
Mortgages
Looking to buy your first home, remortgage, or explore buy-to-let options? Our expert team is here to guide you through the process with tailored advice and competitive rates.
WHY US?
Tailored Advice
Receive personalised mortgage solutions designed to suit your financial goals ensuring the best fit for your circumstances.
Wide Range of Options
Access a diverse selection of mortgage products, from fixed-rate to variable, giving you the flexibility to choose what works best for you.
Expert Guidance
Our team of experienced mortgage advisors will guide you through every step, simplifying complex processes and ensuring clarity.
Competitive Rates
We work with a wide network of lenders to secure the most competitive rates, saving you money over the lifetime of your mortgage.
Ongoing Support
Even after your mortgage is secured, we provide ongoing assistance to help you manage changes, refinance, or explore new opportunities.
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A mortgage allows you to achieve homeownership, giving you the financial foundation to create a stable and secure environment for you and your family. Explore your options and make your dream home a reality.
Mortgages are a powerful financial tool that can help you achieve property ownership, build equity, and secure your financial future. Whether you're a first-time buyer, looking to refinance your current mortgage, or investing in additional properties, we’re here to guide you through the entire process. Our expert team offers tailored mortgage solutions designed to fit your unique circumstances, ensuring that you make informed decisions at every step. With access to a wide range of products, including fixed-rate, variable, and buy-to-let mortgages, we provide flexibility and competitive rates to help you find the best option for your needs. Let us simplify the process and support you in securing your home or investment with confidence.
When choosing a mortgage, it’s important to understand the different types available, as each offers unique benefits depending on your financial goals and circumstances. Here's an overview of the most common mortgage options:
Fixed-Rate Mortgages
Fixed-rate mortgages offer stability by locking in an interest rate for a set period, usually 2, 5, or 10 years. This means your monthly payments remain the same throughout the fixed term, providing peace of mind against rising interest rates. This type is ideal if you prefer predictability and want to budget without the risk of fluctuating payments.Variable-Rate Mortgages
With variable-rate mortgages, your interest rate can change during the term of your loan, typically in response to changes in the Bank of England’s base rate. While this means your monthly payments can vary, it can offer potential savings if interest rates decrease. This type is suited to borrowers who can handle some fluctuation and want to take advantage of lower rates when they occur.Tracker Mortgages
Tracker mortgages are a type of variable-rate mortgage that “tracks” the Bank of England’s base rate, usually at a set percentage above it. As the base rate changes, your mortgage rate adjusts accordingly. This means you’ll benefit from lower rates when the base rate falls but also face higher payments if the base rate rises. Tracker mortgages are ideal for those who want to closely align their mortgage rate with market conditions.
Discounted-Rate Mortgages
Discounted-rate mortgages offer a temporary discount off the lender’s standard variable rate (SVR). This discount can last for a specific period, often 2-5 years, after which the rate reverts to the SVR. A discounted-rate mortgage is great for those who want lower initial payments but are comfortable with potential increases after the discount period ends.Interest-Only Mortgages
With an interest-only mortgage, you only pay the interest on the loan during the term, which can lower your monthly payments. However, the principal loan amount remains the same, and you will need to pay it off in full at the end of the term, often through a separate investment plan. These are typically suitable for experienced property investors or those with a clear strategy for repayment.
Buy-to-Let Mortgages
If you're purchasing property to rent out, a buy-to-let mortgage is designed specifically for landlords. These typically have higher interest rates and different criteria than standard residential mortgages, and repayments are usually based on the potential rental income of the property. This type is ideal for those looking to build a property portfolio and generate rental income.Each type of mortgage has its own advantages, so it's crucial to assess your financial situation and long-term goals to determine the best fit for you. Our team can help you understand all options and guide you towards the most suitable solution for your needs.
The size of the deposit you need for a mortgage depends on several factors, including the type of mortgage you’re applying for and the lender’s requirements. Typically, the more you can contribute upfront, the better your mortgage terms will be.
For a standard mortgage, most lenders require a deposit of at least 5% to 10% of the property’s value, though a higher deposit can unlock more favourable rates. First-time buyers may benefit from special schemes that lower the deposit threshold, such as the Help to Buy scheme, which could allow you to put down as little as 5%.
Keep in mind that the size of your deposit also influences your Loan-to-Value (LTV) ratio — the higher your deposit, the lower your LTV, which can result in better interest rates and lower monthly payments. A larger deposit can also help you avoid additional costs, like mortgage insurance, which may be required for higher-risk loans.
It's important to consider not just the deposit amount, but also associated costs like stamp duty, legal fees, and home surveys, as these will also need to be factored into your budget. Working with an expert mortgage advisor can help you understand your options and secure the best deal for your financial situation.
Remortgaging is the process of switching your existing mortgage to a new deal, either with your current lender or a different one. It’s an option you can consider to secure a better interest rate, reduce monthly payments, or release equity from your property.
You might want to remortgage if your current deal is about to end, as lenders often increase rates after an initial fixed or discounted period. Switching to a new mortgage deal could help you avoid higher interest rates and reduce your overall costs.
You can also consider refinancing if your financial situation has improved, allowing you to qualify for better terms, or if interest rates have dropped. Additionally, refinancing may help you consolidate debt or release cash for home improvements or other investments.
Remortgaging can be a smart way to save money or adjust your terms, but it’s important to weigh any associated costs, such as early repayment charges or arrangement fees. Working with a mortgage advisor can help you assess the best time to remortgage and guide you through the process to find the most beneficial deal.
Our Team

Oliver Barat
Financial Adviser

Matthew Leadbetter
Financial Adviser

Gar-Lok Lau
Financial Adviser

Luke Kalsi
Financial Adviser

David Buckingham
Financial Adviser
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Ian Prideaux
Financial Adviser

Satwinder Thind
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Alice Howard
Office Manager

Jeanette Davis
Support Consultant