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Mortgage Services
Expert Advice to Help You Buy with Confidence
Buying a home is one of the biggest financial decisions you'll make, and finding the right mortgage is key. Our independent mortgage brokers are here to help you every step of the way—whether you're a first-time buyer, moving home, or looking to remortgage.
- Personalised AdviceOur brokers will find the best mortgage deals tailored to your circumstances
- Exclusive RatesWe have access to a wide range of lenders, including deals not available directly to the public.
- Support from Start to FinishFrom your initial enquiry to securing your mortgage offer, we guide you through the process.
Mortgage FAQs
Applying for a mortgage typically involves:
• Checking your credit score and financial situation.
• Researching lenders or speak to a mortgage broker.
• Get an Agreement in Principle (AIP) to understand what you may be able to borrow.
• Gathering necessary documents such as proof of income, bank statements, and ID.
• Submitting a full mortgage application once you have found a property.
For personalised guidance on your application:
Lenders assess your borrowing capacity based on:
- Your income and employment status.
- Monthly outgoings, including debts and living expenses.
- Your credit history and score.
- The size of your deposit.
- The lender’s affordability criteria and stress tests.
To get an estimate based on your income and outgoings:
- Fixed-rate mortgages: Your interest rate stays the same for a set period, providing stability.
- Tracker mortgages: The interest rate changes in line with the Bank of England base rate.
- Variable-rate mortgages: The lender can change the rate at any time, meaning payments could rise or fall.
To see what works best for you.
A mortgage broker can help by:
- Searching the whole market for the best deals.
- Advising on suitable mortgage options for your financial situation.
- Managing paperwork and liaising with lenders on your behalf.
- Accessing exclusive deals not available to the public.