Services
Everything we arrange, and who each one is for.
A mortgage to buy or refinance, a bridging loan to fund an auction purchase, a scheme that gets you into a new build sooner, or a look at cover you already hold. The starting point is the same conversation, and it costs you nothing.
110+
lenders on panel, high street to specialist
£0
broker fee, on every one of these
1
named adviser, first call to completion
5.0
from 54 Google reviews
Start with where you are.
Four situations cover almost everyone who calls us. Find yours, and the page underneath explains what happens next.
01
You are buying a home
First one or fourth, the lender asks the same questions. We answer them before they do, and tell you honestly if waiting a few months would produce a better result.
Getting on the ladder
First time buyers
You are only a first-time buyer once, and the process assumes you already know how it works. You do not have to.
- What you can realistically borrow
- How to get mortgage-ready before you apply
- Shared ownership, Lifetime ISAs and gifted deposits
First time buyers →
Moving home
Purchase
The standard mortgage you need to buy a home or move to a new one, arranged across the whole panel rather than one lender's range.
- How much you can borrow on today's income
- Whether porting your existing deal beats a new one
- Timing it against the end of your current product
Purchase mortgages →
02
You already have a mortgage
Left alone, a mortgage rolls onto the lender's standard variable rate — usually the most expensive rate they offer. Six months before your deal ends is the time to look.
Deal coming to an end
Remortgage
Moving your mortgage to a different lender — for a better rate, more flexibility, or to borrow against a home that has gone up in value.
- Your current deal is ending, or rates are moving
- You want to borrow more, or overpay
- Your home has increased in value since you bought
Remortgaging →
Staying put
Rate switch
Staying with your existing lender on new terms. Faster and lighter on paperwork than a full remortgage — when it is genuinely the better deal.
- Fix for two, three, five or ten years
- No new valuation and usually no legal work
- Checked against the rest of the panel first
Rate switches →
03
You are investing, or it is not straightforward
High-street criteria are written for the average applicant. If you are not one, that is not a verdict on you — it is a reason to talk to a different set of lenders.
Investing
Buy to let
Purchases and remortgages for a first rental property or a growing portfolio, personally held or through a limited company.
- How much you can borrow against expected rent
- Your obligations, and the real running costs
- Eligibility checked before you apply
Buy to let →
When the high street says no
Specialist lending
Lenders who price a case on its facts rather than on a tick-box. Unusual properties, complex income, adverse credit, bridging and auction finance.
- Self-employed, contractors and company directors
- Adverse credit, or income from several sources
- Later-life borrowing and lending into retirement
Specialist lending →
04
You are buying for a business, or need short-term finance
Business premises, let commercial property and loans that bridge a gap are underwritten on different terms from a home mortgage. We arrange both, and tell you plainly what each will cost.
Business and investment
Commercial mortgages
Mortgages for a business buying its own premises, investors buying let commercial property, and mixed-use buildings such as a shop with a flat above.
- Owner-occupied and investment purchases
- Semi-commercial and mixed-use property
- Refinancing and raising capital
Commercial mortgages →
Short-term finance
Bridging finance
Short-term loans that cover a gap, repaid by a sale or a longer-term mortgage. Regulated and unregulated, for homeowners and investors.
- Chain breaks and buying before you sell
- Auction purchases and refurbishment
- A clear exit plan agreed from the start
Bridging finance →
05
You want to protect what you have
The unglamorous half of the appointment, and the half that decides whether a family keeps the house. Reviewed alongside the mortgage, never sold on its own.
If the worst happens
Life & critical illness cover
A lump sum that clears the mortgage, or pays out on diagnosis of a serious illness. An hour spent getting it right is worth a great deal later.
- How much cover your household actually needs
- What each insurer counts as a critical illness
- Whether to write the policy in trust
Life & critical illness →
If you cannot work
Income protection
If you could not work tomorrow, how long would your household hold up? This answers that with a monthly payment rather than a hope.
- Worth considering if sick pay is the statutory minimum
- Especially if you are the only earner, or have dependants
- Cost depends on your job, your age and the waiting period
Income protection →
Schemes and specialisms
Three things we are asked for by name, either because a scheme has its own rules or because a profession has its own pay structure.
New build
Own New
The house builder's incentive goes into your mortgage rather than a kitchen upgrade — as a lower rate for the initial period, or a smaller deposit.
- Rate Reducer, for lower payments up front
- Deposit Drop, for buying with 5%
- An ordinary mortgage — you own 100%
How Own New works →
Armed forces
Forces Help to Buy
An interest-free MoD loan of up to £25,000 towards a deposit and buying costs — and the lenders who treat it correctly when you apply.
- Up to 50% of salary, capped at £25,000
- Repaid from salary over ten years
- Signatories of the Armed Forces Covenant
Forces Help to Buy →
Blue light
Police mortgages
Proud supporters of the Police Federation of England and Wales, in the buildings as well as on the website — we run roadshows and clinics at federations through the year.
- Overtime and shift allowances counted properly
- Probationers and new recruits
- Appointments booked around your shifts
How we support the police →
The same on all of them.
Whichever page you came in through, this part does not change.
- No broker fee, at any stage. The lender pays us on completion. If your case does not complete, you have still paid us nothing.
- A panel of 110+ lenders, from the high street to specialists you cannot approach directly.
- We are not tied to any lender, so the recommendation is not steered by whose products we are allowed to sell.
- One named adviser from the first call to completion, with their direct line — not a call centre and a reference number.
- We will tell you to wait if applying now would produce a decline. A declined application leaves a mark on your credit file.
- Protection is reviewed alongside the mortgage, not sold separately afterwards.
Not sure which of these you need?
Most people are not, and it does not matter — describe the situation and we will tell you which one it is. Advice is free and there is no obligation at any point.