First-Time Buyers
Navigating your first property purchase with expert guidance every step of the way. We explain the process clearly and find the right mortgage for your budget and deposit.
First-time buyers, home movers, remortgages and the cases that do not fit the standard high-street template. Self-employed income, complex structures, adverse credit. Whole-of-market access and an honest view of what is possible.
Going directly to a bank means seeing just one lender's products. As a whole-of-market broker, we search thousands of mortgage products across the entire market, including specialist lenders you can't access directly, to find the right deal for your circumstances.
We compare thousands of products across the full market, high street banks, building societies and specialist lenders.
Self-employed, contractor income, adverse credit, unusual property types, we know which lenders to approach.
We manage your application end-to-end, from sourcing and recommendation through to offer and completion.
We monitor your mortgage and contact you before your fixed rate ends, so you're never stuck on an expensive revert rate.
From first-time buyers taking their first steps on the property ladder to experienced landlords building a portfolio, we arrange residential mortgages for all circumstances.
Navigating your first property purchase with expert guidance every step of the way. We explain the process clearly and find the right mortgage for your budget and deposit.
Upsizing, downsizing or relocating? We find the right mortgage for your next home, whether you're porting your existing deal or starting fresh with a new lender.
Switching to a better deal at the end of your fixed rate. We search the whole market to find a more competitive rate and manage the switch with minimum hassle.
Purchasing or refinancing a rental property, assessed on rental income and yield. We access specialist BTL lenders for both individual landlords and portfolio investors.
Houses in multiple occupation require specialist HMO lenders who understand licensing requirements and apply the right rental income calculations. We know exactly who to approach.
Self-employed, contractors, directors, multiple income streams or irregular pay. We work with lenders who assess income sensibly and get mortgages approved where others can't.
We gather information about your income, outgoings, deposit and property goals to establish your maximum borrowing and identify the right lenders for your circumstances.
We search across 4,000+ mortgage products from the whole market, including specialist lenders, to identify the most suitable and competitive options for your situation.
We present our mortgage recommendation with a full Key Facts Illustration so you can see the total cost clearly before making any commitment.
We compile your application, gather all required documents and submit to the lender. We manage every query and chase the lender until a formal mortgage offer is issued.
Once the mortgage offer is issued, we liaise with your solicitor to ensure a smooth path to exchange and completion, keeping you informed at every stage.
Most high street lenders will advance between 4 and 4.5 times your gross annual income. Some specialist lenders will go up to 5 or even 5.5 times income for professionals or those with strong income profiles. The exact amount also depends on your outgoings, credit history, deposit size and the lender's affordability assessment. We run affordability checks across multiple lenders to maximise your borrowing.
The minimum deposit for a residential mortgage is typically 5% of the purchase price for first-time buyers. However, the best interest rates are generally available at 75–80% LTV (25% deposit), with rates improving at each LTV tier. A larger deposit gives you access to a wider range of lenders and significantly lower monthly payments.
A fixed rate mortgage locks your interest rate for an agreed period, typically 2, 3, 5 or 10 years, giving you certainty over your monthly payment regardless of what happens to interest rates. A tracker mortgage follows the Bank of England base rate, meaning your monthly payment moves up or down in line with base rate changes. Fixed rates offer security; trackers offer flexibility and can be cheaper if rates fall.
Yes, self-employed applicants can absolutely get a mortgage, though the process is slightly different. Most lenders require 2 years of accounts or SA302 tax calculations. Some specialist lenders will accept just 1 year of trading history for strong cases. We know which lenders are most flexible for self-employed borrowers and how to present your income in the most favourable light.
At the end of your fixed rate term, you'll automatically move onto your lender's Standard Variable Rate (SVR), which is typically significantly higher than your fixed rate and can cost hundreds of pounds more per month. We proactively contact our clients before their fixed rate ends to search the market and remortgage onto a competitive new deal, preventing the SVR revert entirely.
Yes, specialist and adverse credit mortgage lenders consider applicants with CCJs, defaults, missed payments, debt management plans and even previous bankruptcy. The key factors are the severity of the credit issues, how old they are, and whether they've been satisfied. We work with lenders who specialise in adverse credit cases and will assess your situation honestly and without judgement.
Comparison sites work for the simplest cases. Most clients we see do not have the simplest cases. Here is how we approach yours.
Thousands of products across high street, building societies and specialist lenders, including broker-only deals you cannot reach directly.
Self-employed, contractor, director with retained profits, multiple income streams. We know which lenders read accounts the way they should be read.
If a high-street deal beats specialist on the numbers, we say so. If your case needs a specialist lender to get over the line, we say that too. The right deal beats the headline rate every time.
Deposit tiers, income multiples, government schemes, and the step-by-step process from AIP to completion.
How to avoid the SVR trap, when to start looking, how much you could save, and how the process works.
Income multiples, stress testing, what increases or limits your maximum mortgage, and how to get the best result.
Calculate monthly repayments or find out your estimated borrowing. Instant results, no personal data required.
Answer 5 quick questions and we will give you a realistic view of what your situation actually allows, and what to expect from a conversation with us.
A few quick questions about your situation. We come back with a realistic view of borrowing, lender fit and the trade-offs.
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