A mortgage that fits the life you actually live.
Salaried, self-employed, contractor, bonus-heavy, expat, retired — we speak fluent lender. We’ll match you with the product and provider most likely to say yes on the terms you want.
Mortgage types we advise on
Fixed-rate mortgages
2, 3, 5 and 10-year fixes across the whole market. Payment certainty without the salesroom pressure.
Tracker & discount
For borrowers who want to ride rate movements — or need short-term flexibility before a life change.
Offset mortgages
Put savings to work against your loan balance while keeping instant access.
Complex income
Contractor day-rate, ltd-company profits, bonus, RSUs, foreign income — packaged the way lenders need to see it.
Large loans
Above £1m residential lending, including private-bank and specialist high-net-worth routes.
Adverse credit
Historic defaults, CCJs or debt-management plans. We know which lenders look past the credit file.
Whole-of-market
See the lenders we work with
Search our panel of 90+ UK mortgage lenders, from high-street banks to specialist providers.
How much can you really borrow?
Affordability is not just about income multiples. Lenders stress-test your outgoings, debt commitments, childcare, tax structure, and the product you choose. We package that picture the way underwriters want to see it.
Income
Salary, bonuses, dividends, contractor day-rate, pension and rental income — we use every acceptable source.
Outgoings
Loans, credit cards, car finance, childcare, school fees and living costs all affect the figure.
Deposit
More equity means better rates and wider lender choice. We help you find the right LTV threshold.
Stress test
Lenders apply higher notional rates to check you can afford payments if rates rise.
Borrow better for a greener home.
A growing number of lenders reward energy-efficient properties and green improvements with lower rates, cashback or enhanced loan terms. We help you find the products that match both your financial and environmental goals.
EPC ratings
Better rates often available for properties with an EPC of A, B or C, or where projected improvements will reach that level.
Green improvements
Funding for insulation, heat pumps, solar, double glazing or electric-vehicle charging alongside your mortgage.
Cashback & rewards
Some lenders offer completion cashback, discounted rates or free home-energy reports.
Whole-market view
We compare green products against conventional deals to make sure the rate really stacks up.
Free download
How risk affects borrowing - Borrowers perspective
An 11-chapter guide to the trade-offs behind every rate, term, LTV, repayment and protection decision — plus how our advisers help avoid foreseeable harm.
Free download
How risk affects lending - Lenders perspective
An 11-chapter guide to how lenders think about, measure and price risk — credit, LTV, funding, regulation, market conditions and more.
Target market
This service is designed for UK-resident consumers aged 18+ seeking regulated first-charge residential mortgage advice on a property they will live in. It is suitable for employed, self-employed, contractor, retired and complex-income applicants. It is not intended for commercial lending, second-charge bridging as a standalone product, or applicants who cannot evidence lawful UK residency.
What if your mortgage was solved, not sold?
Book a no-obligation fact-finding call with a qualified adviser. We’ll search the whole market and come back with a fully costed recommendation.