Getting a mortgage can be a challenging and complicated process.

That’s why having regular access to expert guidance and support from people you know you can trust takes a real weight off your shoulders.

Our aim is to provide you with professional and expert knowledge of the market as well as excellent customer service. We’ll be on hand to support you every step of the way. 

We’re committed to helping you fully understand the broad range of options available to you so that you can work with us to make an informed decision about the product that is most suited to your needs.

If you, like many of our clients, prefer the personal touch then you can chat to an advisor either in person or on the phone. Either click below or give us a call to arrange an appointment with one of our experts.

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Do you have the best mortgage deal available? Remortgaging can save you thousands with better interest rates, raise equity for other expenses, and help consolidate your finances…

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Whether you have a large property portfolio or you’re thinking about becoming a landlord for the first time, our buy-to-let experts can help you optimise your mortgage and investment.

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High Value Borrowing

We have a specialist business unit for high value mortgages, providing the insights, relationships and expertise to add maximum value for our clients.

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First Time Buyers

Buying your first home can be a very exciting and somewhat daunting experience which is why it’s important to get the right advice from the very start.

There are many different mortgage products to choose from so it’s important to get the solution that best meets your needs.

To help you to make the right decision we have put together our top tips and frequently asked questions for first time buyers:  

  • How much can I borrow?
    It’s important to be realistic when working out how much you can spend on your new home. A budget planner will help to ensure your mortgage is affordable. 
  • How much deposit will I need to put down?
    When choosing a mortgage, you can see which deals you might qualify for based on the size of the deposit you have by looking at what is known as the mortgage ‘loan to value’ (LTV). For example, if you are looking to buy a property valued at £100,000 and have a £5,000 deposit you will be looking to borrow 95% of the property value. Typically the more deposit you have to put down the better the mortgage rates will be.  Read our blogs for more guidance – How to save for a house deposit and What is a 95% mortgage?
  • Have you considered any extra costs?
    Even a newly built house will require some extra costs such as furnishings, whereas older properties may require extensive work such as re-flooring, tiling or renewing the wiring. These should all be considered alongside the purchase price and fees such as conveyancing and stamp duty. 
  • Know what to look for when viewing properties
    Always take an experienced home buyer with you when viewing properties as there may be important details you may not spot.
  • Household Budgets
    If you have been used to living at home with your parents, remember to budget for expenses such as council tax, gas and electricity bills, boiler servicing, and other home repairs.
  • Council Tax Charges
    Make sure you know what the likely council tax charge will be in your new property. The selling agent should be able to tell you what tax band the house you are interested in buying is in and how the charges are levied by your local authority.

Remember, a mortgage is a long term commitment and there are lots of different products available, so it is important you get the right solution for you.

Call our experts today for more information

Home Movers

When moving home, finding the right mortgage and arranging it quickly is essential.

Our expert advisers ensure you get the best deal that’s right for you and also help you:

  • Discover how much you could afford to borrow and the fees you will pay
  • Source the best options from the market and not just your current lender
  • Work out how much your monthly mortgage payments are likely to be

Don’t forget the importance of impartial advice!

You may be tempted to go back to your existing lender, however, it is important to remember they will only be able to tell you about their own mortgage products. There could be a better option for you with another lender potentially saving you money.

Call us today to find out more.