Our mission
Buying a property as a home or investment is an exciting time, but as one of the biggest financial decisions you will ever make, it can be a stressful time.
We can remove that stress and worry by finding a mortgage suitable to your needs and allowing you to focus on your exciting journey ahead.
To ensure your journey is smooth and stress free, we will search the market to find the best product to suit your needs.
We work with over 170 lenders to find you the right product based on your circumstances and we will provide clear and transparent advice and guidance throughout the process.
Our professional team of mortgage experts will help you make the best decisions on your journey to finding the right mortgage.
Our services include providing mortgage advice, completing the mortgage application for you including compiling and submitting all of the documentation required, working around your schedule.
Don't Let Life's Curveballs Derail Your Dreams
We help clients find financial security against unexpected events like accidents, illness, job loss, or even death. Lack of proper protection can significantly impact your lifestyle and leave your family struggling financially when they need you most.
Protecting Your Home and Future
Owning a home is often the biggest financial commitment people make. We help clients explore all options to ensure they can keep their dream home and maintain their standard of living if they're no longer able to work due to illness, accident, or even if a spouse passes away.
Frequently asked questions about mortgages
What is the difference between a fixed rate and a variable rate mortgage?
A fixed rate mortgage means your interest rate is fixed for a period of time (usually 2-5 years) and ensures your monthly repayments are don’t change during that time.
A variable rate mortgage means your interest rate is not fixed and therefore the amount of interest can go up or down which in turn means your monthly payments can change.
What does Loan to Value (LTV) mean?
Mortgage lenders will lend based on the LTV %. The LTV is the percentage a lender will lend based on the amount you need to borrow versus the value of the property. For example:
Property purchase price = £200,000
Your deposit = £30,000
Loan you need = £170,000
The LTV calculation is Loan you need divided by the Property purchase price = LTV%
170,000 / 200,000 * 100 = 85%
What is a repayment mortgage?
This is where the monthly repayments consist of capital and interest. As you make payments, the amount borrowed decreases throughout the term and by the end of the loan term, the loan is fully paid.
What is a repayment vehicle or repayment strategy?
A repayment vehicle is an investment you have running alongside your mortgage to repay the loan. Some examples of repayment vehicles are an endowment policy, a stocks & shares ISA, your pension or a buy-to-let property.
Can I get a mortgage with bad credit?
Bad credit does not automatically stop you getting a mortgage. We work with numerous specialist lenders who can assist you and we will endeavor to achieve your goal. Give us a call so we can discuss your requirements.
Can I get a mortgage if I am self-employed?
Just because you are self-employed does not automatically prevent you from getting a mortgage. We work with numerous lenders who can assist you and we will help you achieve your goal. Give us a call so we can discuss your requirements.
What is an interest-only mortgage?
An interest-only mortgage allows you to pay just the interest charged each month for the term of the loan. You don’t have to repay the amount you’ve borrowed until the end of the term. With an interest only mortgage, you need a suitable repayment vehicle or repayment strategy alongside it to ensure you can repay the amount you borrowed at the end of the term.
What is a mortgage broker?
Mortgage brokers are specialist mortgage providers who will look for a suitable mortgage on your behalf in order to ensure they secure the best product for you. Our mortgage advisors are CeMap qualified and we are regulated by the Financial Conduct Authority (FCA).
Do mortgage brokers charge a fee?
We provide a professional service, doing the hard work to ensure we find you the best available mortgage product, therefore we do charge for our services. For transparency, our fees are detailed on the documentation provided to you before you make any commitment to us.