Mortgages
Six doors, and what is behind each one.
A lender does not have one product with your name on it. It has criteria, and the criteria change completely depending on what you are trying to do. Find yourself below and you will get the honest version: what you need, what it costs, and what usually goes wrong.
Buying your first home
Lifetime ISAs, gifted deposits, guarantor options and the everyday spending habits that quietly sink a first application.
What you need
Moving home
Take the old deal with you or break it and start again. Chains, timing, and how to buy before you have sold.
What you need
Remortgaging
Coming off a fix, raising money against the house, or escaping the standard variable rate you were rolled onto.
What you need
Buy to let and investment
Standard lets, limited company SPVs, HMOs, holiday lets and portfolios. Judged on rent, not on your salary.
What you need
Self-employed and directors
Sole traders, limited company directors, contractors on day rates and CIS subcontractors. Lender choice is worth six figures here.
What you need
Credit issues
Missed payments, defaults, CCJs, a DMP or an IVA. Age and severity matter far more than most people expect.
What you needAlso arranged
The parts nobody warns you about.
A mortgage is only one line on the completion statement. We can put the rest of the moving parts in place too, so you are not chasing four companies at once.
Not all of these services are regulated by the Financial Conduct Authority.
Insurance and protection
Life cover, critical illness and income protection sized to the debt you are actually taking on, not to a sales target.
Conveyancing
Fixed-fee solicitor quotes from firms that are on your lender's panel, which stops a fortnight of avoidable delay.
Surveys and valuations
Level 2 homebuyer reports and full building surveys. On an older property this is the cheapest money you will spend.
Removals and wills
Vetted removal firms, and a will, because the day you own a house is the day not having one starts to matter.
Start here
Not sure which door you are at?
Describe your situation in a sentence and we will tell you which route fits, what it needs and whether it is realistic right now.
- The first conversation is free
- No credit check, no hard search
- A reply within one working day
Prefer to talk now? Call 0333 339 7301 or email [email protected].