INDEPENDENT MORTGAGE ADVICE

MORTGAGE
SERVICES

NOTE: We will use your name, email address and contact number (‘personal information’) to contact you about the services you have requested or respond to an enquiry you have submitted which will require us to share your personal information with our advisers and our group of companies. For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please see our privacy policy.

BRINGING ADVICE TO LIFE

WHY CHOOSE US TO HELP WITH YOUR MORTGAGE?

FAMILIES | ENTREPRENEURS | WOMEN

TAILORED MORTGAGE ADVICE THAT IS RIGHT FOR YOU...

As an independent financial adviser, I understand that purchasing a home is one of the most significant investments a family can make. That's why it's essential to have a knowledgeable and trustworthy mortgage adviser by your side. As someone who has been in the industry for years, I offer expert advice and guidance for clients looking to secure a mortgage or remortgage in the UK.
With my services, I can help find the best deals from a wide range of lenders, ensuring that you get the most suitable option for your unique situation. Providing professional and personalised services to help clients throughout the entire mortgage process, including application submission, underwriting review, and approval you will have end to end support when it comes to financing your next home.

“I had the pleasure of working with Rebecca as my financial advisor. Rebecca is extremely knowledgeable and experienced when it comes to all aspects of personal finance, including investments, retirement planning, and tax strategies. She took the time to truly understand my financial goals and tailored her advice and recommendations to my specific needs.”  Nicole Newbury, UK, 2023

ARE YOU READY TO DISCUSS YOUR MORTGAGE NEEDS?

Book a free 20 minute discovery call where we can explore how we can help you and your unique situation. Our Client Manager Katie will be able to answer all your questions about our approach and establish if there is a good fit for working together.

HOW WE WORK

OUR APPROACH WITH MORTGAGE ADVICE

AFFORDABILITY ASSESSMENT

We can help you with a holistic review of your financial situation to assess affordability and the suitability of different mortgage options.

PRODUCT MATCH

We have access to the whole of market, meaning that we can find the right product match for your unique circumstances.

ONGOING SUPPORT

Providing you with ongoing support as your life evolves to help you with the stages of your journey, every step of the way.

WORRIED THAT IT WILL BE HARD TO GET A MORTGAGE?

THIS IS WHERE OUR SPECIALIST ADVICE CAN BENEFIT YOU...

Many people come to us with stable full-time jobs and/or a high household income, so getting a mortgage can be a relatively straightforward process.

But if you are a contractor, self-employed, on maternity leave, or receiving maintenance from a divorce, it can feel a little more complex to secure the right deal. Whatever your circumstances or your history, we’d love to help.

The benefit of a mortgage broker (like us) is that we can research all lenders’ criteria to find the right provider and mortgage for your exact needs.

We can look at fixed, tracker, discount or offset products, to find the best long or short-term mortgage for you, and we will explain all the options clearly so that you understand what’s available to you.

Please note: Mortgage deals may not be available, and lending is subject to individual circumstances and status.

CLEAR | CONSCISE | CONSISTENT

OUR COMMITMENT TO YOU:

  • You will always have a female adviser
  • You will always be spoken to professionally and honestly
  • All your information is protected by the relevant GDPR policies.
  • You will not be charged any fees until you have approved them
  • We promise to act fairly and professionally at all times
  • We provide independent advice, acting on our client’s behalf

“After seeing Rebecca’s work with a close friend, I was very impressed and subsequently sought her advice myself. I have an intermediate knowledge of finance and was pleased that Rebecca took that into account. She didn’t make things too simple, nor too complex. Not only could I tell she really knew her stuff, she was friendly and really approachable with any questions. Would not hesitate to use her again if I needed to” Cathey Meredith, Essex 2018

BOOK YOUR DISCOVERY CALL

Book a call and gain valuable insight that can support you to make the most informed decisions about your financial future.

Frequently Asked Questions
regarding Mortgages

If there is a question we don’t answer, please get in touch!

