Residential Mortgages
There’s no one-size-fits-all mortgages. Get the right loan for you
Mortgages come with many variables, whether you’re remortgaging, buying, managing complex income, seeking a large loan, or purchasing an unusual property. But with the right lender, there’s a solution for every need.
Our expert brokers take the time to fully understand your situation and sift through thousands of mortgage options to secure the best loan for you.
With established lender relationships, we can offer exclusive products, lower rates, longer terms, or higher loan amounts tailored to your needs.
Whether you’re purchasing your first property, moving up the ladder, or exploring a remortgage, we guide you every step of the way.
Expert help with residential mortgages
We take time to understand your needs
Access exclusive, restricted products
Support for complex income & unique property types
FAQs on residential mortgage options
Ready to buy or remortgage? Whether you’re buying your first home or refinancing, understanding your options can help you move forward with confidence.
What is the difference between a residential mortgage and a buy-to-let mortgage?
Can I get a mortgage for a property in poor condition?
Traditional residential mortgages may not apply, but you can explore bridging loans or refurbishment mortgages for properties requiring significant work.
What deposit is typically needed for a residential mortgage?
Most lenders require a deposit of at least 5–10% of the property’s value, but this can vary depending on the product and your credit profile.
How is affordability assessed for residential mortgages?
Lenders assess your income, outgoings, and credit score to calculate how much you can borrow. They’ll also stress-test your ability to make repayments if interest rates rise.
Can I get a mortgage if I’m self-employed or have irregular income?
Yes, but it may require additional documentation such as tax returns or accounts. We specialise in helping clients with complex income get approved.
What happens if I can’t make mortgage payments?
Can I rent out my home if I have a residential mortgage?
You must inform your lender and may need to switch to a buy-to-let mortgage or obtain a “consent to let” agreement.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Short Term & Bridging Finance
Fast, flexible funding to bridge gaps in property transactions, renovations, or urgent finance needs with quick completion.
Commercial Finance
Secure business property purchases, refinancing, and investment opportunities with tailored commercial lending solutions and expert guidance.
Buy-to-let Mortgages
Maximise rental yields with specialist buy-to-let solutions tailored to experienced and first-time property investors.
Business Insurance
Helps your business stay secure if a senior team member is lost or unable to work and protects each partner’s share in the company.
Development Finance
Fund your property development projects with structured finance solutions covering land acquisition, construction, and project completion.
Refurbishment Finance
Transform properties with specialist renovation funding, offering flexible draw-down facilities aligned to your refurbishment schedule.
Short Term & Bridging Finance
Fast, flexible funding to bridge gaps in property transactions, renovations, or urgent finance needs with quick completion.
Business Insurance
Helps your business stay secure if a senior team member is lost or unable to work and protects each partner’s share in the company.
Residential Mortgages
Secure competitive rates and flexible terms for your home purchase with our expert guidance and market knowledge.
Buy-to-let Mortgages
Maximise rental yields with specialist buy-to-let solutions tailored to experienced and first-time property investors.
High Value Mortgages
Exclusive lending solutions for premium properties, offering bespoke terms and competitive rates for substantial borrowing requirements.
Short Term & Bridging Finance
Fast, flexible funding to bridge gaps in property transactions, renovations, or urgent finance needs with quick completion.
Stamp Duty & Mortgage Calculator
Calculate your property costs accurately with our comprehensive tools, ensuring informed decisions and proper financial planning.
Property Insurance
Protecting your home's structure, belongings, and rental income from fire, theft, storms, and tenant issues.
Equity Release
Unlock property wealth in retirement with specialist equity release solutions designed to enhance your financial flexibility.
Residential Mortgages For Older Borrowers
Specialist mortgage solutions for over 55s, offering flexible terms and competitive rates tailored to later-life.
Property Insurance
Protecting your home's structure, belongings, and rental income from fire, theft, storms, and tenant issues.
Property Insurance
Protecting your home's structure, belongings, and rental income from fire, theft, storms, and tenant issues.
Business Insurance
Helps your business stay secure if a senior team member is lost or unable to work and protects each partner’s share in the company.
Family Insurance
Includes financial support for your loved ones if you pass away, a lump sum for serious illnesses like cancer or stroke, regular income if you can't work, and cover for your child's critical illness so you can focus on their care.
Find the perfect mortgage for you
Looking for the best mortgage? Our experts take the time to understand your needs and source the most competitive terms, whether you’re a first-time buyer or remortgaging. Get in touch with our team now.
