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Finding the best mortgage advice service for you has never been so easy. Enter your details and we do the hard work for you!

Tailored Mortgage Advice For Your Needs!

We only work with the best UK Mortgage providers. Fill out the Mortgage Advice Form and we can match you to the best mortgage adviser for your needs. 

Why Independent Mortgage Advice?

As well as making the buying process easy, we save you time and money by selecting the right independent mortgage advisor to assist you through the whole journey! It is daunting for some, especially if it’s your first go. More importantly, we save you time as we have everything that you need all in one place, with the quality of service to match.

Whether you’re a first time buyer or an existing homeowner, we want to make sure you are getting the best mortgage advice in the UK!

Some of the Questions We’re Asked


Remortgaging is where you pay off an existing mortgage on a property by getting a new one to replace it. You would normally do this before your fixed term ends & before your payments go onto the variable rate – we are here to make sure you don’t lose out and receive the best rate possible!

Remortgaging a property can drastically improve a buyer’s financial circumstances if it’s done properly and gives you access to more money! It can be a better alternative to taking out a personal loan or if you need to consolidate any short-term debts.

Speak to one of our advisers & see how you our mortgage advice services can benefit you now!

Pensions in Divorce Planning Services
Financial Planning Advice

First Time Buyers

Getting on the property ladder to buy your first home is difficult, we make it easy! Have you been working long hours and saving every penny of your hard-earned cash? Our mortgage advice services can cater to your requirements.

Let us help you find the right adviser for you!

Buy to Let

Looking to make money with property?

We can make your life easier with our mortgage advice services, saving you time by having everything in one place.

Buy to Let Mortgages have almost become normality. At one time,  it was difficult for investors to get into the market due to the strict lending criteria (aimed mainly towards professional landlords) however through our vast network it has never been so easy!

Our expert providers have fully qualified mortgage advisers to assist you along the way. No matter the investment, we have several options available for you to find the perfect investment!

Investment Planning Advice
Pension Planning


Through our mortgage advice services, we can provide a bridging loan to give you the edge required before missing out! If you are a landlord, a property developer, or someone buying at auction this is important to you!

Bridging loans are short-term, secured loans to finance the “bridge” (the gap) between the purchase of a new property until your mortgage has been approved, the sale of the new property, or waiting on your money from your remortgage to come in. This loan may be able to assist you if:

Equity Release

There are many reasons why a homeowner might want to release some money from their property. An equity release mortgage is an option only available to those who are between the ages of 55 and 95 where you can get a lump sum without having to sell up and move house which can be difficult for the elderly.

You can spend the money without limitations and can be used for anything from debt consolidation, helping out a family member, or purchasing that dream holiday that you have been planning for years!

You don’t lose your home due to an equity release scheme. Our providers work within Equity Release Council guidelines that specifically state that we cannot recommend plans that do not allow you to stay in your house for the lifetime of the loan. It’s your right to be able to stay in your own home!


See how our Mortgage Advice Services can benefit you today, just enter your details!

Protection Planning

Frequently Asked Questions


Within such a competitive market, a lot of borrowers make the decision to change their mortgage by getting a new one every few years. This is more than likely switching after their fixed period has come to an end to take advantage of any new rates on offer before having to go on their lender’s standard variable rate as they may lose out on those low rates and any benefits being offered at the time, plus they could lose the chance to save money by reducing their monthly mortgage payments.

Remortgaging doesn’t cost a lot as most lenders compete against each other to win your business. You can be lucky; quite often you see some lenders offer some benefits such as a free mortgage valuation and/ or a free legal package to carry out the conveyancing which in turn saves you some money.

Other associated costs may include an early repayment charge to your current lender and any nominal fees that may be charged for closing down your current mortgage. Get in touch with one of our mortgage advisers so they can see whether a remortgage is suitable for you.

9 times out of 10, borrowers can save money through remortgaging. However, it may not be suitable for everyone as it really does depends on their current circumstances and this is why it’s best to speak to a qualified mortgage adviser to see whether it’s worth it or not.

There are of course a few main quibbles where you are more than likely not to be considered for a remortgage:

  • People with High Early Repayment Charges as It Would Cost More to Get out of Your Existing Mortgage than It Would to Get a New One!
  • If You Need a Very Small Loan
  • If You Have an Interest-Only Mortgage with a High Loan to Value
  • If Your Circumstances Have Changed Recently i.e. Employment Status
  • If You Have Had Any Payment Problems or Adverse Credit in the Past or the Present

First-Time Buyers

You can usually borrow around 4 to 5 times your salary. Some lenders offer up to 6 times your salary, however they will be very strict about whom they lend this amount to. Lenders have different rules and the amount they multiply your income by can depend on a number of things.

