Residential Mortgage Advice
Moving home or buying a new property? We'll find the right mortgage and handle the whole process for you.
Book a free callOverview
Whether you're moving up the ladder, downsizing, or buying a new property altogether, getting the right mortgage matters. The deal that worked for your last home might not be the best one for this one, and the lender you used before might not be the right one this time around.
We work with homebuyers across North London and Hertfordshire to find mortgages that genuinely suit their situation. That means looking at the whole market, comparing lenders properly, and recommending the deal that works best for you, not the one that's easiest for us.
We'll talk through what you can borrow, what your monthly payments will look like, and how different deal types could affect you. We'll also handle the application, the paperwork, and the lender from start to finish.
Most of our clients tell us the same thing afterwards: it was much easier than they expected. That's how it should be.
How we help
We search the whole market.
Over 90 lenders, including ones you can only access through a broker. We'll find you the right deal, not just an easy one.
We give you clear answers, fast.
Most clients leave their first call with a clear sense of what they can borrow, what their payments will look like, and what their next steps are.
We match you with the right lender.
Some lenders are stricter on affordability. Others are more flexible with deposits. We know who suits which situation and we'll find the one that fits you.
We handle everything from start to finish.
Application, paperwork, valuation, lender communication, completion. You focus on the property and we'll deal with the rest.
Common questions
Most lenders will let you borrow between 4 and 5 times your annual salary, though this depends on your income, outgoings, deposit size, and credit history. We'll give you a clear figure based on your specific situation in a single call.
For a standard residential mortgage, most lenders require a minimum 5% deposit, though a larger deposit usually means a better interest rate and lower monthly payments.
From application to mortgage offer, it typically takes 2 to 6 weeks. The full process through to completion usually takes 2 to 3 months, depending on the chain and how quickly solicitors move.
A fixed rate gives you certainty as your payments stay the same for an agreed period, usually 2 or 5 years. A tracker follows the Bank of England base rate and can go up or down. Fixed rates suit most people, but we'll talk through both options so you can make the right call for your circumstances.
Yes, in most cases. Different lenders take very different views on credit history. Some specialist lenders will consider applicants others would automatically reject. We'll find lenders who take a sensible look at your overall situation.
No, there's no broker fee for standard residential mortgages of £100,000 and above. For more complex cases such as adverse credit or shared ownership, a fee may apply. We'll always be upfront about any fees before you commit.
Often, yes. If your income has grown or your property has gained value since your last mortgage, you may be able to borrow significantly more than you did last time. We'll work out exactly what's possible based on your current situation.
Most people take out a new mortgage on their next property. In some cases, you can transfer your existing mortgage to the new property (called porting). We'll look at both options and recommend the right one for you.
Let's get your mortgage sorted.
Book a free call. No obligation, no jargon. Just honest advice.
Book a free call