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Residential Mortgages

As a whole of market residential mortgage broker, we are able to access thousands of products and recommend the most suitable option. We have access to exclusive rates as well as underwriters with whom we can discuss more complex cases, giving peace of mind.

We are committed to finding the right mortgage for your needs and making the process as simple as possible.

We can advise on the following types of residential mortgages:

  • First Time Buyers
  • Remortgages
  • Home Movers
  • Shared Ownership
  • New Builds

We are completely independent and are directly authorised by the Financial Conduct Authority (FCA).

We simplify the mortgage process and provide lending solutions that take you home.  Please contact us and let us work on your future together.

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First Time Buyers

As a first time buyer, finding exactly the right mortgage for your circumstances can be daunting, especially if you need a high loan to value mortgage or parental assistance to buy your first home.

There are a number of benefits to being a first time buyer:

  • First time buyers are in a strong position to purchase the property and can generally complete the purchase quicker than someone who has to sell their property.
  • There is less risk of the sale falling through as the first time buyer is not in a chain.
  • The first time buyer market is very competitive between lenders and we can source great mortgage deals.

We will advise out how much you can borrow by getting an ‘agreement in principle’ figure from us before you start looking at property. This will protect you from possible disappointment at a later stage and will put you in a strong buying position.

Happy couple is taking keys for their new house from broker and smiling

Remortgages

Whatever your reason for remortgaging, we can help you find the right solution. Whether it be to raise capital against your property, carry out home improvements or simply reduce your monthly expenditure by taking advantage of more competitive rates.

We can help you with everything, whether you want to borrow more from your lender, or switch to a new one. We will carry out the analysis for you, comparing what your existing lender can offer with other deals on the market.

We’ll keep it really simple for you, streamline the whole process and offer straightforward advice on the benefits and risks of switching.

Please contact us for great advice on every aspect of remortgaging and what it means for your particular situation.

Family in their new house planning with daughter

Home Movers

If it’s time for a change and you’re keen to move on to the next rung of the property ladder, we can ensure that you get the right deal for you, on your mortgage. We can minimise any hassle and make sure you get the mortgage that fits your needs.

A house mover mortgage is, essentially, any mortgage that represents the right loan for your next property. This will need to be affordable for you while meeting your ever changing needs as a homeowner. In the majority of cases, sorting out your mortgage can be straightforward when moving home, whether you opt for a remortgage to improve the deal or you port your current mortgage to your new property.

Whether you’re moving up the ladder or downsizing, you are likely to have a larger deposit than a first-time buyer. That means you may be able to finance a larger property or significantly reduce your monthly mortgage payments, particularly if you’re downsizing.

Young couple unpacking boxes on moving to new home

Shared Ownership

Shared Ownership is an affordable homeownership scheme which may make it easier for you to get on the property ladder.

You buy a share in a home on a long lease from a housing association and this initially between 25% and 75%, and make monthly mortgage payments on this share. This means that the mortgage you take out is based on the share and therefore the deposit required is lower.

The rest of your home is rented from the housing association and will usually pay below-market rent.  You also have the option to increase your share over time, at a price based on the value of the property at the time and in many cases, you can increase your share up to the point where you own 100% of your home and this is known as ‘staircasing’.

To buy a home through a Shared Ownership scheme, you will need to contact the Help to Buy agent in your area and further information is available from the government site.

House made of hands protecting young family at the field

New Builds

Buying a new build property is a great way to get on or move up the housing ladder. A brand new home can give you the freedom to make it your own and it should give you fewer structural problems than an old or period home.

The mortgage criteria for new builds also varies drastically from lender to lender and most require a larger deposit from you than on an open market purchase. If you’re buying a new build property, it is important to make sure that you can secure the mortgage you need before committing to anything as developers often require you to exchange contracts within 28 days, or you risk losing your deposit.

New build properties are often offered with various incentives; builder gifted deposit, legal fees paid, kitchen/bathroom upgrades and even mortgage subsidies. We will be able to advise you which lenders will accept which builder’s incentives in order that you can obtain the best possible deal.

We strongly recommend you speak with us before committing to buy a new build property as we can discuss your needs, establish your ability to borrow sufficient funds and secure you an outline agreement / decision in principle so you may commit to buy with confidence.

New English street view of modern detached houses

For more information about our Residential Mortgages services or to arrange a consultation, please contact us by telephone, email, or by completing the callback form.

Schedule an online appointment with us using our bookings page

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    Your home may be repossessed if you do not keep up repayments on your mortgage