Expert advice
Mortgage decisions can feel complicated. This page gives you a straightforward starting point, with personal advice available when you are ready to discuss your circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The fee is up to 1%, but a typical fee is £495.
Whether it is your first purchase or a move to your next home, the process starts with understanding your budget, deposit and likely costs. We can help you establish what may be achievable before you start making offers.
When you are ready, the advice process considers your circumstances, priorities and suitable mortgage options before an application is submitted.
Discuss buying a homeIf your current deal is ending, it can be helpful to review the available options in good time. This may include a new deal with your existing lender or a remortgage to another lender.
Where you want to raise funds, the purpose of the borrowing, affordability, property value and overall costs will all need to be considered.
Discuss remortgagingLandlord borrowing can involve different rental calculations, deposit requirements and lending criteria. Advice is available for individual landlords, portfolio cases and limited-company or SPV applications.
Tax treatment is outside the scope of mortgage advice, so independent tax advice may also be appropriate.
Discuss buy to letA mortgage may need attention when relationships, income, property plans or living arrangements change. We can help you explore options such as a product transfer, further advance, transfer of equity or consent to let, subject to lender requirements.
The right route depends on your full circumstances and the terms of your existing mortgage.
Discuss your circumstancesA mortgage is a long-term financial commitment. Protection advice can help you consider how life insurance, critical illness cover or income protection may support you and your family if something unexpected happens.
Any recommendation should reflect your needs, priorities, budget and existing arrangements.
Discuss protectionPersonal advice
Book a conversation with us to discuss the details and understand the next steps.
Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The fee is up to 1%, but a typical fee is £495.