Common Mortgage questions.
Please contact us with your Mortgage query
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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. Please call to discuss this.
How does a second mortgage work?
A second mortgage, or a 2 nd charge mortgage, is a loan that is in addition to your main mortgage. It will be from a different lender to your main mortgage provider.
How much income do I need for a mortgage?
Lenders typically will look at how much you can afford to borrow based on several factors. These include your income, your family situation and your monthly expenditure. Each case is assessed on its own merits.
Can I get a mortgage if I’m self-employed?
If you are self-employed and have 2 years accounts or 2 years tax calculations, our advisers will be able to source a suitable mortgage for you. Please call us to discuss further.
How much deposit do I need?
Typically, the more deposit that you can provide, the easier it is to obtain a mortgage. It is possible, in certain circumstances, to secure a mortgage with as little as 5% deposit.
The Mortgage Process
Working with HB Partners
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An informal introductory conversation
Your mortgage adviser will ask exploratory questions to gain an understanding of your situation. Following this, you will be shown 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
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Discover the right Mortgage for you
Our mortgage experts will take you through the options, and only once you are happy, we will apply for an agreement in principle from the lender.
Once the agreement in principle is obtained, we will submit the full mortgage application on your behalf. We manage all stages of the process and keep you updated, right up to the mortgage completion.
Full application
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
What is 3 + 5 =
Meet our Advisers
HOW DOES A MORTGAGE WORK?
A mortgage is a loan to help you buy a property. The Bank or Building Society will lend you money which will be secured against the property. The lender will require you to put some of your own money into the purchase, by way of a deposit.
WHAT TYPE OF MORTGAGE IS BEST?
Our advisers will identify the best mortgage for your individual circumstances. This might be a fixed rate, a discounted rate or a base rate tracker.
IS IT BETTER TO BE DEBT-FREE OR HAVE A MORTGAGE?
When interest rates are low, it may be preferable to take out a mortgage, even if finances are sufficient to purchase without the need to borrow. This is because investment returns could be higher than mortgage interest rates. Always seek professional advice from an Independent Financial Adviser.
WHAT IS THE DIFFERENCE BETWEEN A LOAN AND A MORTGAGE??
A loan is typically unsecured, whereas a mortgage is secured against your property.
Frequently Asked Questions
If you have a specific question, click the button below, and we will do our best to answer this for you.
Your home may be repossessed if you do not keep up repayments on your mortgage
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.
What our clients say
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.”
