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Mortgage Advice that saves you Time and Money

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Why Us

Experienced Advisers
Less Pain

There are 1000's of different Mortgage Advisers in the UK, so why choose to work with us. In our opinion, its our Experience that sets us apart. Our advisers have dealt with £millions worth of mortgages over 15+ Years. That's 1000's of applications with everything from the simple to the complex. We have learned a thing or two along the way, this allows us to create solutions that others sometimes miss. 

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Why Us

Experienced Advisers
Less Pain

There are 1000's of different Mortgage Advisers in the UK, so why choose to work with us. In our opinion, its our Experience that sets us apart. Our advisers have dealt with £millions worth of mortgages over 15+ Years. That's 1000's of applications with everything from the simple to the complex. We have learned a thing or two along the way, this allows us to create solutions that others sometimes miss. 

 request a callback

Customer Success Stories
In Their Own Words

Our mission is to be

The Best Mortgage Adviser
Not the Biggest

  • Our Mission

  • Our Vision

To use our Experience, Knowledge and connections within the Mortgage industry to create opportunities and solutions for our clients that they may not get elsewhere. Providing enough information in plain English so our clients could get Mortgages themselves but with a first class service so they don't want so.

Greg Williams - Founder

Greg Williams

15+

Year's Experience

£5m+

Mortgages Approved

1000+

Happy Clients

What we Offer

Our Core Services

  • Purchase new home

  • Lower your interest rate

  • property investors

  • release EQUITY

Purchase New Home

Whether your buying your first home, your next home or second home, the questions are the same, how much can you borrow, have I got the best interest rate, what deposit do I need? We can

  • Search over 90+ Lenders to find a deal that suits your circumstances
  • Professional Clear Advice Every Step of the way
  • All Circumstances Considered
  • Could save you time and money

Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Trusted company

What is a Mortgage Broker

A Mortgage Broker finds you the right deal for your circumstances. This includes choosing the right lender. They then guide you through the mortgage application, assisting you with the any questions the lender may have. They can help:

  • First Time Buyers
  • Remortgages
  • Secured Loans
  • Auction Purchases
  • Buy to Lets
  • Portfolio Landlords
  • Bridging Loans
  • First Time Landlords

Can I get a Mortgage with a Default or CCJ?

There are lenders who will consider mortgages if you have CCJ's. Missed Payments, Defaults, IVA's and Bankruptcies. The most important thing is the adviser can see all of your credit files with the 4 different credit agencies. You can obtain this here - Check your Credit File (You will depart from the regulated site of The Money Geeks Ltd who are not responsible for the accuracy or the content within the non-regulated site. We may receive a small fee for referring you to this service)

How much can I borrow? 

Each lender has their own way of working out how much they are willing to lend. This can vary significantly from one lender to another and can depend on your circumstances. Some lenders will lend more than 6x your salary but it is important you seek advice so this can be tailored to your circumstances.

My Mortgage is due for renewal, what do I do? 

Once any fixed or variable rate period ends your mortgage will usually change to the lenders Standard Variable Rate. This is usually higher than the rate you would have had previously. This means your monthly payments will increase. You may be able to move your mortgage onto a better rate, so you will have a more affordable monthly payment.

When is the Best Time to Remortgage? 

Your existing Mortgage Lender will write to you, this is usually between 3 - 6 months before your rate is due to end. This is a great time to provide a copy of this letter to an adviser, they can research the market to make sure they are offering you the best rate. If you need to switch lender, you should look to submit an application no later than 3 months prior to your existing deal ending. This will allow enough time for the lender to assess your application, carry out a valuation (if required) and complete the legal work.

How can I release Equity? 

There are various reasons your may need to get access to the cash tied up in your home, these can include Home Improvements, Debt Consolidation or any other legal purpose. There are various ways you can release equity, these include Remortgaging and Secured Loans. Speak to an adviser to find out the right option for you.

Can I get a Mortgage if I am Self Employed? 

The short answer - Yes. Like any other mortgage application it depends on your overall circumstances but we can help those who are Sole Traders, Limited Company Directors. Contractors or any other self employed setup.

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