Mortgages
Practical, qualified mortgage advice for buying or remortgaging.
What this is
A mortgage is usually the largest financial commitment you will make. Whether you are buying your first home, moving, or coming to the end of a deal, the right advice can make the process clearer and less stressful.
What I can help with
- First Time Buyer Mortgages
- Home Mover Mortgages
- Remortgages
- Product Transfers
- Further Advances
- Second Charge Mortgages (Secured Loans)
- Individual Portfolio Landlord Mortgages
- Limited Company Portfolio Landlord Mortgages
- Buy To Let Mortgages
- Let To Buy Mortgages
- Adverse Credit Mortgages
- Self-Employed & Contractor Mortgages
- Shared Ownership Mortgages
- Shared Equity Mortgages
Common questions
How much can I borrow for a mortgage?
Lenders look at your income, outgoings, deposit and credit history, and each has different rules. As a CeMAP-qualified adviser I help you understand what you can realistically borrow and find a lender whose criteria fit your situation. Your home may be repossessed if you do not keep up repayments on your mortgage.
I'm self-employed — can I still get a mortgage?
Yes. Being self-employed or on a contract does not stop you getting a mortgage; it just means lenders assess your income differently. I know which lenders take a sensible view of self-employed and contractor income and help you present your case well.
When should I start looking at a remortgage?
It is usually worth reviewing around six months before your current deal ends, so there is time to arrange a new rate and avoid slipping onto a lender's higher standard variable rate. I can look at whether staying put or moving lender works better for you.
Not sure where to start?
You don’t need to have it all figured out. Get in touch for a free, no-obligation conversation and we’ll work out the right next step together.