Residential Mortgages
First-time buyers, home movers, complex income — we find the right deal.
Whatever your situation, we have a solution
- First-time buyer mortgages, including Help to Buy and Shared Ownership
- Home mover mortgages — port your deal or find a better one
- New build properties and off-plan purchases
- Self-employed applicants and complex income structures
- Joint mortgage applications including unmarried couples
- Adverse credit considered — access to specialist lenders
- Non-UK Nationals & Foreign Deposits
- Plus many other circumstances - contact us to see how we can help. If it's possible, we can do it.
Frequently asked questions
All lenders calculate how much they will lend in different ways based on your income and expenditure and the differences in their maximum lending can be considerable from lender to lender. Some of the specialist lenders we have access to will allow you to borrow up to 6.5 x your income. We can give you a certificate to accurately confirm how much you're able to borrow from across the whole market, rather than just one lender, and tailor this to your particular financial circumstances
We will provide a detailed explanation of all fees you need to set aside money for on top of your deposit e.g. Stamp Duty, Conveyancing, Surveys, Broker fees, Arrangement Fees and any potentially Early Repayment Charges on your current mortgage.
There's no single score required — every lender has different criteria. We have access to lenders who specialise in people who have experienced past credit issues or have complex income.
Timescales vary from lender to lender and on individual circumstances, but we will get your offer out as quickly as possible and your dedicated personal assistant will keep you fully updated at every step of the process.
Yes — you'll need a conveyancing solicitor to handle the legal transfer of the property. Currently, in the UK, the average time for a property purchase to complete is typically around 5 months, making it imperative that you choose the right solicitor. We can refer you to established and 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.