Services

We are independent and use the whole of the market. We have vast experience of all types of mortgages and funding sources. We can also help you protect your home and family with a range of providers who will insure your lives, your income and your home and contents.

Mortgages can vary and we want to guide you through the process and advise you on the different aspects such as the type of mortgage, term, rate and repayments. We aim to support you from the initial discussion about what you can borrow right through to completion.  We also offer regular reviews of your circumstances to make sure your mortgage and protection needs are always met.

Residential

Whether you are buying your first home or planning to move we can help. You may want to stay where you are and just switch rates or borrow more to improve your home. We are here to guide you through the process, advising on the best way forward for you.

First time buyers

If you are looking at buying your first home, talk to us about what you can borrow and the potential costs. We can help you through the process and guide you to the most appropriate mortgage for your needs. We can assist with Help To Buy applications, Local Authority Right to Buy and shared ownership.

Moving home

Talk to us about the plans you have. We can help you find a new mortgage or port your existing one if you are already tied in with a lender.

Re-mortgage

You may have found that your existing mortgage rate is finishing and want help to find a new deal. We can do research on your behalf to help you achieve this.

Further advance

You can often borrow more against the value of your home to raise funds for a variety of reasons. Doing some improvements, capital raising for an onward purchase or even consolidating debts. Think carefully before securing debt against your home, your home may be repossessed if you do not keep up repayments on your mortgage.
Contact us for advice and guidance.

Staying with your existing lender

If you feel that you are happy with your existing lender, we can research their current rates and after discussion we can recommend a way forward and do the product transfer for you under advice.

Landlords

You may be buying your first investment property or adding to an existing portfolio but we can help you find the most appropriate mortgage depending on your circumstances.

Buy To Let

This is a more complex area of mortgages and we can assist you through the different types of mortgage and find the most fitting outcome for your needs. We can look at re-mortgaging your existing investment properties too. The Financial Conduct Authority do not regulate buy to let mortgages.

Let To Buy

Let to Buy is where you keep your existing home and let it out and buy a new residential home. This is great for those who want to start building a property portfolio or who need to move but do not want to sell their current home.

HMO (Homes of Multiple Occupation)

These are specialist mortgages for people who want to buy a home which will have individually let dwellings. They are licensed by the local authority. These are particularly popular in areas with a high student population.

Think carefully before securing debt against your home, your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority do not regulate buy to let mortgages.

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