Let us guide you through a wide variety of mortgage options, tailored to meet your unique needs. We work with leading lenders across the marketplace, offering competitive products, rates and solutions. Whether you're buying your first home, investing in property, or looking for a more flexible solution, we will work with you to find the solution.

Our mortgage offerings include, Mortgages for both employed and self-employed individuals, Buy-to-let options* and self-build mortgages, Mortgages for holiday homes in the UK or abroad*and Family Assistance plans to help parents or grandparents support their loved ones onto the property ladder. Through our network of financial experts, Expats** and commercial mortgages.

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Taking out a mortgage is a significant financial commitment, and it is usually the largest loan people will take on in their lifetime.

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For First-Time Buyers.
Taking your first step onto the property ladder? Or maybe you're a parent helping your child purchase their first home? We’ll help you find the ideal mortgage and manage the entire application process, making the experience smooth and stress-free.

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Understanding Your Options.
Navigating the world of mortgages can be overwhelming, but our qualified mortgage partners are here to simplify things. Whether you’re considering a fixed-rate, tracker, flexible, or offset mortgage, we’ll guide you through every option, ensuring you make an informed decision from start to finish.

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Remortgaging.
Looking to raise capital for home improvements, reduce your monthly payments, or take advantage of better rates? We’ll handle your remortgage application with ease, ensuring a seamless process from beginning to end.

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*Please note that commercial and some buy-to-let mortgages are not regulated by the Financial Conduct Authority.
**Expat mortgages are available subject to certain terms and conditions.

Your home or other property may be repossessed if you do not keep up repayments on your mortgage.

For inquiries about commercial mortgages and mortgages for holiday homes abroad, we’ll connect you with a trusted partner who specialises in these areas.

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We’re here to make the mortgage journey as simple, stress-free, and rewarding as possible.

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Repayment Mortgage.
A repayment mortgage is a great way to steadily pay off your loan. With this type of mortgage, you’ll make monthly payments towards both the capital you’ve borrowed and the interest. The goal is to pay off the full amount you owe, including interest, by the end of your mortgage term. Over time, this helps you build equity, and eventually, you’ll own your home outright.

 

Tracker Mortgage.
A tracker mortgage offers an interest rate that follows changes in the market. This rate is typically lower than a standard variable rate (SVR) mortgage, which makes it appealing when rates are low or expected to fall. However, if rates rise, your payments will go up, so it’s important to be aware of any changes.

 

Interest-Only Mortgage.
With an interest-only mortgage, your monthly payments only cover the interest on the amount you’ve borrowed—not the actual loan itself. The full loan amount is repaid at the end of the term. While this can give you lower monthly payments, you’ll need to have a solid plan in place to repay the capital when the time comes.

 

Variable Rate Mortgage (SVR)
A standard variable rate (SVR) mortgage means your interest rate can change over time, either up or down. After an initial fixed or tracker deal ends, your mortgage will likely switch to an SVR, and your monthly payments may go up or down based on the rate changes.

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Offset Mortgage.
An offset mortgage lets you link your current and savings accounts to your mortgage. The balances in these linked accounts may be used to offset the amount you owe on your mortgage, which could lower the interest you pay each month. It’s a great way to reduce your mortgage balance faster and save on interest.

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There are also other mortgage options available, such as: Discounted rate mortgages, Capped rate mortgages, Joint borrower/sole proprietor mortgages, and Flexible mortgages.

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What is a mortgage?

A mortgage is a type of loan specifically used to purchase real estate, such as a house or flat. When you take out a mortgage, you borrow money from a lender (usually a bank or building society) to buy the property. In return, you agree to repay the loan, with interest, over a set period of time, typically 15 to 30 years. The property itself serves as a first charge for the loan, meaning if you fail to repay the mortgage as agreed, the lender has the right to take possession of the property through legal processes.

Key elements of a mortgage include:

1. Principal: The amount of money you borrow to buy the property.

2. Interest: The cost of borrowing, expressed as a percentage of the principal. This is how lenders make a profit on the loan.

3. Repayment Term: The period over which you agree to pay back the loan, which can range from 10 to 40 years.

4. Monthly Payments: The regular payments you make to the lender, which usually cover both the principal ( Capital ) and the interest. Early in the mortgage term, a larger portion of your monthly payment goes toward paying off the interest, with more of your payment going toward the principal as time goes on.

5. Deposit: The upfront payment you make towards the property price. Typically, this is a percentage of the home’s value (e.g., 5%, 10%, 20%).

6. Charge or Capital: The property you purchase, which secures the loan. If you fail to repay the mortgage, the lender can take possession of the property to recover their money.