There are many different types of mortgages available in the UK, each with its own set of features and benefits. Some of the most common types of mortgages include:

  • Repayment mortgages: These are the most common type of mortgage. With a repayment mortgage, you pay back the interest and capital on your loan over a fixed term.
  • Tracker mortgages: Tracker mortgages track the Bank of England base rate, so your interest rate will go up or down when the base rate changes.
  • Fixed-rate mortgages: Fixed-rate mortgages offer you a fixed interest rate for a set period of time, typically two, five, or ten years.
  • Discount mortgages: Discount mortgages offer a lower interest rate than standard repayment mortgages, but they typically come with higher fees.
  • Shared ownership mortgages: Shared ownership mortgages allow you to buy a share of a property, with the housing association owning the remaining share. This can be a good option if you can’t afford to buy a property outright.
  • Buy-to-let mortgages: Buy-to-let mortgages are designed for investors who want to buy property to rent out. These mortgages typically have higher interest rates than residential mortgages.

Sure, I can answer these questions for you from the perspective of an independent financial advisor (UK based).

1. What are the different types of mortgages available in the UK?

There are many different types of mortgages available in the UK, each with its own set of features and benefits. Some of the most common types of mortgages include:

  • Repayment mortgages: These are the most common type of mortgage. With a repayment mortgage, you pay back the interest and capital on your loan over a fixed term.
  • Tracker mortgages: Tracker mortgages track the Bank of England base rate, so your interest rate will go up or down when the base rate changes.
  • Fixed-rate mortgages: Fixed-rate mortgages offer you a fixed interest rate for a set period of time, typically two, five, or ten years.
  • Discount mortgages: Discount mortgages offer a lower interest rate than standard repayment mortgages, but they typically come with higher fees.
  • Shared ownership mortgages: Shared ownership mortgages allow you to buy a share of a property, with the housing association owning the remaining share. This can be a good option if you can’t afford to buy a property outright.
  • Buy-to-let mortgages: Buy-to-let mortgages are designed for investors who want to buy property to rent out. These mortgages typically have higher interest rates than residential mortgages.

2. What are the requirements to get a mortgage in the UK?

The requirements to get a mortgage in the UK will vary depending on the lender, but some of the most common requirements include:

  • A good credit score
  • A deposit of at least 5% of the property value
  • A regular income
  • A stable employment history
  • Affordability – you must be able to afford the monthly mortgage payments

The deposit required for a mortgage in the UK will vary depending on the lender, but the minimum deposit is typically 5% of the property value. However, some lenders may offer mortgages with a lower deposit, such as 10% or 15%.

Mortgage interest rates can vary significantly depending on the lender, the type of mortgage, and your individual circumstances. However, as a general rule, fixed-rate mortgages tend to have higher interest rates than tracker mortgages.

The typical mortgage term in the UK is 25 years. However, you can also choose shorter or longer terms, depending on your circumstances.

There are a number of potential fees associated with getting a mortgage in the UK which will vary from lender to lender, including:

  • Application fee
  • Valuation fee
  • Lender’s mortgage indemnity insurance (LMI)
  • Stamp duty land tax (SDLT)
  • Brokerage fees (if you use a mortgage broker)

The tax implications of getting a mortgage in the UK will depend on your individual circumstances. However, you may be able to claim tax relief on the interest you pay on your mortgage.

Here are some of the things to keep in mind when applying for a mortgage in the UK:

  • Get pre-approved for a mortgage before you start looking at properties. This will give you an idea of how much you can borrow and what your monthly payments will be.
  • Shop around for the best mortgage deal. There are many different lenders offering mortgages, so it’s important to compare interest rates and fees before you choose a lender.
  • Be prepared to provide documentation to support your application. This may include proof of income, employment, and savings.
  • Be realistic about your budget. Don’t borrow more than you can afford to repay.

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY.  Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on it. The Financial Conduct Authority does not regulate most forms of buy to let mortgages. You may have to pay an early repayment charge to your existing lender if you remortgage.