Our mortgage advisers will help you understand what is available, highlight the key features of each product and recommend the most suitable mortgage for your individual circumstances. Mortgages are often one of the biggest financial decisions in life. We aim to make the experience as straightforward and stress-free as possible.

Affordability and repayment

Affordability is assessed based on your household income. Bonuses or overtime may be considered if they are proven to be sustainable.

Interest rates can be fixed or variable.  Most fixed rates carry early repayment charges. There are also discounted and tracker rates available.

Loan terms and lending criteria

The amount you can borrow is a percentage of the property’s value, with some lenders offering up to 100% mortgages.

Mortgages are most often on a capital repayment basis, with the mortgage being fully repaid before the borrower reaches retirement age.

Interest-only mortgages are also available where appropriate.  Lenders will want to understand how you intend to repay an interest only mortgage.

We have access to lenders who support various deposit schemes, including Lifetime ISAs (LISA), Help to Buy, Shared Ownership, and Right to Buy.

Pricing and fees

Pricing varies depending on the loan to value (LTV), amount and the credit quality of the borrower.

Survey and legal fees are payable, although some lenders offer free valuations, fixed-fee legal services or cashback incentives.

We will always provide a clear breakdown of the costs upfront.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments