Every mortgage is different, and so is every person taking one out. Whatever stage you are at, we will help you understand your options and find lending that fits your situation and your budget.
We search a wide range of lenders on your behalf, handle the application from start to finish, and keep things in plain English the whole way through. Your initial consultation is free and with no obligation.
Below are the main types of mortgage we arrange. Not sure which fits? Just get in touch and we will work it out together.
First-Time Buyer Mortgages
Your first home is exciting, and a little daunting. We will explain deposits, how much you can borrow, and what lenders look for, so you can buy with confidence. First-time buyer mortgages in Preston.
Home Mover Mortgages
Moving home means juggling a sale, a purchase, and everything in between. We will sort the mortgage side, including porting your current deal if that works out cheaper. Home mover mortgages.
Remortgages
If your current deal is ending, doing nothing usually means moving onto a higher standard variable rate. A remortgage can lower your payments, release equity, or give you more certainty. We will tell you honestly whether it is worth it. Remortgage advice in Preston.
Buy-to-Let Mortgages
Buying a rental property works differently from a residential mortgage. Whether it is your first or your fifth, we will help you find lending that stacks up against the rent. Buy-to-let mortgages.
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
New Build Mortgages
New build purchases come with tight deadlines and their own quirks. We work with lenders who understand new builds and can move at the right pace. New build mortgages.
What working with us looks like
- A free, no-obligation chat about your plans.
- We search the market and compare deals for your situation.
- We explain your options clearly and recommend the best fit.
- We handle the application and paperwork through to your offer.
- We stay in touch for your next move or renewal.
Do not forget to protect it
A mortgage is likely the biggest commitment you will make. It is worth making sure it, and your family, are covered if life throws a curveball. We can arrange protection alongside your mortgage so it is all handled in one place. See protection options.
Common mortgage questions
How much can I borrow?
It depends on your income, outgoings, deposit and credit history. Most lenders work to a multiple of your income, but it varies. We can give you a realistic figure quickly once we have had a chat.
How much deposit do I need?
For most residential mortgages you will need at least 5 to 10 percent of the property value, though a larger deposit usually unlocks better rates. First-time buyer options can help if your deposit is on the smaller side.
What will it cost me?
Your initial consultation is free and with no obligation, and we agree everything up front, so there are no surprises.
When should I start looking?
Earlier than you think. For a purchase, getting your borrowing confirmed before you view homes puts you in a stronger position. For a remortgage, around six months before your current deal ends is ideal.
Do you only work with people in Preston?
No. We are based in Goosnargh and know the Preston area well, but we help clients across Lancashire and, by phone or video, anywhere in the UK.
Let us find the right mortgage
Book a free chat and we will talk through your options with no pressure and no jargon.
Your home may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Worried about keeping up with payments?
If you are worried about keeping up with your mortgage payments, speak to us early, we are here to help. Free, impartial guidance is also available from StepChange, Citizens Advice and MoneyHelper.