Whether you're a first-time buyer, moving home, or looking to remortgage - we'll connect you with expert advisers who can find the right deal.
Select your situation and we'll match you with the right adviser.
Taking your first step onto the property ladder. We'll guide you through the process.
Upgrading, downsizing, or relocating. Port your mortgage or find a better deal.
Switch to a better rate, release equity, or consolidate debts.
Mortgages for contractors, freelancers, and business owners.
CCJs, defaults, missed payments? We have specialist lender options.
UK property mortgages for overseas residents and foreign nationals.
Buying your council or housing association home? Right to Buy gives eligible tenants significant discounts - but you need a specialist mortgage.
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Your home may be repossessed if you do not keep up repayments on a mortgage.
Most lenders require a minimum 5-10% deposit, though 15-20% will unlock better rates. Some government schemes like Help to Buy (now closed to new applicants) allowed 5% deposits. The more deposit you have, the lower your interest rate will typically be.
Yes, but options are more limited and rates higher. Specialist lenders consider CCJs, defaults, missed payments and even discharged bankruptcy. The severity, amount and age of credit issues affect what's available. A specialist broker can help navigate this.
Typically 4-4.5x your annual income, though some lenders go to 5x or higher for higher earners or certain professions. Affordability also considers your outgoings, debts and commitments. Use a mortgage calculator for an estimate, but a broker can confirm actual borrowing power.
Fixed rates stay the same for a set period (2, 3, 5 or 10 years) giving payment certainty. Variable rates can change - trackers follow Bank of England base rate, while SVR is the lender's own rate. Fixed rates are currently more popular for budget predictability.
Typically 4-6 weeks from application to offer, though it can be faster or slower depending on complexity. Having documents ready (ID, payslips, bank statements, proof of deposit) speeds things up. Exchange to completion adds another 2-4 weeks typically.