We know finding a mortgage can be daunting, but we're here to help you every step of the way.
Whatever you need, we’re here to help every step of the way.
Finding a mortgage for your next home move doesn’t have to be expensive, our expert team can find deals that aren’t available on the high street to make sure that your next mortgage is perfect for your needs.
Getting your first mortgage doesn’t have to be a scary task. Our expert team are here to support you the whole way through the process and take the weight off of mortgages, leaving you to decide on your decor!
Whether it’s capital raising for that dream kitchen, consolidating your debts into one payment or simply finding a better rate, our expert team will get you the right mortgage to suit your needs.
The buy to let mortgage market can be quite confusing and competitive. Our experts are on hand to help you navigate through. Whether you’re a first time landlord, or buying a new investment, leave it to us to find you the right deal.
Shared Ownership mortgages are a very specialist area of the market and most lenders have varying criteria for these mortgages. Our team have completed many of these previously and know exactly what lenders will accept to help you get moving quickly.
Interest Only mortgages are a very specialist area of the market and each lender has very different strict criteria. Our expert team are able to navigate through the criteria and help to you to get the mortgage you need.
Have you been turned down by high street lenders? Being Self Employed doesn’t mean you can’t get a mortgage. It’s not anymore difficult than any other mortgage, it just needs specialist knowledge. We can help to get you the right rates and access to products that aren’t available on the high street.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Some Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Get in touch and let us find you your mortgage today!
We have a wide range of lenders we deal with, including exclusive deals that you won’t be able to find yourself.
These include: Barclays, Halifax, HSBC UK, Nationwide, Natwest, Santander, Precise Mortgages, Kent Reliance, Skipton Building Society, Tesco Bank, TSB, Aldermore, Accord Mortgages.
We’ll work with you to gather information about your personal and financial circumstances, such as employment and credit history. We’ll go through the various mortgage options and ensure the option s suitable for your needs.
We’ll apply to the agreed mortgage provider for the mortgage type discussed. This will involve a full credit check by the lender. They’ll confirm in writing how much they are prepared to lend to you. This can then be used to confirm your circumstances and seriousness to the seller.
When you’re ready to proceed and have had your offer accepted, we’ll then complete a full application with more detailed information. Usually, once the full mortgage application is submitted the lender will ask for evidence documents, such as recent payslips, bank statements or accounts.
When the lender receives the full application, they will then complete a valuation. The valuation gives the mortgage lender enough information to base their decision and confirms the value of the property.
When the lender has received the valuation and all underwriting and checks have been completed and everything is satisfactory, they will send you a formal ‘Mortgage Offer’ confirming that your loan has been agreed. This will include a full illustration of mortgage costs and terms. This will usually be sent to you, us and your solicitor.
Work out your monthly cost
This calculator is to be used for guidance purposes only. Your mortgage adviser will be able to provide you accurate figures of what to expect for your monthly mortgage repayments following an initial meeting.
Speak to one of our advisors now!