Common Mortgage questions.

Common Mortgage questions.

Please contact us with your Mortgage query

Please contact us with your 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

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. Please call to discuss this. 

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?

How does a second mortgage work?

A second mortgage, or a 2nd 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.

A second mortgage, or a 2nd 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?

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.

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?

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.

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?

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.

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

The Mortgage Process

Working with HB Partners

Working with HB Partners

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An informal introductory conversation 

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?".

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.

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 apply for an agreement in principle from the lender. 

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.

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

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

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 =

What is 3 + 5 =

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.”

HOW DOES A MORTGAGE WORK?

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.

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.

Find Out More

Find Out More

WHAT TYPE OF MORTGAGE IS BEST?

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.

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.

Find Out More

Find Out More

IS IT BETTER TO BE DEBT-FREE OR HAVE A MORTGAGE?

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.

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.

Find Out More

Find Out More

WHAT IS THE DIFFERENCE BETWEEN A LOAN AND A MORTGAGE??

WHAT IS THE DIFFERENCE BETWEEN A LOAN AND A MORTGAGE??

A loan is typically unsecured, whereas a mortgage is secured against your property.

A loan is typically unsecured, whereas a mortgage is secured against your property.

Find Out More

Find Out More

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.

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

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.

What our clients say

What our clients say

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.”

What our clients say

What our clients say

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