Common Mortgage questions.

Common Mortgage questions.

Why use us?

Why use us?

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

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 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 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.

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.

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.

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

How do I get a £1+ million mortgage? 

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. 

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?

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. 

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?

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.

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?

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.

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?

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.

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.

The Mortgage Process

The Mortgage Process

Working with HB Partners

Working with HB Partners

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A FREE Friendly Chat

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?".

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.

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

Our Expert Recommendation

Our Expert Recommendation

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Discover the right Mortgage for you

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. 

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 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!

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

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

Meet our Advisers

Meet our Advisers

Mark Culham 

Adviser & Co-Founder

Mark Culham 

Adviser & Co-Founder

Steve Jascourt

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."

"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.”

“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.”

I NEED TO REMORTGAGE 

I NEED TO REMORTGAGE 

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.)

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.)

I AM LOOKING FOR A £1 MILLION + MORTGAGE  

I AM LOOKING FOR A £1 MILLION + MORTGAGE  

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

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

I WANT TO HELP MY CHILDREN PURCHASE A PROPERTY 

I WANT TO HELP MY CHILDREN PURCHASE A PROPERTY 

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

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

CAN I USE MY BONUS/COMMISSION/OVERTIME AS ADDITIONAL INCOME FOR MY MORTGAGE

CAN I USE MY BONUS/COMMISSION/OVERTIME AS ADDITIONAL INCOME FOR MY MORTGAGE

Yes, you can, although each lender treats these additional forms of income differently. 

Yes, you can, although each lender treats these additional forms of income differently. 

Frequently Asked Questions

Frequently Asked Questions

We're always ready to help. Ask us anything

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.

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

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

Simply enter your details below for us to help you.

By submitting information through this website, you have given your agreement to receive verbal contact from us to discuss your mortgage requirements. You voluntarily choose to provide personal details to us via this website. 

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.

Simply enter your details below for us to help you.

By submitting information through this website, you have given your agreement to receive verbal contact from us to discuss your mortgage requirements. You voluntarily choose to provide personal details to us via this website. 

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.

By submitting this data, I am consenting to the use of my data in line with our  Privacy Policy

By submitting this data, I am consenting to the use of my data in line with our  Privacy Policy

What is 3 + 5 =

What is 3 + 5 =

What our clients say

What our clients say

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

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

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