Mortgages

We provide advice on residential mortgages, including first-time buyer, home mover, remortgage and buy-to-let. Below we set out what's involved, what it costs, and the risks you should weigh up before applying.

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Types of mortgage we can advise on

First-time buyer

Support understanding deposit requirements, affordability assessments and the range of products available to first-time buyers.

Home mover & remortgage

Advice on moving home or switching your existing mortgage, including early repayment charges you may need to consider.

Buy-to-let

Advice for landlords, including rental cover requirements and the additional considerations that apply to investment property.

Adverse credit

Advice for those with a less-than-perfect credit history, including missed payments, defaults or CCJs. We work with lenders who take a more flexible view of past credit issues.

Eligibility & affordability

Whether a mortgage is available to you — and how much you can borrow — depends on factors including your income, existing debts, credit history, deposit, the property itself, and the lender's own lending criteria. Lending criteria vary between lenders and can change at any time.

We will assess affordability using the information you provide and, where relevant, lender affordability calculators. This is an assessment, not a guarantee of acceptance — all mortgage applications remain subject to the lender's own underwriting and final approval.

We do not currently quote specific interest rates or numerical examples on this page. Where we do discuss rates with you directly, we will provide a full representative example, including the APRC (Annual Percentage Rate of Charge), before you proceed.

Risks to consider

Your home may be repossessed if you do not keep up repayments on your mortgage. Before applying, you should be confident you can afford the repayments, including if your circumstances or interest rates change. Some mortgages carry early repayment charges if you repay or remortgage during a fixed or introductory period. We will explain any such charges that apply to a product we recommend.

What it costs

We charge a broker fee for arranging your mortgage. The amount depends on the type and complexity of mortgage required — for example, a straightforward remortgage typically involves a different level of work to a complex buy-to-let or adverse credit case. We will always discuss and agree the exact fee that applies to you, and when it is payable, in writing before any advice is given or you incur any cost. In addition to any fee you pay us, most lenders pay us commission — we'll tell you the amount if you ask.

There may be other costs associated with taking out a mortgage, such as valuation fees, legal fees and lender arrangement fees. We'll explain which of these apply to your recommended product.

Ready to talk it through?

Get in touch and we'll have an initial conversation about your circumstances, free and without obligation.