Home owner mortgages

We understand how important home is, and we’re here to help home buyers find the right mortgage to suit their individual needs.

We know a one-size fits-all approach doesn’t work, so we don’t take one. 

Whether it’s a small deposit, limited equity, being self-employed or having experienced money problems, we look at each mortgage application on its own merits. And if there’s a way to make it happen, we’ll find it.

If you’re looking for a new mortgage, please contact your broker. They’ll be able to discuss your personal circumstances to help find the right mortgage for you. 

 

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First time buyers

We know how difficult it can be for first time buyers to get onto the property ladder.  That’s why we have a range of mortgages to choose from, including low deposit options.

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Self-employed

We believe the self-employed shouldn’t be penalised just because their finances are more complex or variable. That’s why we’ll look at the big picture and take into account individual circumstances. 

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Borrowers with credit problems

Life gets in the way of the best laid plans and we believe a previous financial problem shouldn’t necessarily stop a home buyer from getting a mortgage. Bereavement, redundancy, relationship breakdown and illness are just some of the reasons any of us can fall into financial difficulty. That’s why we’ll consider those with less than perfect credit, including those in debt management plans. 

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Remortgagers

For homeowners looking to secure a better deal or to release funds to be put towards other large expenses such as home renovations. We offer a range of remortgage products, looking at individual circumstances when assessing what you could borrow. 

We offer mortgages through brokers

If you’re looking for a new mortgage, please contact your broker. They’ll be able to discuss your personal circumstances to help you find the right mortgage. You can find a mortgage broker by searching online or by asking friends or family for personal recommendations.

Don’t forget to check they're registered with the FCA. You can do this by visiting register.fca.org.uk

Why use a mortgage broker? Read our article on 10 great reasons.

Subject to status. Credit will be secured on your home. Your home may be repossessed if you do not keep up repayments.