Here to help you buy your dream home


Buying a property can be the biggest decision made in our lives. It is for this very reason that impartial advice is critical from competent and qualified advisers. When moving home finding the right mortgage and arranging it quickly is essential. Our expert advisers can help you get the best deal that’s right for you.

First Time Buyer

Buying your first home can be a very exciting albeit daunting experience which is why it is important to get the right advice from the very start. There are many different mortgage products to choose from so it is important to get the solution that best meets your needs.

To us, it’s about more than just finding you a mortgage. It’s about your home buying journey, the memories, the eventual outcome and your life in your new home. We aim to simplify the process, limiting use of jargon (complex words you might not understand!) when we can, and keeping you informed at all times.


Your existing mortgage deal may be coming to an end and you’re about to move onto the lenders standard variable rate which could result in an increase in your monthly mortgage payments.

Remortgaging before your term ends could potentially save you money by switching to another deal or another lender. There are plenty of reasons why you might want to consider a remortgage, perhaps you want to cover the cost of home improvements or pay off more expensive debts.

Buy to Let 

Whether you’re becoming a landlord for the first time or you’re looking to expand an existing portfolio you will need to take out a buy to let mortgage rather than a standard residential mortgage. A buy to let mortgage is specifically for people who are buying a property to rent out to a tenant or tenants.

How do buy to let mortgages differ from residential mortgages? :

  • Interest rates are usually higher on buy to let mortgages compared to residential
  • Whereas for residential mortgages your deposit could be as little as 5% of the property value, you will have to pay at least 25% for a buy to let mortgage.
  • Unlike a standard mortgage, where the amount you can borrow is linked to your income, with a buy to let mortgage, the lender will instead look at how much rent you could make from the property on which the mortgage is secured

There are number of different types of mortgages out there; the right one for you depends on your personal circumstances.

Fixed-rate mortgages are the most common type of loan taken out by homebuyers and by homeowners remortgaging.
With a fixed-rate mortgage, you’ll pay the same interest rate for a set number of years, meaning your monthly repayments will remain consistent regardless of what happens to the Bank of England base rate.
Borrowers most commonly take out two-year or five-year fixed-rate mortgages, although three, seven, 10, and even 15-year fixed terms are available.
At the end of your fixed period, you’ll need to remortgage. If you don’t, you’ll be moved to your lender’s standard variable rate (SVR), which is usually much more expensive

Standard variable rate – fluctuates in line with market condition. Your mortgage payment could change each month, going up and down depending on the rate.

Discounted rate mortgage is a type of variable rate mortgage where the lender offers you a discount on its standard variable rate for a fixed period, typically a couple of years. So if your lender’s SVR is 5% and your deal charges the SVR minus 2%, you’ll pay a rate of 3%.
If the lender puts up its SVR (for example, if the base rate goes up), your payments will go up accordingly. But if the SVR goes down, you’ll pay less.
Discount mortgages usually come with introductory deal periods of two years.

Tracker mortgages are variable rate mortgages that follow (or track) usually the Bank of England base rate- plus a set percentage. For example, the base rate is currently 3%. So if your tracker is ‘base rate plus 2%’, you’ll pay a rate of 5%.
If the base rate goes up, so too will your monthly repayments. If it goes down, you should pay less each month – but this isn’t always the case.