First-time buyers
Buying your first home should feel exciting, not overwhelming. We walk you through every stage, from working out a realistic budget to getting the keys, and we translate the jargon as we go.
With access to over 90 lenders, including those who welcome smaller deposits, gifted deposits and newer credit histories, we find the deal that fits your circumstances rather than forcing you to fit the bank’s.
- Deposits from 5%, with low-deposit schemes explained
- Agreement in principle, often arranged within 24 hours
- Help with gifted deposits and family support options
- Guidance on surveys, solicitors and exchange
- A named adviser with you until completion day
Moving home
Whether you are upsizing, downsizing or relocating, the mortgage should be the easy part of your move. We look at whether porting your current deal, borrowing more or starting fresh works out best.
We coordinate with your estate agent and solicitor and keep the finance moving to your timescale, so a slow lender never becomes the reason a chain falls apart.
- Port, top up or switch, we compare all three routes
- Borrow more for a bigger home or renovations
- Early repayment charges checked before you commit
- Chain-friendly, proactive case management
- Evening and weekend appointments around your move
Remortgaging
When your fixed rate ends you land on your lender’s standard variable rate, which is usually the most expensive way to hold a mortgage. A well-timed remortgage can save thousands.
We start reviewing your options up to six months before your deal ends, compare the whole market against your current lender’s retention offer, and handle the switch from start to finish.
- Free deal review up to 6 months before your rate ends
- Whole-of-market comparison, not just your own bank
- Release equity for home improvements or consolidation
- Many remortgage deals with free valuation and legals
- We handle the paperwork and chase the lender for you
Buy-to-let
From a first rental property to a growing portfolio, we arrange landlord finance that stacks up. We know which lenders take a sensible view of rental cover, limited companies and portfolio landlords.
We will stress-test the numbers with you first, so you know a purchase works before you offer, and we can arrange protection for rental income and the property itself.
- Personal and limited company buy-to-let compared
- Rental cover and stress tests explained in plain English
- Portfolio, HMO and holiday-let lending arranged
- Remortgage reviews across your whole portfolio
- Yield and stamp duty calculators to test the numbers
Later-life lending
Your options do not stop at retirement. Lifetime mortgages, retirement interest-only deals and standard later-life lending can unlock the value in your home, calmly and safely.
We explain every route clearly, including the effect on your estate and any means-tested benefits, and we encourage family to join the conversation whenever you would like them there.
- Lifetime mortgages and equity release, clearly explained
- Retirement interest-only (RIO) mortgages compared
- No-negative-equity guarantees as standard on advised plans
- Impact on your estate and benefits set out in writing
- Family welcome in every meeting, at no charge
Documents you’ll need
Getting your paperwork together early can shave weeks off a mortgage application. Here is what lenders usually ask to see. We will confirm the exact list for your case.
- Photo ID (passport or driving licence)
- Proof of address (recent utility bill)
- Last 3 months’ payslips or 2 years’ accounts
- Last 3 months’ bank statements
- Proof of deposit or equity
- Details of loans, cards and commitments
Mortgage questions, answered
Most lenders start at 5% for residential purchases, though a 10% or 15% deposit unlocks noticeably better rates. Buy-to-let usually needs at least 20 to 25%. We will show you exactly what your deposit achieves.
An agreement in principle can often be arranged within 24 hours. A full mortgage offer typically takes two to four weeks depending on the lender and how quickly documents arrive, and we chase every step for you.
Yes. Most lenders want one to three years of accounts or SA302s, and some are far more flexible than others about retained profits and recent trading. Knowing which lender to approach first is exactly where we add value.
It depends on how much certainty you want and where you think rates are heading. We will talk through fixed, tracker and discounted options and model what each means for your monthly budget before you decide.
Budget for stamp duty, valuation and survey fees, solicitor costs and possibly a lender arrangement fee. Our calculators page lets you estimate stamp duty for England, Scotland and Wales in seconds.
Yes. We keep everyone in the chain updated, from agent to conveyancer, so the finance never becomes the bottleneck in your purchase.
Ready to talk mortgages?
Tell us what you are trying to do and a named adviser will map out your options, free and without obligation.