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Our mortgage advisors can help with all types of mortgages including…

Our mortgage advisors deliver the clear and practical advice you need

We are here to provide you with the most appropriate advice and relevant solution for your mortgage needs. We will compare rates from our panel of over 50+ Lenders to get the most suitable deal for you. As we are an authorised representative of Openwork, some of the rates we get from the Lenders are exclusive to us.

You want mortgage advisors that can help you save time and money. Supporting you every step of the way we’ll provide qualified and specialist advise that’s tailored to you.

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First Time Buyers

HM Revenue & Customs define a first time buyer as an individual or individuals who have never owned an interest in a residential property in the United Kingdom or anywhere else in the world and who intends to occupy the property as their main residence.

Lenders often offer special packages and rates to first time buyers, these sometimes include cash back, free legal services or free valuations. The packages and interest rates offered will vary from lender to lender, let us source the most appropriate lender and product to suit your requirements.

Moving House

We all know that moving house can be very stressful, as well as finding the right property, packing and organising your move you will need to consider your mortgage requirements.

Sometimes you can transfer your mortgage from your current property to your new property, this is known as porting your mortgage. A lot of mortgages are portable but will require your current lender to run their checks again to make sure that you still qualify for the mortgage, they will also need to carry out a valuation of the new property. You may also need additional borrowing to secure the new property.

Sometimes porting isn’t an option and moving home gives you the opportunity to look at new mortgage deals with different lenders. If you are still in your fixed rate period with your existing lender, you may have to pay an early repayment charge to move away from your existing product or lender.

We can help you navigate the different home mover options and find the right solution to get the finances in place for your new home.


A remortgage is the process of paying off one mortgage with a new mortgage on the same property. You would usually do this in order to secure a better rate, often because your current mortgage deal is coming to an end, you are currently on the standard variable rate or perhaps you want access to some of the equity in your property (see Capital Raising below).

We have access to mortgage deals from 50+ lenders, so speak to us about your remortgage and see how we can get your remortgage arranged for you.

Buy to Let

If you are buying a property and intend to rent it out then you will need a buy to let mortgage. Unlike a residential mortgage which is based on your personal income, typically the amount you can borrow on a buy to let mortgage is calculated based on the rental income of the property. The minimum deposit required for a buy to let mortgage is usually around 25% but can often be more depending on the rental income the property is likely to attract.

If you’re already a landlord or looking to get an investment property, we can help arrange a buy to let mortgage. Get in touch for some advice.

Capital Raising

If you want access to some of the cash (equity) in your property to use for something else such as home improvements, a holiday, deposit to purchase another property or debt consolidation. It’s usually easiest to do this at the same time as remortgaging so speak to one of our advisors and they will guide you through the process.

Adverse Credit

You may think that it is tough to get a mortgage when you’ve got a bad credit rating, however it may still be possible to get a mortgage even if you have bad credit history. We have the knowledge and access to specialist lenders who will take your circumstances into account. A lot will depend on the amounts involved and when it happened. For us to best consider your adverse credit mortgage, we recommend that you send us a copy of your credit reports so that we can see what the issues are and who best to approach. Please remember, time is a healer.

Mortgage Glossary

  • Fixed rate – Fix your rate for between 2 and 10 years so that you know exactly how much your monthly payment will be for that period of time
  • Variable rate – The interest rate is not fixed and typically the Lender will set their own Standard Variable Rate and can essentially change it whenever they like
  • Tracker rate – A type of variable rate that tracks the movements of another rate, typically in the UK this will be the Bank of England Base Rate
  • Capital Repayment – Your monthly mortgage payments are made up of both capital and interest so that at the end of your term you have paid off you mortgage.
  • Interest Only – Only pay off the mortgage interest on a monthly basis, be aware that you will still owe the full amount borrowed at the end of your term

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