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Common Mortgage questions.

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Why use us?

We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.

We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism. 

We are qualified to advise you on your equity release requirements.

We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.

Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.

We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.

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How do I get a £1+ million mortgage? 

We have the expertise to arrange £1m+ mortgages which, by their nature, are complex and require specialist underwriting. 

Is it possible to get a Self Employed Mortgage?

Yes. We understand the difficulties borrowers experience when trying to secure competitive deals for self-employed mortgages. 

Can I have more than one Buy To Let mortgages?

Yes. We can help landlords who are looking to grow a portfolio of properties, remortgage a buy to let or purchase a new property.

What are the criteria for a Limited Company Mortgage?

A lender would require information on the income of the company, rather than an individual, making the process a little more complicated.

How can I help my children buy a property?

We understand how difficult it is for the younger generation to buy a property. We work with several lenders who have innovative ways of helping your children make their first property purchase.


Buy To Let



The Mortgage Process

Working with HB Partners



A FREE Friendly Chat

Our mortgage experts will work with you to understand your situation, then take you through the options available to you. Such as "How much can I borrow?".

Now that we know your circumstances, we will look for the most appropriate mortgage product to meet your needs.

Our Expert Recommendation



Discover the right Mortgage for you

Our mortgage experts will take you through the options, and only once you are happy, we will proceed to get you an agreement in principle from the lender. 

You are now free to make an offer on your property. We will then submit your mortgage application, take care of the stressful paperwork and keep you updated until your mortgage completes.

You are now ready to go!

The choice in the mortgage market can be confusing with so many products to choose from. Your adviser will take the confusion out of mortgages and present the options clearly and simply, allowing you to make sense of the products available, such as

Award Winning Mortgage Broker

Mortgage, Equity Release and Insurance

Call us on 01923 964160

If you would like to discuss a Mortgage, Equity Release or an Insurance policy, call us on 01923 964160

Meet our Advisers

Mark Culham 

Adviser & Co-Founder

Steve Jascourt

Adviser & Co-Founder

"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."

“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”

01923 964160


Your adviser will do their utmost to find a mortgage package that meets your requirements (i.e. your time constraints, budget, attitude to risk, lifestyle etc.)


Over the years, we have built up extensive contacts in the private banking sector who can facilitate this level of lending.


We can help you to help your children onto the property ladder and advise you on the most cost-effective and tax-efficient methods.


Equity Release is a good idea if you are looking to unlock tax-free cash tied up in your home. This can be achieved without the need to make monthly repayments. 

Frequently Asked Questions

We're always ready to help. Ask us anything

If you have a specific question, click the button below, and we will do our best to answer this for you.

Please feel free to contact us, should you have a Mortgage query

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Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018.  You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

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What our clients say

"We strive to offer our clients the best possible service, so that they become clients for life.

Your feedback is valued, and by listening to you, our relationship becomes stronger"  

Please click here to see the full list of reviews

Your home may be repossessed if you do not keep up repayments on your mortgage

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