Mortgages

YOUR HOME /PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
MOST BUY TO LET REMORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

First Time Buyers

Thinking about buying your first place? Getting a mortgage can seem complex, but we’re here to help. Many sellers prefer offers with an Agreement in Principle (AIP), which a mortgage advisor can guide you through. Your credit score and income also play a role – stronger scores and higher incomes may qualify for better deals.

To make the process smoother, consider working with a mortgage advisor. Their expertise can simplify everything from navigating paperwork to understanding financial terms. They’ll help you find a mortgage that fits your budget and needs, making your first homeownership journey a success.

Home Mover

Thinking of selling your current home and buying a new one? We can help navigate your mortgage options. A “home mover mortgage” lets you keep your existing deal or explore new ones depending on your situation.

“Porting” your mortgage allows you to transfer your current deal to your new home. This can be a good option if you have a favourable interest rate. However, your lender might have limitations, so it’s important to get pre-qualified advice.

Speak to us today for fee free advice to explore your home mover mortgage options and make an informed decision.

Buy To Let Mortgages

Thinking about becoming a landlord? Buy-to-Let mortgages let you purchase property specifically for rental income. Keep in mind, the application process is stricter than standard mortgages. Lenders often require a higher minimum deposit (around 25%) and a strong financial profile. Interest rates tend to be higher as well. Here’s why our experts are valuable:

Qualifying for the right mortgage: We can check that you meet lender criteria and secure the right deal.

Important Considerations:

There’s no guarantee of continuous tenants or rental income sufficient to cover your mortgage.

Most Buy to Let mortgages are not regulated by the Financial Conduct Authority

Get Started Today: Let’s discuss your Buy-to-Let goals and find the right mortgage solution for you

Expert Remortgage Advice

Considering switching your mortgage deal? Remortgaging can be a smart way to save money, especially if:

Your fixed rate term is ending soon.
Your property value has increased significantly.
You anticipate rising interest rates.
Your current mortgage limits overpayments.
You want more flexibility or to borrow extra.

Not sure if remortgaging is right for you?

Our mortgage experts can help! We’ll analyse your current deal and compare remortgage options. High exit fees or nearing the end of your mortgage term might make remortgaging less attractive.

Get a fee Free Initial Consultation Today!

Let’s discuss your situation and find the right mortgage solution for you

Self Employed Mortgages

Being self-employed doesn’t limit your mortgage options! Like anyone else, you can qualify for competitive deals by demonstrating a steady income and meeting repayment requirements.

What lenders consider for self-employed mortgages:

Income: Provide documentation to prove a stable income history.
Business Expenses: Lenders may factor in business costs to determine your borrowing power.
Business Stability: Demonstrate a track record of success in your field.

Why use our experts?

Navigating the mortgage application process as a self-employed individual can be complex. Our team can help you:

Gather the necessary documentation
Calculate your borrowing potential
Find a mortgage that fits your needs

Get Started Today!

Let’s connect you with the right mortgage and make your homeownership dream a reality.

Our Work process

Your Goals

We establish your goals and aspirations for property ownership

Your Requirments

We gather relevant personal and financial information and establish your requirements for your mortgage, including insurance and protection.

Our Recommendation

We recommended a mortgage and any relevant protection/ insurance cover based on what we know about your requirements. We'll also arrange any other services you need, eg. surveys, conveyancing etc...

Application Process

We oversee your application, liaising with lenders / providers to help make sure your application progress smoothly.

Reviews

We meet regularly to review your circumstances and help keep you on track to achieve your goals.

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Years of Experience

Meet Our Experts

Aiyan Sakla

Founder and CEO

Susan Sarandom

Founder and CEO

Jacika Brown

Founder and CEO

Alisha Martin

Founder and CEO

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