We know which lenders might give you the green light
We work closely with the major providers to bring you the right deal. Get access to well-trusted mortgage providers without the hard work. Plus, we work with over 80 lenders to ensure you find the most suitable option for your needs.
Accord Mortgages
Pepper Money
Barclays
Principality Intermediaries
Bluestone Mortgages
Buckinghamshire Building Society
Buy-to-Let by Foundation
Kensington
Metro Bank
Newcastle for Intermediaries
The Nottingham Building Society
Mansfield Building Society
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
First time buyer mortgage
It goes without saying that qualifying for a mortgage is essential to many aspiring homeowners who are looking to secure a property. As simple as this may seem, however, getting approval for the first time buyer mortgage can prove to be tricky, especially when considering all of the factors that most lenders generally focus on.
However, boosting your chances of becoming qualified for the desired mortgage isn’t rocket science, and obtaining what you need can be determined by a few points of interest.
What our customer say
Discover what our customers have to say about their experiences with us. Hear from those we've assisted in making their property and financial dreams a reality, and see how our commitment and expertise have made a difference.
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Keep your credit score in check before applying
One of the first things that lenders will look into when applying for a mortgage is your credit score. It does serve as a good indication of whether or not an individual can properly fulfil any financial commitments or obligations after all, and keeping this area in check prior to pursuing a loan will save you both time and money in the event that the application is rejected since this could potentially affect any future application wherein credit is a factor.
Try to minimise any credit card debts
While this may not necessarily be mandatory to qualify for a mortgage, keeping your credit card debts low and minimising any monthly payments associated with it can go a long way in securing a loan. It will show your chosen lender that you are able to manage your money properly and in turn have a good chance of making good on the payments that the mortgage you need will undoubtedly require.
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Paul (Mortgage Wise) made everything so easy and they took care of all requirements and much more. I would recommend Mortgage Wise to everyone, prompt, thorough and away all the stress associated with the mortgage, protection and will writing.
Gary Christie
Best mortgage service
Invest some time into shopping for the best mortgage deals
Not unlike any other product or service, being able to secure a mortgage can often boil down to getting the most suitable deal available. Not only will this give you a better chance of getting through the application process and becoming qualified for a loan, but acquiring better rates will also be advantageous in shouldering the financial obligation that it entails in the long run. Basically, you’ll have a much easier time making the required payments.
If it proves to be just a little too time-consuming, you could also acquire the services of whole of market mortgage advisers or specialists in the industry. They’ll undoubtedly have major provider contacts that you’ll need in order to make a better informed decision on which lender to go for.
FAQs
Here, we answer the most common questions about our financial services to help you make informed decisions. If you need more detailed information, our expert team is always available to assist.
Remortgaging involves switching your existing mortgage to a new lender or deal without moving home. It typically aims to get a better interest rate, reduce monthly payments, or release equity. The process involves applying for a new mortgage and using it to pay off your existing one.
The best time to remortgage is usually when your current mortgage deal is about to end, typically before the end of a fixed or discounted rate period to avoid reverting to the lender's higher standard variable rate (SVR). It’s also beneficial to remortgage if interest rates have dropped, your property value has significantly increased, or you need to borrow additional funds.
Remortgaging can involve various fees, such as early repayment charges (ERC) on your existing mortgage, valuation fees, legal fees, arrangement fees for the new mortgage, and any broker fees if you use a mortgage broker. It’s important to consider these costs when calculating the overall benefit of remortgaging.
The amount you can borrow depends on factors like your property's value, your income, existing debts, and the lender's criteria. Generally, lenders will offer up to a certain percentage of your property’s value, known as the loan-to-value ratio (LTV), and will assess your ability to repay based on affordability checks.
Benefits of remortgaging include lower interest rates, reduced monthly payments, releasing equity for other financial needs, and switching to a more suitable mortgage product. However, risks include incurring fees that outweigh the savings, extending the mortgage term which could increase the total amount paid, and the potential for higher interest rates if you don’t lock in a good deal.
Find your mortgage solution
We compare over 90 mortgage providers to get you the right remortgage.
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Have a financial plan to better allocate a budget for the mortgage
It’s never a bad thing to have a solid financial plan, especially when approaching a lender to secure a mortgage. Time spent on generating an outline of how the necessary repayments will be made can pay dividends in successfully securing a loan.
One top tip is to try to collect all of the outgoings as well as incomings for at least three months to get a better estimate as to how much can be allocated towards paying the mortgage back every month.
A good financial plan
As complex as the decision making process is in order to qualify for a mortgage, it isn’t particularly difficult to achieve. It can however require a significant investment of time into thoroughly reviewing all of the essentials, from credit scores to credit card debts and payments. Having a good financial plan can also go a long way in showing that you’ll be able to take care of mortgage repayments too.
Don’t ignore the professional services offered by mortgage advisers either. Many of us have a habit of shouldering all of the tasks on our own in lieu of saving money, but this mindset can also produce the opposite effect of the intended purpose. Since they know the landscape better, having their services at your disposal can be invaluable in securing a feasible mortgage that you’ll be able to make repayments on.
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Our guides
In our our Guides section, you’ll find valuable resources to help you with various financial and property-related decisions. Whether you’re buying your first home, managing bad credit, exploring buy-to-let opportunities, or consolidating debt, we have the information you need. Our guides also cover topics like home improvements, interest-only mortgages, and remortgaging, providing you with the knowledge to make informed and confident choices.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Some buy to let mortgages are not regulated by the Financial Conduct Authority.
