First-time buyers
We explain how lenders assess your income and deposit, and what that means for your budget. Before you apply, we help you prepare the documents the lender needs and talk through the costs of buying.
Mortgage advice for your next move.
We help with buying a home, changing your mortgage and financing a rental property. We compare lenders' criteria and the full cost of each deal, then explain our recommendation.
What we arrange
The mortgages we arrange
We start with a free initial consultation about your plans, income and deposit. If you already have a mortgage, we look at your current deal too.
Home movers
We check whether you can transfer your current mortgage to the new property and compare it with taking a new deal. We also check any early repayment charges and how the mortgage fits with your sale.
Remortgages
We compare your current lender's offer with deals available elsewhere, including fees and any early repayment charges. If you want to borrow more, we check how that affects your repayments.
Buy-to-let
We help first-time and existing landlords find lenders whose criteria fit the property and rental income. We also arrange mortgages for limited companies and landlords with several properties.
How it works
How a mortgage application works with us
1
Free consultation
We ask about your income, regular spending and plans for the property. Bring details of your deposit or current mortgage if you have them. The initial consultation is free.
2
Compare lenders
We compare rates, fees and lending criteria across the market available to us. We explain the options and why we recommend a particular deal.
3
Prepare your application
We help you gather proof of identity, income and deposit, along with bank statements. We submit the application and follow up with the lender as it reviews the paperwork and valuation.
4
Review the offer
If the lender issues an offer, we explain its terms and keep in touch with your solicitor through to completion. We also contact you before your mortgage rate ends.
Calculator
Estimate your mortgage repayments
Enter the property value, deposit, term and interest rate to estimate a repayment mortgage. The calculation assumes the same rate for the full term and excludes fees.
For illustration only. Actual rates and repayments depend on your circumstances and lender assessment. Your home may be repossessed if you do not keep up repayments on your mortgage.
Monthly repayment
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Estimated monthly capital and interest payment
Total repayments
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Capital and interest over the full term
Loan-to-value (LTV)
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Lower LTV often unlocks better rates
Mortgage questions
Mortgage FAQs
How much deposit do I need?
Some mortgages are available with a 5% deposit, depending on the lender and your circumstances. A larger deposit often gives you more choice. Buy-to-let deposits are often around 20–25% or more. We can check the requirements for the property you have in mind.
Can I get a mortgage if I'm self-employed?
You can apply if you are self-employed. Lenders assess business income in different ways, so we check their requirements against your accounts or tax calculations. We explain what evidence you need before submitting an application.
Should I fix my rate, and for how long?
A fixed rate keeps your interest rate the same for an agreed period. With a tracker, it moves in line with the rate it tracks. We discuss how much certainty you need and whether you might move or repay early, then compare suitable deals and their charges.
Can you compare the rate my bank has offered?
Yes. Send us the rate and fees your bank has quoted, and we'll compare them with deals available elsewhere. We look at the overall cost and explain whether staying with your bank makes sense.
Free consultation
Ask us about your mortgage.
Tell us whether you're buying, moving or reviewing your current mortgage. We'll reply within one business day to arrange your free initial consultation.