What mortgage services do you offer?

We advise on first-time buyer mortgages, home mover mortgages, remortgages and product transfers, buy to let, self-employed and complex income cases, adverse credit and specialist lending. Advice is given by qualified advisers with access to a comprehensive panel of 80+ UK lenders through Primis Mortgage Network.

Is there a fee for mortgage advice?

Your initial mortgage consultation is free with no obligation. If you decide to proceed with an application, a broker fee may apply depending on the complexity of your case — typically £199–£299, capped at 1% of the loan amount or £650 (whichever is lower). The exact amount is explained and agreed in writing before any chargeable work begins. Lenders may also pay us a procuration fee on completion.

How quickly can I speak to an adviser?

Appointments are available by phone, video or WhatsApp Monday to Friday 09:00–18:00, Saturday 10:00–14:00. In many cases we can give you an initial indication of how much you may be able to borrow during that first conversation.

Do you offer whole-of-market advice?

No. We are an Appointed Representative of Primis Mortgage Network and advise on mortgages from a comprehensive panel of 80+ lenders, rather than the entire market. Some lenders deal directly with borrowers only.

Can you help if I have been declined elsewhere?

Often, yes. Lender criteria differ widely on credit history, income type, deposit source and property type. We look at where your circumstances actually fit before an application is submitted, which helps avoid further declines.

Mortgages

Whichever stage you're at — first home, moving, remortgaging or something more complex — your initial mortgage advice is free, and we'll tell you honestly where you stand.

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Access to a comprehensive panel of 80+ UK lenders via Primis Mortgage Network. Rated 4.6 on Trustpilot from 181 reviews.

Find the right type of mortgage

Pick the situation closest to yours. Each section links through to detailed guidance written by our advisers.

Buying your first home

Deposits, agreements in principle, affordability and the application process explained step by step.

First-time buyer mortgages

Remortgaging & switching

Coming to the end of a deal, releasing equity or moving lender — we compare what's available across our panel.

Remortgage advice

Moving home & second properties

Porting your existing deal, buying up the ladder, or adding a second home to your plans.

Moving home mortgages

Buy to let & landlords

Rental stress testing, limited company structures and portfolio lending across specialist lenders.

Buy-to-let mortgages

Self-employed & complex income

One year's accounts, retained profits, contracting, agency and zero-hours income — assessed lender by lender.

Specialist mortgages

Adverse credit

CCJs, defaults, IVAs, bankruptcy and late payments. Some lenders take a far more pragmatic view than others.

Adverse credit mortgages

Mortgages by profession

Lenders that understand shift allowances, bank work, pensions and public-sector pay structures.

Professions hub

Rates, LTV & the numbers

Understand how loan-to-value drives pricing, and run the figures before you speak to anyone.

Mortgage calculators

How our mortgage advice works

A free initial conversation

We talk through your income, deposit, credit history and timescales. Appointments by phone, video or WhatsApp, Monday to Friday 09:00–18:00, Saturday 10:00–14:00.