A residential mortgage is a type of secured loan used to purchase a house which will be used as your primary residence. We can arrange a mortgage to buy your dream home. We have a pool of over 170 lenders which include specialist lenders who can consider applicants with a bad credit history, CCJ , IVA and bankruptcy . We also work with specialist lenders who can give mortgages to British Citizens living abroad and to those living in the United Kingdom with no permanent residence, depending on which kind of visa you have and your income. You can contact us to find out if you are eligible.

Lenders have different types of mortgage products e.g Fixed rate, Tracker, and Standard variable rate etc. Once you contact us, we will discuss  your current financial situation and any upcoming expected changes and advise you with a mortgage product that suits your financial situation. A brief illustration of the main types of mortgages is given below 

Fixed Rate:  With a fixed rate mortgage product you can fix the interest rate for a chosen period of time e.g. 2 years , 5 years etc . Your monthly mortgage payment will remain the same for that period regardless of any changes in the Bank of England base rate. At the end of the fixed term, the interest rate will revert to lender’s standard variable/tracker rate.

Tracker Rate: A Tracker Rate tracks the Bank of England base rate i.e. it increases or decreases in line with Bank of England base rate. So if you choose the tracker rate there is no guarantee that your mortgage payments will not increase (it can also decrease if base rate decreases).

Standard Variable Rate: Lender’s Standard Variable rate is not linked with Bank of England base rate. Lenders look at the rate periodically and can change at  any time during the term – its purely at the lender’s discretion and there is no guarantee that your interest rate will not change, even if the Bank of England’s base rate remains the same. 

If you want to arrange a residential mortgage/remortgage or a Buy To Let mortgage/remortgage, we can provide you with professional unbiased advice. If you already have a mortgage and it has increased or is going to increase in the near future as you are coming out of the initial fixed rate period, you can contact us and we can look at different options to reduce your mortgage payments.

We do not charge an initial advice fee. We only charge an application fee when you are happy with the product and want to go ahead with the application, and charge a success fee/broker fee when your mortgage is approved. We can also liaise with your solicitor to facilitate your buying process.