Residential mortgage advice
Residential mortgage advice for your first home — or your next one.
From establishing a realistic budget to choosing a mortgage and progressing the application, bring the numbers, property and next steps into one clear conversation.
Residential mortgage advice
A mortgage should fit your life, not just the property.
Whether you’re buying your first home, moving house or remortgaging, your income, deposit, commitments and future plans all help shape which mortgage options may be suitable. I’ll explain the costs, flexibility and lender criteria clearly so you can decide what feels right.
Book your free initial consultation
30-minute call with no obligation to proceed.
Understand how your deposit and chosen property shape your options.
Look beyond the rate at fees, certainty and future plans.
Start with the numbers
Explore what a monthly repayment could look like.
Enter a mortgage amount, illustrative interest rate and term to create a general capital-and-interest repayment illustration.
- Change the mortgage amount or interest rate
- Compare the effect of a shorter or longer term
- Use the result as a starting point for advice
This illustration excludes fees, rate changes and lender-specific calculations. It is not an affordability assessment or personalised advice.
Explore all calculators
Estimated monthly repayment
£0
Capital-and-interest repayment illustration
- Illustrative total repaid
- £0
- Illustrative interest paid
- £0
Affordability & criteria
What is likely to shape the lender’s view?
Borrowing is not based on salary alone. Lenders apply their own affordability models and criteria to the complete application.
Discuss your positionIncome and evidence
How you are paid, the income used and the documents available to support it.
Commitments and credit
Loans, credit cards, dependants, regular spending and credit history.
Deposit or equity
The amount, source of funds and resulting loan-to-value position.
Property and term
The security, mortgage length, expected retirement position and future plans.
Common questions
Useful answers before we speak.
Your exact borrowing position depends on your circumstances and lender criteria, but these are helpful places to begin.
How much might I be able to borrow?
Lenders consider income, regular commitments, dependants, credit history, deposit, mortgage term and other circumstances. A simple calculator can provide context, but it is not a lender affordability decision.
Do I need an Agreement in Principle?
It can give you an indication of potential borrowing and may help when speaking with estate agents or making an offer. It is not a mortgage offer, and lender checks and requirements vary.
How much deposit will I need?
The required deposit depends on the lender, product, property and your circumstances. A larger deposit can reduce the loan-to-value, but the complete application still needs to meet affordability and criteria.
Can I get a mortgage if I am self-employed?
Potentially, yes. Lenders assess self-employed income in different ways and may request accounts, tax calculations, tax-year overviews or other business information.
What if I am selling and buying at the same time?
The review can bring together your expected sale proceeds, existing mortgage, any early repayment charge, onward purchase and whether porting the current deal should be considered.
What will the mortgage advice cost?
We charge a fee for mortgage advice. Our standard fee is £495, although the fee may range from £0 to £650 depending on the application. The exact amount will be confirmed before you proceed.
Ready when you are
Bring your plans. Put the mortgage route into focus.
Share the target price, deposit, income and stage you are at, and begin with a clearer view of what may be realistic.
Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it. All lending is subject to eligibility, affordability and lender criteria.