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Our Mortgage Services

We are able to provide specialist advice in the following areas:

(Click an option below to see more)

First Time Buyer
Purchasing A Property
New Build
Help To Buy
Bridging Finance
Buy To Let
Buy To Let Portfolios
Limited Company Buy to Lets
Shared Ownership
Holiday/Second Home
Equity Release

First Time Buyer (FTB)

Buying a house is one of the most important purchases you will make in a lifetime and buying your first home can be even more daunting, therefore getting the right mortgage advice at this stage is of paramount importance. So, if you have just started looking for your dream home, our team of Advisors can guide you through the whole process. Let us do all the hard work for you allowing you to concentrate on finding your new home.

Purchasing A Property

Often Estate Agents will want to see that your mortgage has been approved before accepting an offer. So let us put you ahead of the competition by having an Agreement In Principle (AIP).

Our team of Advisors will help you from your initial enquiry through to getting the keys for your new home.

New Build

It is essential that you get advice from a Broker who fully understands the New Build market. Our Advisors have worked in the New Build arena for nearly thirty years and have the knowledge and expertise to guide you through the process. Usually time is of the essence and of paramount importance as Builders often require an exchange of contracts within 28 days.

You may also be buying off plan as the property may not be available for several months. Most lenders mortgage offers expire within six months so dealing with a Broker who has experience in the New Build market is essential.

Help To Buy (HTB)

The Government Help to Buy Scheme is there to help you buy a new build home with as little as a 5% deposit. However, you must buy your new home from a registered Help to Buy Builder and consequently there are various rules that apply for example, this must be your only home and you cannot let it out.

Our qualified advisors can guide you through the process. They have extensive knowledge regarding the scheme and are aware of which lenders are part of it. Not all Lenders offer the scheme and not all deals or rates are available so choosing the right scheme can be very complex.


Is your current mortgage competitive? Gone are the days where people just go back to their own lender because it was easier. With the complexities of the mortgage market deals are constantly changing so your existing lender may not provide the best rate for your current circumstances.

Find out when it is the right time to switch your mortgage and if remortgaging can save you some money. We will search the majority of the market on your behalf to find the right mortgage product for you.

We aim to make clients lifelong clients as we will endeavour to contact you several months prior to your scheme end if we have your consent to do so.

Bridging Finance

Bridging Finance is taken out when funding is required at short notice.

The most common uses are to:

Purchase a property before completion of the sale of another property

Fund the purchase of a property in need of refurbishment which is possibly unmortgageable in its present condition. The property could then possibly be refinanced when all the works are completed.

The list goes on but the two real elements are when funding is required at short notice and for a short period of time.

Buy To Let (BTL)

Whether you are investing in a buy to let property for the rental income or for the potential capital appreciation, choosing the right buy to let mortgage is essential.

Considering a buy to let is a big decision. Not only is it important to get a good interest rate but there are lots of other things to think about. Good rental income, the type of property that will attract the best tenant, the location, will you manage the property yourself, the legal requirements when renting out a property plus many more things to consider.

It is fraudulent to either let out a property whilst only paying for a residential mortgage without the lenders consent or to live in a property that you told the lender you will be renting out.

Whether you are a first time landlord or have a sizeable portfolio, our experienced Advisors have the knowledge and expertise to guide you through the whole process.

Buy To Let Portfolios

Lenders class a Portfolio Landlord as someone with four or more properties. Our Advisors have a lot of expertise in this field and can review your whole portfolio.

Limited Company Buy To Lets

Looking for the best mortgage for Limited Company buy to let properties, let our team of experts assist you by reviewing your portfolio.

Shared Ownership

Shared Ownership Mortgage Schemes are Government Incentives backed by Developers and Housing Associations in order to provide high quality affordable housing for First Time Buyers (FTB) and Key Workers.

Shared Ownership enables you to buy a share of between 25% and 75% of your property’s value. The remaining percentage of the property is owned jointly usually with a Housing Association or Developer. They charge you a rent for the section you do not own. You can then purchase a larger share later on when you can afford it.

Nowadays it is very difficult for anyone to get on the property ladder. Cash strapped FTB’s with expensive rents and large student debts make it very difficult to save a deposit, so Government Schemes like the Shared Ownership ones can help by reducing the deposit you need.

Shared Ownership is a niche area of finance that not all mainstream mortgage lenders offer products for, so it is important to talk to one of our advisors who are well versed in Shared Ownership.

Holiday/Second Home

Whether you are looking to purchase your holiday/second home or are you looking to buy a property for a relative to live in. We can explore all the options and give you the advice you need.

Equity Release and Later Life Mortgages

We can give advice on mortgages for the over 55’s and Equity Release finance which is a growing market especially in the current economic climate. Click here for more information.

Typical documents that a lender may require in order to assess your application


Affordability Assessment

  • Passport

  • Drivers Licence​

  • Utility Bill (Dated within 3 months | Mobile bills not acceptable)

  • Latest Council Tax Bill

Income - Employed

  • Bank Statements  - Up to 3 months (all pages) that show your usual direct debits

  • Credit Card Details - Who with and amount outstanding

  • Loan Details - Who with, amount outstanding and monthly payment

  • Details of any other significant outgoings e.g. maintenance, school fees etc

NB: Each lender conducts their own affordability calculation so it is essential to ensure that all outgoings are declared and that they are accurate and reasonable.

  • P60 - The most recent

  • Latest Payslips - Up to 3 months or 16 weeks consecutive

  • Bank Statements - Up to 3 full months (all pages) that shows your income from your payslips being credited.

NB: ​You may be asked to provide historical P60’s and Payslips should you need to use bonus, commission and other income payments that you receive through the year.

Income - Self-Employed


  • Bank/Savings/Investment Statements - To show the funds in your personal accounts.

  • Gifted Deposit - A signed letter from the person making the gift may be required.

Other Documentation

  • Latest Mortgage Statements - if you currently own property

  • Credit Report - from Experian, Equifax or Call Credit - only if you have this easily available.

NB: If you have recently repaid a mortgage (within the last 18 months) then you may need to provide details of that mortgage.

Up to 3 years of the following:

  • Company Accounts - Signed by both you and your accountant

  • Personal Tax Calculations (SA302)

  • Personal Tax Year Overviews​

NB: If you don’t have an accountant then you can obtain the Tax Calculations and Tax Year Overviews online from HMRC. Some lenders require the latest set of accounts to be dated within the last 12 months.

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