Mortgage advice for real situations. not textbook ones.
Buying your first home, remortgaging, building a portfolio, or self-employed. We work the whole UK market to find the right deal for the case you have, not the case lenders wish you had.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT
KEEP UP REPAYMENTS ON YOUR MORTGAGE.
KEEP UP REPAYMENTS ON YOUR MORTGAGE.
WHAT WE ADVISE ON
The Right Mortgage For Your Situation.
We advise on every type of UK mortgage. Below are some of the most common cases we handle.Whatever your situation, we will work the whole market to find a lender that fits.
First-Time Buyers
From Agreement in Principle to keys in hand. We guide first-time buyers through deposits, schemes, and lender choice with a plan that actually fits your situation
✓ Agreement in Principle arranged quickly
✓ Help with government schemes (Shared Ownership etc.)
✓ Honest guidance on deposit requirements
✓ Full support from application to completion
Find out more →Remortgage
Your current deal ending soon? You could be overpaying. We review the whole market and switch you cleanly into a better rate before your fixed term expires.
✓ Rate comparison across the whole market
✓ Product transfer versus new lender analysis
✓ Capital raising options reviewed
✓ Seamless switch with minimal disruption
Find out more →Buy to Let
From your first investment property to your fifth. We advise landlords on rental yield, limited company structures, portfolio cases, HMO, and multi-unit lending.
✓ Rental yield and affordability assessment
✓ Limited company and personal name options
✓ Portfolio landlord specialists
✓ HMO and multi-unit guidance available
Find out more →Self-Employed Mortgages
Self-employed does not mean unqualified. We work with lenders who understand contractors, sole traders, dividends, and complex income from your first application.
✓ SA302 and account-based assessments
✓ One year of accounts considered
✓ Contractor day rate lending available
✓ Complex income structures handled
Find out more →These are some of the most common cases we handle. We advise on every type of UK mortgage. Whatever your situation, book a free call and we will tell you what is possible.
90+
Lenders on our panel
High Street Banks
Building societies
Specialist lenders
Private banks
Challenger banks
Why Use a Broker
Why not just go to your bank?
A bank can only sell you their own products. We access over 90 plus lenders to find the one that actually fits your situation, not the one that fits their sales target.
Whole of market access
We are not tied to any lender. Our only obligation is to find the right deal for your circumstances.
We Handle the Paperwork
From application to completion, we manage every step so you can carry on with everything else.
No Upfront Fees
We only charge on completion. If your mortgage does not complete, you do not pay a thing.
Complex Cases Welcome
Adverse credit, unusual income, non-standard properties. We work with lenders who say yes.
The Process
How It Works
Three steps. From first call to keys in your hand
1
Free first call
A 15 to 30 minute conversation to understand your situation, goals, and what you need from a mortgage.
2
Market Research
We search the whole market and present your two or three best options with clear costs and the reasoning behind each.
3
Application to completion
We submit your application, liaise with the lender, and stay with you all the way through to completion and beyond.
common Questions
Frequently Asked Questions
Straight answers to the questions we hear most often.
How much deposit do I need?
Most lenders require a minimum 5% deposit for residential mortgages. Better rates open up at 10%, 15%, and 25%. Buy-to-let mortgages typically require 20% to 25%.
Can I get a mortgage with bad credit?
Often yes. We work with specialist lenders who consider applications from clients with defaults, CCJs, and missed payments, depending on the circumstances and time since.
How long does the process take?
An Agreement in Principle can be arranged within 24 hours. A full mortgage offer typically takes 2 to 4 weeks depending on the lender and the complexity of the case.
Do you charge a fee?
We charge a broker fee which is only payable on completion. We will always be transparent about fees before you commit to anything.
I am self-employed. Can you help?
Absolutely. This is one of our specialisms. We work with lenders who understand contractors, sole traders, limited company directors, and dividend-led income structures.
What documents will I need?
Proof of ID, proof of address, three months of payslips or two years of accounts (one year considered in some cases), and three months of bank statements.
Get Started Today
Ready to find your right mortgage?
Book a free, no-obligation consultation. We will tell you honestly whether we can help and exactly what your options look like.
Book Your Free Consultation