Mortgages

Your Mortgage Journey Made Easy

Mortgages come in all shapes and sizes, and navigating the range of offers available can be confusing to say the least! Let us help find you a great deal that fits your needs and circumstances.

Important!

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Standard Mortgages

First-time-buyers

Buying your first house can be a daunting experience, but we are here to help guide you and make the process as stress-free as possible.

Movers

Moving house brings with it additional stresses, such as having to sell your home and being part of a chain. Whatever your circumstances, we can support you in your journey.

Re-mortgages

Whether you're re-mortgaging to release equity or you simply want to save on your repayments, we will help you find a great deal that's suitable for your circumstances.

Buy to let

Buy to let mortgages can seem confusing, with lenders changing their criteria, but we can provide guidance on the best route to take.

New builds

Lenders look at new builds slightly differently than other mortgages, but we are here to help advise on any queries you might have.

First-time-buyers

Buying your first house can be a daunting experience, but we are here to help guide you and make the process as stress-free as possible.

Movers

Moving house brings with it additional stresses, such as having to sell your home and being part of a chain. Whatever your circumstances, we can support you in your journey.

Buy to let

Buy to let mortgages can seem confusing, with lenders changing their criteria, but we can provide guidance on the best route to take.

Re-mortgages

Whether you're re-mortgaging to release equity or you simply want to save on your repayments, we will help you find a great deal that's suitable for your circumstances.

New builds

Lenders look at new builds slightly differently than other mortgages, but we are here to help advise on any queries you might have.

Get in touch to discuss your mortgage

Specialist Mortgages

Self-employed

Different lenders have different lending criteria for self-employed income. We can help by understanding your needs and circumstances, such as your trading status, how long you've been trading, and how you get paid (salary, dividends, profits).

Day rate contractor

Whether your income is earned through agency work, zero-hour contracts, fixed-term, or day rate contracts, we can guide you on the best way forward.

Poor credit mortgages

Having poor credit does not mean getting a mortgage should be impossible. By understanding your position and the reasons behind it - such as missed/late payments, bankruptcy, CCJ/defaults, or no credit history - we can help advise on the best way forward for you.

Get in touch to discuss your mortgage

Mortgage Schemes

Shared ownership

With Shared Ownership, you can buy a share of the home, ranging from 25% to 75% of the property value, then pay rent on the remaining share. You're able to buy a larger share of the home when your finances allow.

First Home Scheme

When buying a new build property as your first home, this scheme allows you to buy it at a discounted price. Standard mortgage products will still be available to you, and you'll also pass on the savings to the next first time buyer!

Green mortgages

Some lenders offer green mortgages on properties with an A to C Energy Performance Certificate rating. Energy efficient properties can come with a discounted mortgage rate.

Own new

Own New is offered by some lenders on new build homes, with a deposit of as little as 5%. This can mean lower monthly mortgage payments for an initial 2- or 5-year period, providing affordability for first-time buyers and existing homeowners alike.

Deposit Unlock

Also linked to new build properties only, but available to first time buyers and movers, Deposit Unlock lets you buy at a higher loan-to-value limit on a new build property, while the housebuilder takes out indemnity insurance to support the purchase.

Shared ownership

With Shared Ownership, you can buy a share of the home, ranging from 25% to 75% of the property value, then pay rent on the remaining share. You're able to buy a larger share of the home when your finances allow.

First Home Scheme

When buying a new build property as your first home, this scheme allows you to buy it at a discounted price. Standard mortgage products will still be available to you, and you'll also pass on the savings to the next first time buyer!

Own new

Own New is offered by some lenders on new build homes, with a deposit of as little as 5%. This can mean lower monthly mortgage payments for an initial 2- or 5-year period, providing affordability for first-time buyers and existing homeowners alike.

Green mortgages

Some lenders offer green mortgages on properties with an A to C Energy Performance Certificate rating. Energy efficient properties can come with a discounted mortgage rate.

Deposit Unlock

Also linked to new build properties only, but available to first time buyers and movers, Deposit Unlock lets you buy at a higher loan-to-value limit on a new build property, while the housebuilder takes out indemnity insurance to support the purchase.

Get in touch to discuss your mortgage