You have to save up for a deposit if you want to take out a mortgage. First-time buyer deposits can be around 5% – 15% of the property value but watch out as you may be required to put in a bit more.

The amount you’re able to put down as a deposit helps figure out how big of a mortgage you’ll need. The bigger your deposit, the less you need to borrow from the lender and the less you’ll have to pay in interest. Larger deposits usually gives you more options i.e. better mortgage rates because they result in a lower LTV, which gives the lender more security which is what they look for so they can consider charging a lower rate of interest.

Before even thinking about a mortgage application, it would be handy to be in good stead with your finances. Lenders want to see that you like to save your money and that you will be able to afford the monthly mortgage repayments.

It’s normally better to reduce any debt by paying off any existing loans and getting rid of any large credit card balances. Lenders are required to look at your credit rating to see if you have missed any payments or failed to pay off any debts.

With a fixed-rate mortgage, the interest rate that you pay on your mortgage is fixed. You choose how long it is fixed for between one year and 10 years. It’s common for people to choose a two, three, or five-year fixed terms, but again this really does depend on your individual circumstances.

During your chosen fixed period, your mortgage rate will not rise or fall at all and your monthly repayments will stay the same. However, with a variable rate mortgage, the rate can rise or fall which means what you pay for your mortgage each month can change.

Buy to Lets

A buy-to-let is where you buy a property with the intention of renting it out to tenants. You can make a decent living if you invest in a buy-to-let property, but you will need to weigh up how much rent is coming in and how much it costs to run the property and possibly keep a mortgage going in comparison to the rental income. We would also recommend getting a bit of advice on the tax side of things so you understand what you’re getting into!

Investing in a buy to let isn’t as simple as some may think. Like all investments, there are risks associated with buying a buy-to-let property such as increased taxes, a lot more regulation to deal with, and higher costs.

Being a landlord requires a lot of time, planning, and money. You don’t want to buy a luxury property that you can’t afford to manage or upkeep. You also don’t want to throw money at an investment that’s not going to have a good enough return. We would suggest building on your knowledge of the buy to let market and have a good think about how much you can comfortably contribute to your investment and what you are looking to achieve.


Most lenders will give a decision on your potential loan within one to two hours. This is known as an approval in principle (AIP) or a Decision in Principle (DIP). The final approval is normally subject to the application documents being correct and a valuation report on the property used to secure the loan.

If the bridging loan is for a property purchase, you can normally borrow up to 75% of the value of the property from the bridging lender. If the borrower has an additional property, this can be used as more security too. If there is an increase in security, a lender may be prepared to lend more than 75%.

Bridging is different from the normal mortgage. A bridging lender is not too concerned about your income or the state of your accounts if you are applying for a business bridging loan. As long as you can provide some evidence of how you will be able to afford and keep up with the interest payments and how you will repay the loan, payslips or accounts may not be necessary.

If you are unemployed but have assets that can repay the loan and interest, you could still be eligible for a loan. If you have a poor credit record, this will not necessarily prevent you from being accepted for a loan.

Most lenders will accept any property to act as security for the loan you take out as long as its value covers the loan amount. This gives the lender security in that if your loan isn’t paid back for whatever reason, they can still get their money back by going after your asset. It does not matter what condition the property is in as long as it has the required value. Commercial and residential properties are accepted too. Land can also be used and non-property assets will be considered, such as valuable art, jewellery, or business assets.

Equity Release

You can normally borrow up to a maximum of 60% of the value of your property. How much can be released is dependent on your age and the value of your property.

No, all cash taken out of the value of your house is tax free. It was already your money to begin with. You are just making use of your assets in a different way.

Depending on which option you have gone for, whether you have either sold a part of your home to a lender or taken out a loan secured on a percentage of your home, this could be a big worry.

However there is nothing to worry about. You will never lose your home due to equity release. There are guidelines from the Equity Release Council which we abide by. These specifically say that we can’t recommend plans that do not allow you to stay in your home for the lifetime of the loan and we would certainly not recommend otherwise even if we could as it just wouldn’t be in the best interest of our client. It’s your right to stay in your own home.

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