Mortgage Services

Taking the stress out of mortgages

We’ve been helping home-movers, first-time buyers and landlords in securing mortgages for over 30 years. Our dedicated team of consultants take the time to listen to your individual needs and circumstances in order to source the very best mortgage product for you.

Talk to your local mortgage consultant

Our experience in the market means we have strong relationships with our panel of trusted lenders, and at times access to exclusive products that you would not be able to obtain by going direct to the lender.

Book a mortgage appointment

What our Mortgage Consultants do for you

We search thousands of mortgage deals, allowing us to recommend the right mortgage for you based on your needs and circumstances

We will take care of all your mortgage and protection needs, whether you buy a property through us or not.

We aim to save you money on the property you choose to buy by negotiating directory with the vendor.*

We have a great relationship with trusted lenders, giving us access at times to exclusive deals.

Applies when the property is for sale with another estate agent and we do not act for the vendor.

Use our instant Mortgage Calculator below to see what mortgages you could be eligible for:

FIND A MORTGAGE

This is not a formal quotation or commitment to lend.
All figures are for illustrative purposes only and are based on a repayment mortgage only basis.
Figures provided will be dependent on your financial situation, property value and the size of your deposit or equity.
Please complete our Contact Us form to obtain further detail on the products listed above.

Initial Rate

The period of an introductory or discount interest rate on a mortgage. The initial rate period varies by loan type and can be as short as one month or as long as several years.

Type Of Mortgage

Fixed: A fixed mortgage is where the interest rate is fixed and will not change for a specific period, usually between 2 and 5 years. During this period the interest rate is usually discounted from the lenders standard rate. This is known as the discount period.

Tracker: The rate of a tracker mortgage is linked to a fixed economic indicator – usually the Bank of England base rate. This doesn"t mean it"s the same as the base rate, just that the rate moves in line with it. This means the rate can go up, or down. The tracker rate can be discounted and under this circumstance the discount will apply for a specific period, usually between 2 and 5 years.

Standard Variable Rate (SVR): This is the lenders standard rate. This will always be higher than the discount rates for some Fixed and Tracker products as the rate is usually linked to the Bank of England"s base rate movements and is typically 2 to 5 percentage points above this base rate. The SVR is the rate that most borrowers end up on after the end of an incentive period such as a two-year fix or two-year discounted rate.

Initial Rate Period

The period of time in months to which the discount rate would apply. SVR products and some Fixed and Trackers do not have a discount period and as such the initial rate period would be 0.

Maximum LTV

The maximum Loan to Value (LTV) is the maximum a lender will lend you against the value of your property. This is calculated by dividing the loan amount by the house value. For example, if the maximum LTV is 80% and the property value is £100,000 then the maximum loan permitted would be £80,000.

Initial Monthly Cost

The initial monthly payment, this may be the discounted rate and will only apply for the initial rate period.

Product Fees

Whether the lender charges a fee to arrange the mortgage.

Overall Cost For Comparison

This is the Annual Percentage Rate of Charge (APRC). A lender is always required to quote the APRC when advertising a loan or borrowing rate. It is a standard interest rate calculation designed to reflect the total amount of interest that will be paid over the entire period of the loan.

We use a panel of selected lenders

We have access to thousands of mortgage deals from our panel of lenders. We have established links with these lenders, giving us access at time to exclusive deals.

Meet our Mortgage Consultants

Kirsten Macconnachie

Mortgage Services Consultant

Jessica Keegan

Executive Mortgage Consultant

Philip Greaves

Executive Mortgage Consultant

Kirsty Thain

Mortgage Services Consultant

Find your local Consultant

Lifetime Membership

Never pay another broker fee to us again for mortgage advice with our Lifetime Membership.* No matter how many times you move or re-mortgage your existing home, we pledge that as a lifetime member, you will never have to pay another broker fee to us again for mortgage advice.

Discount on our Conveyancing Services**

Access to an Advice & Recommendation Service

Discount on our Estate Agency Fees***

Recommend a friend and receive £100****

To enjoy all the benefits that being a Lifetime Member brings, call any of our branches to book a mortgage and protection appointment with a Mortgage Consultant – you can be confident that we are here to help you with all of your mortgage and protection needs, whenever you want, regardless of whether you buy a house through us or not.

A BROKER FEE MAY BE PAYABLE UPON MORTGAGE APPLICATION AS WELL AS AN ADMINISTRATION FEE. THE TOTAL FEE PAYABLE WILL DEPEND ON YOUR CIRCUMSTANCES. YOUR MORTGAGE CONSULTANT WILL EXPLAIN ANY FEES APPLICABLE IN YOUR INITIAL APPOINTMENT.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU RE-MORTGAGE.

MORTGAGES ARE SUBJECT TO STATUS AND LENDER CRITERIA.

MOST BUY-TO-LET MORTGAGES ARE NOT REGULATED.

*An administration fee may be payable
**Discount on our conveyancing service when you start to look for a new home
***Should you decide to sell with us, you’ll get a discount on our estate agency fees too
****Every time you recommend a friend who successfully completes a mortgage with us we will pay you £100 in the month following the legal completion of the new mortgage; provided they have advised the Customer Service Team or Mortgage Consultant at the outset.