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Mortgage advice for buyers, movers and landlords
We offer advice on a range of mortgage services. If you are a first time buyer, looking to remortgage or perhaps expand your investments, we can help.
The value of advice
The cheapest headline rate is rarely the cheapest mortgage.
Arrangement fees, early repayment charges, valuation costs and the length of the tie in all change the real cost of borrowing. A rate that looks a fraction lower can work out considerably more expensive across the fixed period once the fees are counted.
We compare on total cost over the deal term rather than on the headline number, and we show you the working, so the recommendation is something you can interrogate rather than simply accept.
- Total cost compared across the full deal period
- Criteria checked before any application is submitted
- Written recommendation setting out the reasoning
- One adviser handling the case through to completion
What we advise on
Whatever stage you are at
Five routes onto or through the property market, each with its own criteria, pitfalls and paperwork.
First Time Buyers
Getting onto the ladder takes more than a deposit. We work through affordability, scheme eligibility and lender criteria so your first application is a strong one.
Get in touchResidential Property
Buying the next home, or the one after that. We line the mortgage up against your chain so the finance is never the thing holding the move up.
Get in touchRemortgage
Coming to the end of a fixed rate is the moment most people slip onto a higher payment. We start the review early enough for the switch to be worth making.
Get in touchPurchase and Product Switch
Whether you are buying or simply moving to a new deal with your existing lender, we set out what each route costs across the full term, not just the headline rate.
Get in touchBuy to Let
Rental stress testing, limited company structures and portfolio lending, with the criteria checked before anything is submitted.
Get in touchYOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Lending and most Buy to Let mortgages are not regulated by the Financial Conduct Authority.
How it works
Four steps, no surprises
You will always know what is happening, what we need from you and what comes next.
1 Step 1
Listen
A proper conversation about what you earn, what you owe and what you are trying to do. No forms until we understand the picture.
2 Step 2
Research
We work through the criteria against your circumstances and set out which options are realistically open to you.
3 Step 3
Recommend
A clear written recommendation setting out the product, the cost and the reasoning, so you can see why it was chosen.
4 Step 4
Complete
We handle the lender, the solicitor and the paperwork through to completion, and we tell you where things stand without being chased.
Common questions
Mortgage questions we are asked most
How much can I borrow?
Most lenders work to a multiple of income, commonly between four and five times, but affordability is assessed on your full picture including credit commitments, childcare and how the income is earned. Two lenders can reach very different answers on identical figures, which is why it pays to check before you offer on a property.
How large a deposit do I need?
Five percent deposits are available to many buyers, though a larger deposit widens the choice of lender and usually improves the rate. We will show you the difference in cost between the tiers so you can judge whether waiting to save more is worth it.
What is the difference between a product switch and a remortgage?
A product switch moves you to a new deal with your existing lender, which is usually quicker and involves less paperwork. A remortgage moves the loan to a different lender, which takes longer but opens up a wider set of options. We will set out what each route costs in your case.
Can you help if my credit history is not perfect?
Often, yes. Defaults, missed payments and past arrangements do not automatically rule you out. What matters is the type of event, how long ago it happened and what has changed since. Speak to us before applying anywhere, because declines leave a footprint that makes the next application harder.
How long does an application take?
From application to formal offer is commonly two to six weeks, though it varies by lender and by how quickly documents come back. Purchases then depend on the conveyancing and the chain, which is usually the longer part of the wait.
Let us look at your numbers.
A first conversation costs nothing and usually takes about twenty minutes. You will come away knowing what is realistic.