We are fully independent brokers, with whole of market access, allowing our advisers to select products from a comprehensive and established panel of lenders, including those not available through high street banks or providers. 

This helps us ensure our clients always receive tailored solutions at highly competitive mortgage rates. 

Our advisers will remove the hassle and headache of applying for a mortgage and are always by your side from your initial enquiry, all the way through to the completion of your mortgage. 

As well as standard purchases, our services include all residential mortgages including: 

  • First time buyer 
  • Re-mortgage 
  • Freehold & leasehold 
  • Shared ownership 
  • Poor credit history 


How to get a mortgage 

There isn’t a 'one size fits all' mortgage, so we work with you to find the best solution to suit your circumstances.  

Starting with a free phone or video consultation, you will have a dedicated adviser who will meet you to understand your situation. They will determine what your requirements are, how much you can borrow and then search the market for a solution to fit your needs. 

A further meeting will then be arranged to discuss our findings and if you decide to go ahead, your adviser will make the mortgage application on your behalf and manage all communications with the lenders for you, including chasing your mortgage through to completion. 


Mortgages for the self-employed and directors  

Our advisers are extremely experienced in working with self-employed individuals and company directors and can help you overcome the hurdles often assoicated with getting a mortgage due to your employment situation. 

If you are self-employed or a company director, our advisers will require the following information to arrange a mortgage: 

  • 2 years accounts or tax returns 
  • SA302 
  • Minimum deposit of 5% but generally 10% 
  • Additional documents if lender has a specific requirement 


Bridging Finance 

Have you found the perfect new home but haven't got a buyer for your existing property yet? If you don’t want to miss out on your dream home, a bridging loan can help you to buy the new property before selling your old one. 

Bridging loans are a way to borrow money in the short term to ‘bridge’ the gap between the old and new property, to ensure you don’t lose a house that you have your heart set on.   

Unlike mortgages, bridging loans can be arranged quickly if speed is important. They can also be used for:  

  • Buying a property at auction  
  • Buying a house under market value where a quick completion is needed 
  • Buying a property that is deemed unsuitable for mortgage purposes with mainstream lenders (e.g. it has no kitchen or bathroom) in order to renovate it  
  • Releasing equity from a property, for example to pay a tax bill or divorce settlement 

Types of bridging loans  

Closed bridging loans: provide a fixed repayment date. These will typically be used if you have exchanged contracts with a buyer but you’re waiting for the sale to complete.  

Open bridging loans: there is no fixed date when you’ll need to repay the loan. These could be used if you want to buy a house but haven’t yet found a buyer for your existing property. Or you’re an investor and you are renovating a property to sell on, in order to pay off the loan. While there is no fixed repayment date, you’ll usually need to pay it off within one year. 

Interest rates  

Fixed and variable interest rate bridging loans are available. 


Bridging loans can offer an excellent short-term solution to raising capital. However you should be aware they’re often more expensive than a traditional mortgage and you will often need to pay additional fees such as administrative charges. Therefore, it’s highly advisable to seek professional advice before taking one out to consider if there are any better alternative solutions. 


Mortgage payment calculator

Do you need to work out how much your mortgage will cost you before securing a mortgage or re-mortgage. Use our mortgage calculator to understand what the approximate monthly payment on a repayment mortgage or to understand:

  • The impact of interest rate increases on your monthly payments.
  • how the mortgage term, interest rate and deposit amount impact your monthly payments?

Visit our mortgage payment calculator.


Find out more 

You’ve probably got many questions you need answering.  

Our team of expert and friendly advisers offer a free, no obligation consultation and are available to discuss your initial enquiry by calling 0800 978 8000, completing our enquiry form or email [email protected] 



*Please note your home may be repossessed if you do not keep up repayments on your mortgage.