Buying your first home can seem a daunting prospect.  As the largest single purchase you will have made to date, having a safe pair of hands to guide you through the process helps to ensure your journey onto the property ladder runs as smoothly and stress-free as possible.

The first important step is to understand exactly how much you can borrow. We recommend speaking to our team of experienced mortgage advisors before you even start to browse the property listings.  That way you know exactly the type of property you can afford as you start the exciting journey to your first home.

We offer an initial consultation and can provide you with a guide to your price range and would recommend arranging a mortgage in principle so you are ready to make an offer when you find that dream property.

As mortgage criteria is constantly changing, we always recommend speaking to one of our friendly local mortgage advisors prior to committing to your next move.

We can discuss your individual circumstances and arrange a mortgage in principle with one of the providers from our extensive panel that includes high street lenders as well as more specialist providers, so that when you find your dream property you are in the best possible position to proceed.

We understand that selling your current home and finding the right property can be a stressful process and we will be on hand to support you throughout the process, from beginning your search to picking up the keys to your new home.

The perception can be that buying a property as a business owner, company director or when self-employed is particularly difficult and stressful. 

Whilst lenders do have specific criteria around self-employed income, it is still possible to obtain a mortgage, as long as you meet their lending criteria.  We have considerable experience with helping the self-employed find the right lenders to meet their specific circumstances and a wide panel of lenders including high street names and specialist providers to work with.

 Our experienced team will be on hand to help you throughout the entire process. Get in touch today for a no obligation chat.

If your existing mortgage deal is coming to an end and your monthly repayments are likely to increase, it is worth having a chat with one of our experienced mortgage advisors as you may be able to reduce your monthly repayments by moving to a new provider.

Alternatively, perhaps you are looking to remortgage in order to release some of the value of your home to fund that dream extension, or to consolidate other borrowing? Our friendly, local team are here to help you understand how much you could borrow and find the most suitable product for your circumstances.  With a passion for fantastic service and going the extra mile you couldn’t be in better hands.

Think carefully before securing other debts against your home; your home may be repossessed if you do not keep up repayments on your mortgage

Whether you are looking to buy your first investment property or add to your existing portfolio, getting mortgage advice from an advisor with experience within this market can save you time, money and considerable stress.

Standard residential mortgages cannot be used to finance the purchase of an investment property – you will need to use a buy-to-let mortgage.  Our advisors have extensive expertise within this market as well as access to a range of lenders that offer products specifically for property investors, including those offering exclusive deals that you may not be able to access directly.

We are regularly referred by letting and estate agents to their clients as they recognise our expertise within this market and appreciate our proactive and personal service.

Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority

As a contractor with an irregular income pattern, you may believe that getting a mortgage will be difficult and that the process is a long and daunting one.  That doesn’t have to be the case.  Getting the right help and support from the outset can significantly help not only the outcome, but the journey you take to get there.

Our team are on hand to provide expert guidance and support on mortgages for contractors.  They understand that lenders will want to see 2-3 years of accounts or tax returns and what can be included when calculating income for the purpose of getting a mortgage.

Seen as a higher risk to most lenders, our team of specialist mortgage advisors can help and advise you on the best route forward and have access to specialist lenders within its extensive panel that can help.