My Mortgage
Residential Mortgages
First-time buyers, home movers, complex income — we find the right deal.
Typical LTV
Up to 95% — 5% deposit accepted
Repayment types
Repayment or interest-only, subject to lender criteria
Fixed rate terms
2, 3, 5 & 10 year — tracker rates also available
Lenders searched
60+ — high street & specialist
What we help with
Whatever your situation, there's a route to your home
- First-time buyer mortgages, including Help to Buy and Shared Ownership
- Home mover mortgages — port your deal or find a better one
- Self-employed applicants and complex income structures
- Joint mortgage applications including unmarried couples
- Adverse credit considered — access to specialist lenders
- New build properties and off-plan purchases
Good to know
Frequently asked questions
Most lenders allow 4–4.5x your annual income. Some specialist lenders go higher depending on profession. We'll give an accurate figure once we've assessed your finances.
There's no single score required — every lender has different criteria. We have access to lenders who specialise in adverse credit cases.
A Decision in Principle can often be obtained within 24 hours. A full mortgage offer typically takes 2–4 weeks.
Yes — you'll need a conveyancing solicitor to handle the legal transfer of the property. We can refer you to trusted solicitors we work with.
Get residential mortgage advice
Free consultation — no obligation.
Your home may be repossessed if you do not keep up repayments on your mortgage.