First Time Buyer Or Next Time Buyer Mortgages

How much can I borrow? We are asked this a lot by our first time buyers. We will complete our fact find to establish how much you can borrow then find the best mortgage for you. We have access to thousands of mortgage deals up to 95% LTV as well as shared equity, shared ownership, right to buy and new home schemes, so you are sure to have an option suitable for your needs.

Our mortgage service is really simple. We provide face to face, telephone and zoom meetings to clients all over the UK. 

Our award-winning team of financial advisors will locate the most suitable mortgage deal for your needs. We will spend as much time with you as you need, in order to explain every step of the process and make the whole experience as easy as possible. 

Re-Mortgage

My mortgage deal is ending soon. Will my bank offer me a new mortgage deal? 

Having been advisors in the mortgage industry for the past 20+ years we have seen many changes to lending criteria, mortgage rates and much more. Our job is to review the whole of the mortgage market ahead of when your current mortgage deal ends so we can provide you with advice and recommendation to the most suitable mortgage product based on your needs and circumstances. Whether you have a repayment or interest only mortgage, you are an IT contractor or NHS worker, we will be sure to find you the right mortgage deal for your needs.

Our mortgage products will allow lending up to £10,000,000 on the high street and up to £25,000,000 through our private banks. Ask us about our high networth lending proposition.

YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU RE-MORTGAGE.

Buy To Let Mortgages

Landlords have experienced a lot of changes over recent years with the government having changed the landlords taxation policy and removing the benefit of mortgage interest relief as well as reducing the capital gains tax allowance which has impacted on investors selling their property portfolio. This means that BTL investors need more mortgage advice than ever. Rental income expectations are higher than ever and speaking to a qualified mortgage broker gives you the benefit of understanding what the lenders expectations are with the rental income stress tests, EPC ratings and tenancy types.

From professional tenants to HMO to air bnb mortgages, we have access to a comprehensive range of BTL mortgage deals that would suit your needs. Limited company BTL mortgages have also been growing in popularity over the years and so we will be happy to work with your accountant to provide the information they require to help you make the right investment decision.

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE MOST FORMS OF BUY TO LET MORTGAGE AND TAX PLANNING.

Tax treatment is based on individual circumstances and may be subject to change in the future.

Large Mortgage Loans - High Net Worth

Million pound mortgages are complex and this is why we have access to a plethora of private, high street and specialist mortgage lenders who can offer a bespoke service to our client base seeking lending at £1,000,000 and above. Over the last 19 years we have a proven track record of placing large mortgage loans on properties in various prestigious locations throughout the UK; Clifton, Chelsea, Wimbledon are to name but a few. Our advising team offer a bespoke premium mortgage service  to our HNW and UHNW clients around the UK for lending up to £25,000,000.