A mortgage is a loan used to buy property. As mortgage brokers, we sit between the person with a borrowing need and the lender. We look at your goals, your business and financial situation and match you to a lender that can provide you with a particular product at the best rate.

A mortgage broker works with multiple lenders to find the best deal for you, saving you time and potentially money. Banks offer their own products only, which may limit your options.

Generally, you’ll need a deposit of at least 5-20% of the property’s value. A larger deposit can give you access to better mortgage rates.

Your mortgage rate depends on various factors, including your credit score, loan-to-value ratio, and the type of mortgage you choose. Market conditions also play a role.

The main mistake that we see, is not seeking professional advice to establish your financial situation. As a First Time Buyer, you want to understand how much you can afford on a monthly basis. 

• Proof of ID (drivers license)

• Proof of address (utility bill)

• 3 months bank statements or payslips

The process is very similar to getting your first mortgage.

1.        Find a mortgage broker

2.        Ask your lender for a closing balance

3.        Decide which type of mortgage you want (we can help you find one)

4.        Instruct a solicitor if you’re moving to a new lender

5.        Affordability checks (make sure your documents are ready)

6.        Valuation of your house

7.        Apply for mortgage

8.        Receive the offer

9.        New mortgage is registered at the Land Registry

·   Experience with investment properties — pick a broker who can who has placed loans like yours before. Brokers experienced in investor underwriting find products and structure loans more efficiently.

·   Lender panel & product access — confirm which lenders and specialised investor programs the broker actually has access to (some brokers only work with a few lenders). A wider panel of lenders increases your chances of better pricing or programs that fit your deal.

·   Fees, commissions and transparency — ask how the broker is paid, whether there are lender-paid marks or broker fees, and get all costs in writing (origination, rate-lock, third-party). Compare total cost, not just headline rate.

·   Speed, process & tech — investment purchases often move fast. Make sure you check the broker’s typical turnaround times, how they handle pre-approvals, and whether they provide clear status updates and digital document handling. Faster, organised brokers reduce deal risk.

·   Underwriting advice & suitability — the broker should explain trade-offs e.g., interest-only vs amortising (repayment loans), loan to value (LTV) limits for investment loans, reserve requirements; and recommend loans that match your investment plan and situation.